What is the hardest credit card to get accepted for?
Centurion® Card from American Express
One of the world's most prestigious credit cards is the Centurion® Card from American Express*. Though there may be other cards with more elaborate benefits, those cards are kept well under wraps.
The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get approved for because there's no credit check for new applicants. In addition to being easy to get, the OpenSky Plus Card has a $0 annual fee and reports to the major credit bureaus, making it easy to save money and build credit.
The hardest store-affiliated credit card to get is the Costco Anywhere Visa® Card by Citi because it requires excellent credit for approval, which means a credit score of 750 or higher. On top of that, the Costco Credit Card is only available to Costco members.
- Best for students: Discover it® Student Cash Back.
- Best for no annual fee: Citi Double Cash® Card.
- Best secured credit card: Discover it® Secured Credit Card.
- Best for cash back: U.S. Bank Cash+® Visa® Secured Card.
- Best for no credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
What Credit Card Do the Super Rich Use? The super rich use a variety of different credit cards, many of which have strict requirements to obtain, such as invitation only or a high minimum net worth. Such cards include the American Express Centurion (Black Card) and the JP Morgan Chase Reserve.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back. Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in...
First Progress Platinum Elite Mastercard® Secured Credit Card. No minimum credit score required for approval!
You'll have more luck with secured cards, but even then, not all allow subprime consumers to deposit $2,000 or more. It takes six months of timely payments for the two reviewed unsecured cards, Surge® Platinum Mastercard® and Reflex® Platinum Mastercard®, to offer a limit as high as $2,000.
Leading credit card issuers in India like HDFC Bank, SBI Card, Axis Bank, IndusInd Bank and Standard Chartered Bank offer a number of cards, each catering to unique individual needs like fuel, online shopping, dining, movies, groceries, or a mix of all. Before choosing a card, you must compare the available options.
What credit card is the most accepted?
Visa and Mastercard are the most widely accepted credit cards, as both types can be used at 35+ million locations in 200+ countries and territories.
The good news is that Visa and Mastercard are generally widely accepted abroad. The bad news is that Discover cards and American Express cards aren't as widely accepted. Also, in some places cash is still king.
The minimum payment mindset
Here's how most people get trapped in credit card debt: You use your card for a purchase you can't afford or want to defer payment, and then you make only the minimum payment that month. Soon, you are in the habit of using your card to purchase things beyond your budget.
If you want to get a Discover® credit card, you may be wondering how hard it is to get approved. Your credit score plays an important role here. The best Discover credit cards are aimed at consumers with FICO® Scores of 670 or above. If you have good or excellent credit, that helps quite a bit.
Consider a secured credit card
A secured credit card requires that cardholders put down a deposit, which acts as collateral if they're ever unable to make payments. The Discover it® Secured Credit Card is one such option, requiring a security deposit of $200.
A second-chance credit card is a tool you can use to repair your credit, so the approval requirements are generally more lenient than traditional credit cards. Keep in mind that sometimes these cards may come with higher fees, interest rates and other limitations.
Black card credit limit
Like many details with black cards, there's not a clear cut answer. The Centurion® Card from American Express is a charge card with no set credit limit. Amex does have a Pay Over Time option, which allows you to make monthly payments on certain purchases.
- Citi Custom Cash® Card: Best Cash-Back Fair Credit Card.
- Discover it® Secured Credit Card: Best Secured Card for No Credit.
- First Progress Platinum Prestige Mastercard® Secured Credit Card: Best Secured Card for Bad Credit.
What is a black card? A black credit card is a type of extremely exclusive credit card that is almost solely reserved for the ultrawealthy. Typically, the cards are available on an invitation-only basis. The threshold for entry into this elite echelon of card ownership is incredibly high, as are the annual fees.
The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.
What is the easiest credit card to get without deposit?
- Chase Freedom Rise℠ New to Credit. ...
- Petal® 2 “Cash Back, No Fees” Visa® Credit Card. Limited, Fair, Good, Excellent. ...
- Capital One Platinum Credit Card. Average, Fair, Limited. ...
- Petal® 1 “No Annual Fee” Visa® Credit Card. Fair, No Credit. ...
- Upgrade OneCard.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®.
- Centurion Card from American Express (aka Amex Black Card) Invite Only. ...
- J.P. Morgan Reserve Card. Invite Only. ...
- Stratus White Card. Invite Only. ...
- Citi Chairman American Express Card. ...
- Dubai First Royale Card. ...
- Mastercard® Gold CardTM. ...
- Chase Sapphire Reserve.
- Chase Sapphire Preferred® Card.
- Blue Cash Preferred® Card from American Express.
- Citi Custom Cash® Card.
- Capital One Venture Rewards Credit Card.
- U.S. Bank Cash+® Visa Signature® Card.
- Bank of America® Premium Rewards® credit card.
- Bilt World Elite Mastercard® Credit Card.
What is an instant approval credit card? With an instant approval credit card, you can typically receive a response to your application within minutes. But whether you're approved or denied will depend on various requirements set by the issuer, such as income, credit score, housing payments and more.
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