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Easy Approval
Credit Card

Easy Approval Icon

For anyone who has encountered a financial set-back, the Easy Approval cards present a way to get some credit and start enjoying the benefits of carrying a credit card. The cards presented here may have an annual fee and a higher interest rate than cards you can find elsewhere on this site but are much more flexible on approving those with less than perfect credit. The Orchard Bank cards are of particular interest in that most applications are approved because the bank will offer a card with varying rates and features based on your personal situation.

Updated: 5/22/2012
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Official Data and Rates Features More
Info
Orchard Bank Classic MasterCards
Credit Level:
Fair
Annual Fee:
$39.00 1 year, then $59.00*
Norm Rate:
14.99-24.99% (Variable)*
Intro Rate:
n/a*
Intro Period:
n/a*
An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns
Click for More Information about the Orchard Bank Classic MasterCards card
Applied Bank® Secured Visa® Gold Credit Card
Credit Level:
Poor
Annual Fee:
$50.00*
Norm Rate:
9.99% (Fixed)*
Intro Rate:
n/a*
Intro Period:
n/a*
Better Than Prepaid...Go with a Secured Card
Get a Credit Line That is Reported To The Major Credit Bureaus
Build Positive Credit by Making Monthly Payments On Time
Load One Time - Keep On Using...No Need For Any Additional Deposits
Activate Today with a $200 Minimum Deposit - Maximum $5,000
Click for More Information about the Applied Bank® Secured Visa® Gold Credit Card card
Orchard Bank Visa Cards
Credit Level:
Fair
Annual Fee:
$39.00 1 year, then $59.00*
Norm Rate:
14.99-24.99% (Variable)*
Intro Rate:
n/a*
Intro Period:
n/a*
Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
Knowledgeable customer service representatives to assist you with questions or concerns
Click for More Information about the Orchard Bank Visa Cards card
Platinum Zero® Secured Visa® Credit Card from Applied Bank®
Credit Level:
Poor
Annual Fee:
$119.40*
Norm Rate:
0.00% (Fixed)*
Intro Rate:
n/a*
Intro Period:
n/a*
Choose Your Credit Limit - Simply open an FDIC Insured Deposit Account in your name at Applied Bank
Your deposit will secure your new Visa Credit Card with a credit limit equal to the amount of your deposit - from $500 up to a maximum of $5,000
Zero - 0% Fixed APR on Purchases - No Intro Rates
Zero - 0% Rate Won't Change - Even If You're Late
Zero Application Fees
Zero Worries - Free Personal ID Theft Protection
Click for More Information about the Platinum Zero® Secured Visa® Credit Card from Applied Bank® card
Capital One® Cash Rewards for Newcomers
Credit Level:
Average
Annual Fee:
$0.00*
Norm Rate:
24.90% (Variable)*
Intro Rate:
n/a*
Intro Period:
n/a*
A card designed to help those new to the U.S. establish credit and earn cash back
Build credit with automatic reporting to the three major credit bureaus
Get 2% cash back on travel purchases
Earn 1% cash back on all other purchases
No foreign transaction fees
No annual fee
Click for More Information about the Capital One® Cash Rewards for Newcomers card
Credit One Bank® Visa Platinum Card
Credit Level:
Fair
Annual Fee:
$75.00 1 year, then $99.00*
Norm Rate:
23.90% (Fixed)*
Intro Rate:
n/a*
Intro Period:
n/a*
Pre-Qualify for a Visa credit card without affecting your credit score
Get a starting credit line up to $1,500
No enrollment fee
No over the credit limit fee
Choose your card design from our premium gallery
Click for More Information about the Credit One Bank® Visa Platinum Card card
VISA® Platinum from Credit One Bank
Credit Level:
Fair
Annual Fee:
$75.00 1 year, then $99.00*
Norm Rate:
23.90% (Variable)*
Intro Rate:
n/a*
Intro Period:
n/a*
Get Pre-Qualified in less than a minute
Includes online access to your monthly Credit Score
Platinum Status
Automatic credit line increase reviews
Pick your own payment due date
Monthly updates to all major credit bureaus
Travel Accident Insurance
Auto Rental Collision Damage Waiver
Click for More Information about the VISA® Platinum from Credit One Bank card
First Progress Platinum Secured MasterCard® Credit Card
Credit Level:
Any
Annual Fee:
$39.00*
Norm Rate:
14.99% (Variable)*
Intro Rate:
n/a*
Intro Period:
n/a*
Full-feature Platinum MasterCard secured credit card
No credit history or minimum credit score required for approval
Monthly reporting to all 3 major credit bureaus to establish more credit history
Quick & complete online application
Secured by your deposit of $300 - $2,000
24/7 access to your account online
Deposit held at FDIC-insured bank
You must be a resident of a US state; however, at present the program is not available in Arkansas, Iowa, New York, or Wisconsin.
Click for More Information about the First Progress Platinum Secured MasterCard® Credit Card card
All reasonable efforts are made to collect and provide accurate information about current Easy Approval credit card offers. Due to the dynamic nature of credit card issuers objectives and requirements, all information is presented without warranty. You may click in the "Apply Now" column to review the Easy Approval credit card offer, terms and conditions on the credit card issuer's web site.


Easy Approval
Insights:

Easy Approval type cards represent a truly excellent opportunity for anyone starting to encounter credit problems or those trying to recover from past credit troubles. If you are unsure of your current standing with the credit reporting agencies, and you do not have an up to date credit report, this may be a good time to acquire your credit score discover any negative marks against your record. You may request your report once a year for free by visiting annualcreditreport.com.

If you are looking for an easy approval card then you are among a very large number of people and this is good news.Β  Where there are markets with large numbers of potential customers, the banks are going to find ways to address those markets and turn a profit. The way the issuers are justifying these higher risk offers is by increasing the interest rate and adding annual or monthly fees. The way the potential cardholder can minimize these extra expenses is to use the card wisely and eliminate or minimize the outstanding balance every month.

There are two other features of note for easy approval cards. First all the issuers will report the status of your account to the credit reporting agencies at least once a month. Provided you conform to the terms of the card and make timely payments, this should help increase your credit score. Second, as your credit score starts to recover, these issuers will re-evaluate your account and potentially reduce your interest rate, increase your credit limit or adjust your monthly or annual fees.

Like most financial transactions, the banks want to make money from the consumer and the consumer wants to limit expense. By conforming to the terms and meeting the payment obligations, you can gain the most benefit with the least amount of cost.



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Easy Approval Related Articles
Credit Bureau Reporting, a bonus of Easy Approval cards.   by Derek Lenehan
Easy approval credit cards are for the many of us who have pretty bad credit. These cards have a significantly lower set of standards for an applicant to be accepted, and are available from several issuing companies.   Read More

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