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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: 4/24/2014
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Official Data and Rates Features More
Info
PayPal™ Prepaid MasterCard®
Credit Level:
No Credit Check

Annual Fee:
$4.95 monthly fee

Norm Rate:
N/A

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
Click for More Information about the PayPal™ Prepaid MasterCard® card
NetSpend® Visa® Prepaid Card
Credit Level:
No Credit Check

Annual Fee:
$9.95 monthly fee

Norm Rate:
N/A

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Get Paid up to 2 days faster with direct deposit — paychecks and government benefit checks
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone.
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
Click for More Information about the NetSpend® Visa® Prepaid Card card
READYdebit® Visa Prepaid Card
Credit Level:
No Credit Check

Annual Fee:
$9.95 monthly fee

Norm Rate:
N/A

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Instant Account Number - A Great Card for your Money.
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Overdraft Fees or Balance Minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Free Credit ScoreTracker1 with direct deposit
  • Choose Your Card Color - Blue or Pink
Click for More Information about the READYdebit® Visa Prepaid 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.

Other Cards in the Easy Approval Category

Data and Rates Features
Capital One® Secured MasterCard®
Capital One® Secured MasterCard® Image
Credit Level:
Bad Credit

Annual Fee:
$29

Norm Rate:
22.9% (V)

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Build credit with responsible use with no processing or application fees
  • Regular reporting to the 3 major credit bureaus
  • Monitor credit with access to a credit score and other tools
  • Your security deposit can get you a line up to $3,000
  • You may qualify for a credit line increase based on your payment history and creditworthiness
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
Capital One® Secured MasterCard®
Capital One® Secured MasterCard® Image
Credit Level:
Bad Credit

Annual Fee:
$29

Norm Rate:
22.9% (V)

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Build credit with responsible use with no processing or application fees
  • Regular reporting to the 3 major credit bureaus
  • Monitor credit with access to a credit score and other tools
  • Your security deposit can get you a line up to $3,000
  • You may qualify for a credit line increase based on your payment history and creditworthiness
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
Prepaid Visa® Baby Phat RushCard
Prepaid Visa® Baby Phat RushCard Image
Credit Level:
No Credit Check

Annual Fee:
Variable Monthly Fees

Norm Rate:
N/A

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from your wireless provider apply.
  • Easy Online Bill Pay - pay bills, rent, or write personal checks.
  • Free 24/7 customer service.
  • Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC.
  • Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
KLS Prepaid Visa® RushCard
KLS Prepaid Visa® RushCard Image
Credit Level:
No Credit Check

Annual Fee:
Variable Monthly Fees

Norm Rate:
N/A

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Get your government benefits up to two days early with Direct Deposit. *Certain restrictions apply. See card site for details.
  • Stay connected - keep track of your money online and on your mobile.
  • Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC
  • No overdraft fees
  • Easy Online Bill Pay - pay bills, rent, or write personal checks.
  • Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
Pink ACE Elite™ Visa® Prepaid Card
Pink ACE Elite™ Visa® Prepaid Card Image
Credit Level:
No Credit Check

Annual Fee:
up to $9.95 monthly fee

Norm Rate:
N/A

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
  • Get paid up to 2 days faster with free direct deposit of paychecks and government benefits*
  • Free Anytime Alerts™ - Get your balance and transactions via text or email*
  • Secure: Card funds are backed by Visa® Zero Liability*
BuyRight Visa® Prepaid Card
BuyRight Visa® Prepaid Card Image
Credit Level:
No Credit Check

Annual Fee:
$7.95 monthly fee

Norm Rate:
N/A

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Get access to your money fast with free Direct Deposit
  • Rewards - Earn reward points for every signature (non-PIN based) transaction
  • Free online account management with real-time text alerts*
  • Online Bill Pay - pay bills, rent, or even an individual
  • No credit check, No bounced check fees, No overdraft fees - Ever!
  • Travel in style! Rent cars, reserve hotels, shop online safely
ACE Elite™ Visa® Prepaid Card
ACE Elite™ Visa® Prepaid Card Image
Credit Level:
No Credit Check

Annual Fee:
up to $9.95 monthly fee

Norm Rate:
N/A

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • Get paid up to 2 days faster with free direct deposit of paychecks and government benefits*
  • Free Anytime Alerts™ - Get your balance and transactions via text or email*
  • Free Direct Deposit - Get paid up to 2 days faster, don't stand in line or pay check cashing fees*
  • Secure: Card funds are backed by Visa® Zero Liability*
PayPower™ Visa® Prepaid Card
PayPower™ Visa® Prepaid Card Image
Credit Level:
No Credit Check

Annual Fee:
Up to $5.95 Monthly

Norm Rate:
N/A

Purchase Intro Rate:
N/A

Purchase Intro Period:
N/A

Transfer Intro Rate:
N/A

Transfer Intro Period:
N/A
  • $0 activation fee when you signup online!
  • Earn $20 with free direct deposit of your employer paychecks on to your PayPower card
  • Earn $30 when you direct deposit your government benefits checks on to your PayPower card
  • Refer a friend and earn $20 when they sign up
  • No Credit Check, Overdraft Fees, Minimum balances or existing bank account required
  • Use everywhere Visa debit cards are accepted, including online and at ATM's
  • Safe and secure alternative to cash and funds are protected by the Visa Zero Liability policy
  • Free online bill pay, customer service, and card to card transactions
First PREMIER® Bank MasterCard® Credit Card
First PREMIER® Bank MasterCard® Credit Card Image
Credit Level:
Fair/Bad Credit*

Annual Fee:
See website*

Norm Rate:
See website*

Purchase Intro Rate:
N/A*

Purchase Intro Period:
N/A*

Transfer Intro Rate:
N/A*

Transfer Intro Period:
N/A*
  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process!
  • Pay no interest on purchases by paying your balance in full each month
  • If approved, once your account is opened you will have access to millions of merchants worldwide (subject to available credit)
  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
First PREMIER® Bank Classic Credit Card
First PREMIER® Bank Classic Credit Card Image
Credit Level:
Fair/Bad*

Annual Fee:
See Website*

Norm Rate:
See Website*

Purchase Intro Rate:
N/A*

Purchase Intro Period:
N/A*

Transfer Intro Rate:
N/A*

Transfer Intro Period:
N/A*
  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
  • Optional Payment Protection Available
  • A credit card offer for those lacking perfect credit.
  • Rebuilding your credit history may be possible: make on time payments to all your creditors and keep your account balances low relative to the credit limit.
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.  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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