Learn About 5 Simple and Easily Approve Credit Card Applications in the US – Learn How to Apply

The advantage of applying for a credit card online is that you will likely get an instant decision within a couple of minutes.

However, in some instances, you may need to wait for a few business days until the bank/financial service goes through all relevant documents and determines whether you are eligible.

To help you figure out what is the one that you should apply for, we have prepared a list of the top 5 simple and easy credit card applications. Let’s get right to it.

Learn About 5 Simple and Easily Approve Credit Card Applications in the US - Learn How to Apply

OpenSky Secured Visa Credit Card

While this credit card doesn’t offer miles, rewards, and cash backs, it is still a great everyday option because no credit check is needed!.

Fees and Charges

Among the essential points when choosing a credit card is the annual percentage rate. When it comes to the OpenSky, it is set at 17.39% though that can vary depending on certain personal circumstances.

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It is pretty cool to see that there is no intro purchase APR or intro balance APR. However, you will need to pay an annual fee that is set to $35.

How to Apply

You need to be 18 years and older, provide your social security number, and submit a deposit. The application process is done through a website.

It shouldn’t take more than a couple of minutes. You need to provide your personal info, address and contact details, financial and security info, agreements, and security deposit.

Bank Contact Details

There are a couple of ways to contact OpenSky to check your application or submit any further questions.

Customer support: click here

Mail: OpenSky, PO Box 660924, Dallas, TX 75266-924

Features and Benefits

The most significant advantage is that you don’t need a perfect credit score to get approved.

While there is no specific reward program related to the OpenSky credit card, it still is a good option, especially if you don’t have the best credit history.

Learn About 5 Simple and Easily Approve Credit Card Applications in the US - Learn How to Apply

Horizon Gold Card

Much like with OpenSky, this institution doesn’t consider your credit history either when it comes to applying for a credit card.

Fees and Charges

You will be fascinated to find out that the Horizon Gold Card doesn’t feature an annual percentage rate. 

Not only are you released from paying interest, but also intro balance transfers and intro purchase APR. The only fee that you will be charged is $24.95 every month.

How to Apply

The application process is incredibly simple and is done online – there is no credit or employment check.

The only thing that you need to be is above 18 years old. How long till you get a decision? Not more than a couple of minutes!

If you would like to find out about the Apple credit card that has no fees, click here.

Bank Contact Details

Horizon Gold Card does provide a single contact option, and that is there website customer support.

Customer support: click here

Features and Benefits

The initial credit line is set to $500, while you won’t be paying any APR or have to provide a reasonable credit history.

Overall, it is a good choice, especially if you enjoy shopping at Horizon!

Learn About 5 Simple and Easily Approve Credit Card Applications in the US - Learn How to Apply

Self Credit Builder Account

Another credit card that is easy to get approved for without hard credit pull and proof of employment.

Fees and Charges

The first fee you will be charged is the annual account that is one-time and set to $9-$15. The second thing is the regular APR, which varies between 12.03% and 15.98, depending on the product.

How to Apply

It should take just around 60 seconds for you to get a decision on your application. You should fill out the online application form providing your contact details, address, and agreement to pay off the credit in 12-24 months.

Bank Contact Details

The support center for the Self Account Credit Card is open from 9 am to 5 pm from Monday to Friday.

Live chat: click here

Features and Benefits

The best thing about this credit card is that saving plans start at $25 per month and that you can build an excellent credit history by the end of the two years.

Overall, a good credit card for anyone looking to make purchases/balance transfers daily.

Learn About 5 Simple and Easily Approve Credit Card Applications in the US - Learn How to Apply

Green Dot Primor Visa Gold Secured Credit Card

If you are looking for a credit card with a limit of up to $5,000, this is one of the best card options available.

Fees and Charges

While there is no annual fee, you will be paying a fixed APR that is set to 9.99%. 

How to Apply

The application process is quick and easy, as you don’t need to provide proof of good credit history or employment. The most crucial part is that you are over 18 years old and submit a refundable deposit.

Bank Contact Details

It is a fact that this bank doesn’t offer a reliable call center. However, they do provide good online support, which consists of FAQs and live chat.

Customer support: click here

Features and Benefits

The best thing about this card is that the spending limit can go up to $5,000 as long as you can submit a relevant refundable deposit.

It is a good choice for those looking for an instant credit card with a higher spending limit.

Learn About 5 Simple and Easily Approve Credit Card Applications in the US - Learn How to Apply

UNITY Visa Secured Card

Last but not least is the UNITY credit card, which once again doesn’t ask for good credit history.

Fees and Charges

The first expense that you will have is the minimum of $250 as a refundable deposit. Apart from that, you should consider the 17.99% APR and the very unusual 9.95% APR for the first 6-month balance transfers.

How to Apply

Along with submitting the deposit, you should provide personal and contact info (no credit history), and the decision should be with you in a couple of minutes.

Bank Contact Details

The best way to contact UNITY about your application and any other credit card related questions is through their live customer support.

Live chat: click here

Features and Benefits

The most important feature is that you have a high spending limit and don’t have to worry about whether the previous credit score will mess with your chances.

This is a reliable instant approval credit card that you can become a customer within a couple of minutes!

Learn About 5 Simple and Easily Approve Credit Card Applications in the US - Learn How to Apply

Summary

We did our best to provide a couple of instant credit card options. It is your turn to do further research and decide on one, depending on what you are planning to use it for.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

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