Signing up for your first credit card is very exciting, but you should look for an easy credit card to get approved. So here are 5 credit cards with which I’d experienced relaxed requirements to get approved for.

  1. Discover It

Overview

Discover It is the perfect card for starting to build credit. It’s a fairly easy credit card to get approved. Discover is a very good credit reporter so your credit will always be up to date. Also important, my experience with customer service was always great.

Opening Bonus

  • $50 cash back bonus after first purchase
  • All cash back earned double by the first year anniversary (including the opening bonus!)

Card Details

  • No annual fee
  • 5% cash back at rotating categories, 1% on everything else
  • 0 % APR on balance transfers for 18 months and on purchases for the first 6 months after opening the account
  • Free FICO score
  • 100% USA based costumer service (so they understand English)
  • No foreign transaction fee
  • New! Receive free social security number alerts after you sign up

(You may also want to see Discover It: Your Best Choice for a First Credit Card)

  1. Capital One Journey

Overview 

Capital One Journey is an easy credit card to get approved for. But, Capital One will do a credit pull by all three credit bureaus (which is not a good thing.)

Opening bonus 

  • No bonus 

Card details 

  • No annual fee
  • 1% cash back on all purchases plus get another .25% if you pay on time
  • No foreign transaction fee

 

  1. Chase Freedom Or Freedom Unlimited 

Overview 

Chase Freedom and Freedom Unlimited are very easy credit cards to get approved for if you have a chase bank account. My experience with customer service was almost always great.

Opening bonus 

You get $150 cash back after you spend $500 in the first three months, plus $25 after you add your first additional user. 

Card details 

  • No annual fee
  • 0 % APR on purchases and balance transfers for the first 15 months after account opening
  • Freedom– 5% cash back at rotating categories, plus 1% for everything else
  • Freedom Unlimited -1.5% cash back for everything

 

  1. Blue Cash Everyday Card From American Express 

Overview 

Blue Cash Everyday Card From American Express is a fairly easy credit card to get approved for. Customer service is excellent (Amex is Amex!).

Opening bonus 

Now you get $150 statement credit after you spend $1,000 on purchases in the first three months of opening  the account. 

Card details 

  • No annual fee
  • 0 % APR on purchases and balance transfers for the first 15 months after account opening
  • 3% cash back at us groceries for the first $6,000 spent, then 1%
  • 2%cash back on purchases by USA gas stations and select department stores
  • 1% cash back everywhere else

 

  1. American Express Gold Delta Skymiles Card

Overview 

If you’re looking for a travel card, the American Express Gold Delta Skymiles Card is a very easy travel credit card to get approved for.

Opening bonus 

Now through 1/31/18 you get 50,000 points after you make $2,000 in new purchases in the first three months, and another 10,000 points after you spend an additional $1,000 in the first 6 months. Plus, you get a $50 statement credit after you spend $50 or more on Delta purchases in the first three months. 

Card details 

  • Annual fee: first year waived, then $95 each year
  • First bag checked free on Delta flights
  • 2 points on Delta purchases, 1 point everywhere else
  • Priority boarding on Delta flights
  • No foreign transaction fee

 

The Help Me Build Credit Blog Conclusion

 

If you’re looking to start with an overall good credit card then try the Discover It. If you’re looking for the easiest credit card to get approved for, then try the Capital One Journey. If you specifically want an Amex credit card then go with the Blue Cash Everyday Card From American Express. If you bank by chase and want to expand your relationship with them, then taking the Chase Freedom is a good option. If you will be traveling a lot, and you’re ready to pay an annual fee for a travel card, then try for the American Express Gold Delta Skymiles Card.

For more on this, see: Getting Approved For A First Credit Card

GOOD LUCK!

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned in this post. Please see our Advertisement Disclosure for more details.