Best Credit Cards That Are Easy To Acquire In 2022

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Shivangi Gupta
Shivangi Gupta
Shivangi adds great value to the team with her prompt and well-researched insight. Her unprecedented love for literature is reflected well enough in her writings. She takes you on a tour to a world apart with the visual imagery in her content that urges the readers to ponder. To get the brain juices flowing, she makes sure to have a brewing cup of coffee next to her all day.

Owning a credit card is a basic necessity today as it makes every transaction uncomplicated. We can do purchasing, pay fees or bills, book travel, and perform every monetary affair in seconds but having the most suitable one in the wallet is a task to choose. With multiple options available to us today, we find ourselves in a trap and we couldn’t calculate which one is the best for us. This article brings out the Best Credit Cards that are easy to acquire in 2022. 

It becomes more difficult for customers with a bad credit score or with new accounts to get a credit card easily as most of the banks consider credit score as their primary condition. Freshers can obtain one by verifying their income, employment, and their student loan. Credit card companies look for surety and it becomes difficult to offer them one with a bad credit score so does that mean that you don’t qualify for one?
No, because there are other credit cards as well which do not consider bad credit to offer you one. These companies approve your credit card application easily and help you in building a good score for the future ahead.  

PathofEx is here with some of the best credit cards that are easy to acquire in 2022. These cards own everything that you are looking for, with the foremost features that will make your financial journey smooth yet exciting irrespective of your score or you’re being new to this industry. 

Best Credit Cards To Boost Your Credit Score

Discover it® Secured Credit Card
Rating 5/5
Best Credit Cards That Are Easy To Acquire In 2022
1. No annual fee and no penalty APR
2. Refundable secured deposit
3. Earn cashback up to $1,000 at gas stations and restorations each quarter, an additional 1% cashback on all other purchases. 
4. Monthly access to FICO Credit score on mobile or online for free limitless Cashback match
5. Freeze policy applicable on mobile app or website in case the card is misplaced
6. 100% U.S-based customer service, available 24/7
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Rating 4/5
Best Credit Cards That Are Easy To Acquire In 2022
1. No annual fee.
2. Any credit score is acceptable (low, fair, good, excellent)
3. Regular APR range from 12.99% to 26.99% (variable)
4. Cashback up to 1.5% is available on eligible purchases after making 12 timely monthly payments, 1% cashback on eligible purchases instantly and some selected merchants are also eligible for 2% to 10% cashback.
5. The card is issued by WebBank, Member FDIC
Bank of America Card Secured Credit Card
Rating 3.3/5Best Credit Cards That Are Easy To Acquire In 2022
1. The minimum Security deposit required to open an account is $300, it can go up to $4,900.
2. Free monthly access to FICO score
3. No intro bonus or annual fee.Regular APR: 22.9% variable
4. Provide credit education to their clients on the matter of how to use credit cards, budgeting, and more. 
Capital One Quicksilver Secured Cash Rewards Credit Card
Rating 3.5/5Best Credit Cards That Are Easy To Acquire In 2022 
1. Best for cashback rewards as it offers1.5% cashback on every purchase that you do anywhere.
2. Easily accessible credit card after bankruptcy.
3. A prior deposit of $200+ is required initially but after some time, it becomes your spending limit.
4. Regular APR: 26.99% variable$0 fraud liability.
5. The security deposit can be earned back as a statement credit by making responsible transactions from your card. 
Journey Student Rewards from Capital One 
Rating 4.5/5Best Credit Cards That Are Easy To Acquire In 2022
1. Credit Level: Fair
2. Suitable for students.
3. No annual fee and APR for purchases is 26.99% (variable)
4. 1% cashback reward on all purchases which can boost up to 1.25% for a particular month if repayment is done on time.
5. The balance transfer fee is $0.ENO (your Capital One assistant) is available for you 24/7.
6. No foreign transaction fee is applicable. 
Capital One Platinum Credit Card
Rating 3.25/5Best Credit Cards That Are Easy To Acquire In 2022
1. Best for people with average credit or new to credit.
2. No annual fee is included and APR on purchases is 26.99%.
3. Account information is reported to three credit bureaus each month.
4. It helps to build credit inexpensively.
5. Good customer service. 
Wells Fargo Business Secured Credit Card 
Rating 3.5/5
Best Credit Cards That Are Easy To Acquire In 2022
1. Rare secured card for business owners.
2. Regular APR: 15.15% (variable)
3. 1.5% cashback for every $! Spent on net purchases.
4. $500 to $25,000 credit line based on the amount deposited.
5. One of the easiest credit cards to get. 
OpenSky Secured Visa Rating 4.6/5Best Credit Cards That Are Easy To Acquire In 20221. No credit check.
2. The minimum deposit required is $200.
3. Set your credit limit ranging from $200 to $3,000.
4. Accepted worldwide. 
Petal 1 “No Annual Fee” Visa Credit Card 
Rating 4.2/5
Best Credit Cards That Are Easy To Acquire In 2022
1. Variable APR ranges from 19.99% – 29.49%.
2. Issued by WebBank, Member FDIC
3. Helps the customers to build stronger credit.
4. No security deposit is required.
5. Credit limits range from $300 to $5,000.
6. No annual or foreign transaction fees.
Deserve® EDU Mastercard for Students
Rating 3/5
Best Credit Cards That Are Easy To Acquire In 2022
1. One year of Amazon Prime Student as a welcome bonus.
2. Regular APR: 18.74% Variable.
3. The credit score required is Limited/No credit.
4. Accessible to international students or students without credit.
5. Flat 1% cashback reward.
6. Offer services like cell phone protection to ensure security.


Choosing a suitable card with multiple options available to us is a tough grind. PathofEx has listed the top ones for you with prominent features that are easy to get; students, customers with no credit or bad credit, people who are looking for feasible APR, or people who want to choose a credit card that is inexpensive, this list includes everything you are chasing. 

For more suggestions or questions, feel free to drop a comment below. 

See you soon!   


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