Skip to content
Did you know your browser is out of date?
To get the best experience when using our website we recommend that you upgrade to the latest version of one of these browsers.

Easy to get credit cards

What are the easiest credit cards to get

Easy-to-get credit cards are perfect for people with lower credit scores. Finding a card with poor credit can be tough, but easy-to-get credit cards are available here.


By Mehdi Punjwani

Published: 14 June 2021

Sofa near a colourful rug

Every time you apply for a credit card, the lender you’re applying to will check your credit score, which is a measure of how reliable you have been with loans and debt in the past. The higher your score, the more likely to are to be approved for one of the top cards.

However, for people with less good credit histories, some credit cards can be out of reach. Luckily, you may still be approved for an easy-to-get credit card.

What is an easy-to-get credit card?

An easy-to-get credit card is, put simply, any credit card that doesn’t require a high credit score for approval. This means that you may not get access to cards with the best terms available on the market: you should expect higher rates of interest and a lower borrowing limit, but you should still have a useful line of credit.

If you’re not sure about your credit rating, MoneySuperMarket has a fast, free Eligibility Checker tool which won’t harm your score.

Easy-to-get credit cards with good credit

The fact is, the better your credit rating, the easier most credit cards are for you to get. There are plenty of different types of credit card on the market, and lots of these are designed for diligent borrowers with great credit scores. So if you have good credit, you might find the following cards easy to get:

  • Rewards credit cards: Rewards cards are best for people who shop often at a particular store or supermarket. If you use your card regularly and pay it off in full each month, you can earn a tidy sum in vouchers or in-store points
  • Cashback credit cards: Cashback credit cards usually give you a small percentage of every purchase you make back. These are only suitable for people who pay the balance off every month – you’ll wipe out your earnings with interest charges otherwise
  • Airline credit cards: Airline credit cards are similar to rewards cards, but they earn you aviation miles and other travel-specific rewards as you spend

Easy-to-get credit cards with bad credit

There are plenty of cards that are easy to get even without a tiptop credit score. In fact, there are plenty of cards designed specifically for people with low credit and who want to improve it. These cards often come with low spending limits and high APR – but they reward careful spenders by improving their credit scores two or three times a year.

  • Credit-builder credit cards: Credit-builder cards are often easy to get even if your credit score is pretty low. In fact, they’re designed to change that situation. The idea is that you prove to the credit agencies that manage your score that you can use credit responsibly. This means spending low amounts and paying them off in full each month
  • Student credit cards: Young people often reach the age of 18 without much in the way of a credit score at all – it’s not that lenders think you’re irresponsible, but simply that you haven’t had a chance to prove yourself. Student cards are a great way to teach yourself responsible borrowing

How can I improve my chances of being approved?

The best way to improve your chances of being approved for a credit card is to prove that you’re responsible with money – and a low risk to potential lenders.

The largest factor is your credit score, but there are plenty of other things you can do to improve your situation:

  • Join the electoral roll: Registering to vote helps confirm your identity to the credit agencies, and makes it much less likely that your identity is being used for fraud
  • Get a steady income: A decent monthly income is a major signifier that you’ll be able to pay back money you borrow
  • Pay off outstanding bills: Unpaid bills are a red flag to lenders – they show that you don’t manage your money very well. It’s important to keep on top of them
  • Meet your current debt obligations: If you’re already in debt, make sure you are meeting – or preferably exceeding – the minimum monthly repayments. If you’re not, you look like you don’t take your obligations seriously
  • Keep applications to a minimum: If you apply for several loans or credit cards at once, your credit rating is likely to take a hit – especially if you are rejected a few times in a row. It’s best only to apply for credit that you feel sure you’ll be approved for

What are the alternatives to a credit card?

Of course, there are alternative ways of borrowing money. Many providers offer loans for bad credit, while prepaid cards are a good way to borrow with a hard cap on what you can spend.

Meanwhile if you’re struggling with debt, charities such as National Debtline, StepChange and Citizens Advice offer free, impartial debt advice to anyone struggling with financial problems, helping them to get back on their feet.

Compare easy-to-get credit cards

Whichever type of credit card you want to apply for, you can compare deals on MoneySuperMarket. All you need to do is tell us a little about your finances, including details about your income and what you want to use your new card for.

We’ll give you a tailored list of credit cards which you can sort by interest rate, any fees and charges, and how likely it is that you’ll be accepted if you apply. This can help you keep your credit intact as you can minimise the chance of being rejected and therefore having to apply again in the near future.

Once you’ve found the card you want, just click through to the provider to finalise your application – and be sure to check there are no mistakes when you apply, or you’ll risk being refused just because of admin issues.

If your lender accepts your application, they’ll send you your card in the post along with your own credit limit and interest rate. Remember the advertised APR only has to be offered to 51% - the actual rate you’ll be given will depend on your own personal financial circumstances.

When you get your card, you’ll just need to activate it and it’ll be ready to use.


MoneySuperMarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

Ready to compare?