If you want easy-approval credit cards in 2026, especially with low or no credit history, there are several solid options worth considering. Getting your first card or rebuilding credit can feel overwhelming, but many issuers now offer products designed for people with limited credit files, fair credit scores, or those just starting out.
According to recent industry guides, secured and starter cards remain some of the most accessible, requiring minimal credit history, or in some cases, no credit check at all.
Below, US PIXIN break down five of the easiest U.S. credit cards to get approved for in 2026, helping you understand what makes each one accessible and how they work.
1. OpenSky® Plus Secured Visa® Credit Card
One of the most accessible credit cards you can apply for in the U.S. is the OpenSky® Plus Secured Visa® Credit Card. Unlike most cards, it does not check your credit score or credit report when you apply, which makes it ideal for people with limited credit history or past credit challenges.
To get approved, applicants are typically only required to provide a refundable security deposit (often starting around $300), a valid U.S. address, and income documentation showing you can afford the card’s monthly payments.
Because there’s no credit check, the approval process focuses more on income and identity verification than traditional score-based underwriting. Once you get the approval, the card reports to all three major credit bureaus, helping you build or rebuild your credit over time.
2. Discover it® Secured Credit Card
The Discover it® Secured Card is another excellent option for people with poor or no credit history. It functions like a typical secured card, where you place a security deposit that becomes your initial credit limit. This model gives issuers more confidence to extend credit even when your official score is low or nonexistent.
One of its biggest advantages is that it offers cashback rewards on purchases, a benefit that many secured cards don’t provide. In addition, and especially for first-time applicants, Discover often allows you to request a review for an upgrade to an unsecured card after demonstrating responsible payment behavior over a period of time.
3. Capital One Platinum Credit Card
For those with limited or fair credit, the Capital One Platinum Credit Card stands out as a straightforward, unsecured option. Unlike secured cards, it does not require a security deposit, making it appealing if you want a traditional credit experience but haven’t built much history yet.
This card is specifically for people with fair credit scores and provides ongoing opportunities for a higher credit line after demonstrating responsible use. That means if you make your payments on time and manage your balance responsibly, you may see your available credit increase automatically within months.
4. Mission Lane® Visa® Credit Card
If you’re looking for an unsecured card that’s accessible even with a less-than-perfect credit profile, the Mission Lane® Visa® Credit Card is worth considering.
This card aims to help people who are rebuilding their credit or in the process of improving their score, often approving users without requiring a large security deposit.
Mission Lane also offers a simple online prequalification process that doesn’t impact your credit score, so you can check your likelihood of approval before applying. While terms and fees can vary, this card has built a reputation for being relatively forgiving to applicants who have experienced financial setbacks.
5. First Progress Platinum Elite Mastercard® Secured Credit Card
Finally, the First Progress Platinum Elite Mastercard® Secured Credit Card is another card with one of the easiest approval processes in the U.S. because it does not require any credit history to qualify.
As long as you provide a refundable security deposit and basic identity and income information, you can usually get a decision within minutes.
This card reports your payment behavior to all three major credit bureaus, so it can help build your credit history quickly if used responsibly. While it may not offer rewards, its simplicity and accessibility make it one of the most approachable options for people with bad credit or no score.
How Easy Approval Works
In the U.S., credit card approval typically depends on factors like your credit score, income, debt levels, and credit history length. For people new to credit or with a FICO score below the “fair” range (580–669), traditional unsecured cards can be hard to get without high interest rates or fees.
That’s why secured cards and starter cards remain popular. They offer a pathway to build credit by reporting your on-time payments to the major bureaus (Equifax, Experian, and TransUnion). Some cards also allow you to prequalify with a soft credit check that doesn’t affect your score before you formally apply.
Conclusion: Best Easy-Approval Cards for 2026
If your goal in 2026 is to start building or repairing credit in the U.S., consider starting with one of the options above. Secured cards like OpenSky® Plus Secured Visa® and Discover it® Secured can be approved even with little to no credit history.
Unsecured cards like Capital One Platinum and Mission Lane Visa offer a chance at approval with fair credit, while First Progress Platinum Elite Secured gives a quick, accessible route to a first card.
The key is responsible use: make payments on time, keep balances low, and monitor your credit regularly. Over time, this can help you qualify for stronger cards with better rewards and benefits.
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All information in this and other US PIXIN articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://us.pixin.com.br/category/credit-cards/
