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Check out the best 10 Credit Cards with Easy Approval you can try out in 2021

Check out the best 10 Credit Cards with Easy Approval you can try out in 2021 2

10 Credit Cards with Easy Approval in 2021

What is a Credit Card? 

A small piece of plastic card with a microchip that allows you to buy items, pay for bills, travel and do other things on credit with the contractual agreement to pay later. In other words, it is a short term loan. 

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It is usually given by banks or other approved financial institutions, howbeit with terms and conditions.

Credit cards issuers compel cardholders to pay back the borrowed money, which most often than not has an interest rate as well as any ther charges reached by consensus which will be paid back either by instalments or in full over a given period.

Credit Cards with Easy Approval Explained 

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Credit cards with easy approval mean when a person applies for a credit card, he or she gets an instant response or decision from the issuer most times within a few minutes. 

Credit Cards with Easy Approval

However, Credit Cards with easy approval is determined by some factors. For instance, a person with a good credit score is likely to not only get a quick response but get his credit card approved easily. 

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The issuer of the Credit Card most times check the financial records or history of the applicant to check if he is eligible for the credit card or not. 

Also, issuers  request information like; 

  1. Personal Information: Applicants need to provide details like name, address, social security number among other personal information. 
  1. Employment and Salary

Credit Cards companies also want to know if the applicant is gainfully employed and has a steady salary flow in his account. 

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  1. Credit Score

This also determines whether your credit card will be approved or declined. People with a good credit score are likely to get their credit card approved on time. 

  1. It is also important to look at the legitimacy of the issuers in order not to get scammed, read their terms and conditions, penalty fees and other conditions set out by the credit card company. 

In no particular other, we shall take a look at 10 Credit Cards with Easy Approval in the subsequent paragraphs. 

  1. Reflex Mastercard

This credit card rated 3.9/5.0 and you don’t need to have an excellent credit score to apply for this card. You can apply for this credit card even if your credit score is fair, bad or no credit.

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 Also, it comes with a monthly reporting to the three major credit bureau. The application process is fast and easy. Once your card is approved, you will be able to use it anywhere Mastercard is accepted. 

 

  1. Total Visa Card

One of the numerous credit cards with easy approval and amazing features. It is acceptable by most merchants when shopping online and it is generally accepted by most online stores in the US. 

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The credit limit is benchmarked at $300 depending on one’s available credit. It has a fast application process as well and response is usually within a twinkling of an eye.

It also has a decent monthly payment plan. Once your card is approved, you will need to pay $89 to open your account and access your available credit.

  1. Secured Mastercard from Capital One

Without a doubt, there are tons of Credit Cards with easy approval but they differ in terms of features they offer to customers. 

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This Mastercard has no annual fee, it reports to the three major credit bureaus and it is accepted for payments worldwide. 

Read: Credit Cards with no Transaction Fees

However, you will need to make a required minimum security deposit which will earn you a $200 credit line. If you make further deposits before your account is approved, your credit line will also be increased. 

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In addition, you will also get a higher credit line with no further deposits within six months of opening your account. 

  1. Indigo Platinum Mastercard 

It is also one of the Credit Cards with easy approval. It is designed for people with a low or imperfect credit score as it allows them to build. You can apply for this card even if you don’t have a credit score at all. 

It also reports your transactions to the three major credit bureaus. 

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The credit limit is marked at $300 which means you will only be able to make small or medium purchases with the card. 

Based on your creditworthiness over time, you will be charged an annual fee of $0-$99. It has a 24.90 fixed APR. 

  1. Surge Mastercard 

This is one of the bast-rated Credit Cards with easy approval with a rating of 4.1/5.0. It is open to applicants of any credit type.

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The application process is swift and easy and you get to enjoy free online access all round the clock. When you request your e-statement, you will get free access to the 3.0 vantage score from  Transunion. 

The APR stands at about 26%-30% 

  1. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card has an overall rating of 4.8/5.0. It comes with a handful of juicy benefits such as no transaction fees and you stand a chance to earn unlimited 2X miles on every daily purchase made. 

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Also, if you spend up to $20,000 on purchases in the first 12 months of opening your account, you will earn 100,000 bonus miles or 50,000 if you spend $3,000 on purchases in the first three months. 

You can redeem your bonuses on travel, vacation, car rentals and so on.  It comes with a $95 and an APR of which varies between 17.24%-24.49. 

  1. Amex Everyday Credit Card 

This card offers 0% APR for the first 15 months of purchases but with 12.99% – 23.99% Variable APR afterwards. You will earn 10,000 membership rewards points after using making a purchase of $1000 in the first three months. 

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It has no annual fee and you will earn 2 points per dollar for every purchase made at US Supermarkets but the purchases should be up to $6000 spent on purchases per year. 

  1. Destiny Mastercard 

It has all the advantages of a Mastercard without a security deposit. By maintaining your account properly, you stand a chance of improving your credit history at a steady rate. 

You can apply for this card with even less than perfect credit and prior bankruptcy! 

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Prequalify for a card today and it will not impact your credit score

It also reports to all three major credit bureaus

 

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