Secured cards, such as the Capital One Secured MasterCard, Primor Secured Visa Gold Card and USAA Secured American Express Card, have high approval rates, according to CardHub. Secured cards require a refundable security deposit that serves as the line of credit, so the card holder cannot overspend. This deposit also ensures that the lender is paid if the card holder stops making payments. These cards are for people who want to establish or rebuild credit.
Some regular credit cards, including the Capital One QuickSilverOne Cash Rewards Credit Card, Chase Slate, Discover it and Surge MasterCard, have high acceptance rates for applicants with fair or average credit, according to CreditCards.com. People with fair and average credit also qualify for some prepaid debit cards.
Credit Karma recommends that credit card holders make on-time payments and keep their credit card utilization rate under 30 percent to establish and build good credit. The company also recommends that people looking for new credit cards research cards based on their credit scores and read credit card reviews before applying. Frequent travelers may benefit from a credit card that earns airline miles. Credit Karma also encourages people to read the fine print on their credit card applications so that they understand the terms and conditions associated with their cards.