Six credit cards that are easy to get

For those who have a bad credit history or no credit at all, getting a credit card is not an easy task.

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Edition Go Banking Rates made a selection of credit cards for people with a bad credit rating. With several cards from the options offered, you can even improve your credit score if you make payments in a timely manner.

• Shopping Cards: It’s easiest to get them with a bad credit history, because they usually do not require a high credit score. However, you can use this card only in a specific store.
• Debit card: you need to put money on the card and pay with it when you buy. You will not be able to use credit from a debit card.
• Insurance Card Credit Card: If you are not able to pay, you will lose your deposit. Unlike debit cards, this type of card provides payment history to credit bureaus, so you can recover and build your credit rating with this type of card.

Credit card name		Loan requirements	Annual payment	How to apply
	Citi ThankYou Preferred Card for College Students	No minimum credit score	$0	learn more
	Capital One Platinum Credit Card	Average credit rating	$0	learn more
	Capital One Secured Mastercard	Low credit rating allowed	$0	learn more
	First Progress Platinum Elite MasterCard Secured	No minimum credit score	$29	learn more
	OpenSky Secured Visa Credit Card	No minimum credit score	$35	learn more
	Capital One QuicksilverOne Cash Rewards	Average credit rating	$39	learn more

1. Citi ThankYou Preferred Card for college students

If you are a student without a credit history card Citi ThankYou Preferred may be a good choice. It is aimed at students, the requirement for it is lower than usual. You can create your credit rating with this card, for which you do not need to pay an annual fee and which provides bonus points for the purchase of goods and services.

2. Credit card Capital One Platinum

For owners of an average credit rating suitable Capital One Platinum Credit Cardwhich does not require an annual fee. In addition, you will get some benefits, such as extended warranty and accident protection during the trip.

3. Capital One Secured MasterCard

You will need a deposit to get Capital One Secured MasterCard, but a low credit rating is not a problem in this situation. This card has no annual fee, so you can focus on paying off your credit balance. Benefits include travel protection and 24-hour assistance. If you want to raise your credit score, this card is the best option.

4. First Progress Platinum Elite MasterCard Secured Card

You do not need a credit history or minimum credit rating to get this card, but you will pay an annual fee of $ 29. In addition, you will have to keep a deposit of $ 200. This card does not give you travel benefits or shopping bonuses, but you can easily use it online.

5. OpenSky Secured Visa Credit Card

You can open this map online in the 4 step. To open you will need a deposit, and you will also have to pay an annual fee of $ 35. Approval to use the card can be obtained without having a minimum credit rating.

6. Capital One QuicksilverOne Cash Reward Card

If you have an average credit rating, you can consider the bonus card. Capital One Quicksilver One Cash. The annual fee is $ 39, but you will have a ton of benefits: free credit monitoring, 1,5% cash back from each purchase. In addition, you can get access to higher credit limits if you pay your first 5 payments on time.

A credit card can make your life easier, but remember that you must be responsible for it, avoid debt burdens if you want to increase your credit rating and open other credit cards in the future.

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