I think a list of credit cards that are relatively easy to get will be helpful to those who are with limited credit history or about to build their credit history.
Student cards are usually the easiest to get. The credit card issuers will not ask your annual income and they do not care your credit history—because you’re about to build your credit. However, you must have to be a student. The credit card issuers sometimes may require you to prove them that you are a student (You can fax your transcript.). Some brand credit cards/store cards like: Amazon.Com Visa Card, BP Visa Card, Starwood Preferred Guest Card etc are usually easy to get. The reason behind this is those merchants want to promote their brands. Those cards usually give you better rewards. In this way, they expect you can shop with them more. Another way to earn money, right? For other cards, you need to have limited and clear credit history. For example, if you have a credit card for 6 months and use it smartly (balance/limit ratio is less than 48%). You can probably try Chase Freedom Card. Or you can also consider Blue/Blue Cash from American Express. In order to reach more potential card members, credit card issuers will promote one or two credit cards to their consumers and those cards are usually easy to get.
Student Cards:
Citi mtvU Platinum Select Visa Card for College Students
Citi Dividend Platinum Select Card for College Students
Student Visa Platinum Plus from BOA
Consumer Cards:
Blue Cash from American Express
Starwood Preferred Guest Credit Card
Citi Dividend Platinum Select Card
Citi Diamond Preferred Rewards Card
Citi Platinum Select/AAdvantage World MasterCard
Business Cards:
Citi Business Card with ThankYou Network (As far as I know, this is one of the easiest business card to get. If you got approved recently, please let’s know.)
Blue Cash for Business Credit Card (New)
Starwood Preferred Guest Business Credit Card
Discover Business Card (If you have a business, this is easy to get.)
If you don’t know how to apply for business credit cards, you can search on my blog to find out the answers. Don’t worry, just give it a try!


























February 22nd, 2008 at 5:49 pm
Thank you. This is really helpful!