Easy Approval Credit Cards

Easy to get credit cards

Another of the alternatives to fast loans that we have to obtain money in a short period of time are credit cards. Most of them have the possibility of transferring money to your bank account or withdrawing cash from the ATM . If we already have a card of this type, we should check with the bank to see if they have this option. If not, here we show you some that can be contracted completely online, the requirements that they will ask you, and the maximum money you can make use of.

Credit card Available balance Terms
EVO Smart Credit Card
Since
3%
Maximum APR
22%
According to income Payment deferred from 30 days
  • Free with EVO Smart Account
  • Payment deferred to 18 months without commissions
  • Discounts 2% Galp and 4% on Booking reservations
  • Commission for withdrawing money 3% (minimum € 3)
More info See Offer
FREE Card with the EVO Smart Account Entity: EVO Smart Credit Card Credit limit: From € 1 to According to income Payment method: From 30 days to Deferred payment Response time: Minutes Time to get the money: Instantly from any ATM Is the first credit free? NO Cost: € 1,000 for 18 months: € 0
(APR 3%)
Characteristics and requirements: No payroll No endorsement Credit Checker not accepted Minimum age: 18 years old Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive money: ATMs
ING credit card
Since
3%
Maximum APR
22%
According to income Payment deferred from 30 days
  • Free with ING Payroll Account
  • Payment at the end of the month or in installments
  • 3% refund in Galp, Shell and DISA
  • Allows you to postpone purchases to 3, 6, 12 or 18 months
More info See Offer
Card without renewal fees Entity: ING credit card Credit limit: From € 1 to According to income Method of payment: From 30 days to Deferred payment Response time: 5 minutes Time to obtain the money: Instantly from any ATM . first credit is free? NO Cost: € 1,500 for 12 months: € 167.85
(APR 3%)
Characteristics and requirements: With payroll Without endorsement Does not accept Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: ATMs
Close View Offer

Other cards that might interest you ...

Debit cards Limit characteristics
ING debit card
Since
0%
APR
According to balance Immediate from Immediate
  • Card associated with the Payroll Account
  • More than 50,000 ATMs without fees
  • Allows mobile payment with Twyp
  • Card totally free and without commissions
More info See Offer
No commissions in more than 50,000 ATMs Entity: ING debit card Credit limit: From € 0 to According to balance Payment method : Immediate Response time: 5 minutes Time to obtain the money: Instantly from any ATM Is the first credit free? NO Cost: APR 0% Characteristics and requirements: With payroll Without endorsement Does not accept Credit Checker Minimum age: 18 years Does it allow early cancellation? NO, it is a debit card. Is there a possibility of an extension? NO Ways to receive money: ATMs
Close View Offer
Bankia debit card
Since
0%
APR
According to balance Immediate from Immediate
  • Card associated with the ON Account
  • Visa contactless credit card
  • Transfers in online channels
  • Free registration and renewal fee
More info See Offer
Account without administration or maintenance fees Entity: Bankia debit card Credit limit: From € 0 to According to balance Payment method : Immediate Response time: Minutes Time to get the money: Instantly from any ATM Is the first credit free ? NO Cost: APR 0% Characteristics and requirements: Without payroll Without endorsement Credit Checker does not accept Minimum age: 18 years Does it allow early cancellation? NO, it is a debit card. Is there a possibility of an extension? NO Ways to receive money: ATMs
Close View Offer
BBVA debit card
Since
0%
APR
According to balance Immediate from Immediate
  • Card associated with the Online Account
  • No commissions throughout the BBVA ATM network
  • Pay with your mobile and enjoy promotions
  • Transfers with Bizum
More info See Offer
Direct debit receipts are not required Entity: BBVA debit card Credit limit: From € 0 to According to balance Payment method : Immediate Response time: Minutes Time to obtain the money: Instantly from any ATM. Is the first credit free? NO Cost: APR 0% Characteristics and requirements: Without payroll Without endorsement Credit Checker does not accept Minimum age: 18 years Does it allow early cancellation? NO, it is a debit card. Is there a possibility of an extension? NO Ways to receive money: ATMs
Close View Offer
Business Cards Available balance characteristics
ONE Qonto card
Since
0%
APR
€ 20,000 30 days from 30 days
  • ONE card associated with the company account
  • Payment limit € 20,000 in periods of 30 days
  • It is necessary to contract a monthly plan
  • No hidden fees or permanence
More info See Offer
ATM withdrawal limit € 1,000 in 30-day periods Entity: ONE Qonto card Credit limit : From € 1 to € 20,000 Payment method : 30 days Response time: 15 minutes Time to get the money: 5 or 7 business days Is the first credit free? NO Cost: APR 0% Characteristics and requirements: Without payroll Without endorsement Credit Checker does not accept Minimum age: 18 years Does it allow early cancellation? NO Is there a possibility of an extension? NO Ways to receive money: ATMs
Close View Offer
PLUS Qonto card
Since
0%
APR
€ 40,000 30 days from 30 days
  • PLUS card associated with the company account
  • Payment limit € 40,000 in periods of 30 days
  • Monthly plan plus € 6 per month (+ VAT)
  • Business Plus Guarantee
More info See Offer
ATM withdrawal limit € 2,000 in periods of 30 days Entity: PLUS Qonto card Credit limit : From € 1 to € 40,000 Payment method : 30 days Response time: 15 minutes Time to get the money: 5 or 7 business days Is the first credit free? NO Cost: APR 0% Characteristics and requirements: Without payroll Without endorsement Credit Checker does not accept Minimum age: 18 years Does it allow early cancellation? NO Is there a possibility of an extension? NO Ways to receive money: ATMs
Close View Offer
X Qonto Card
Since
0%
APR
€ 60,000 30 days from 30 days
  • Card X associated with the company account
  • Payment limit € 60,000 in periods of 30 days
  • Monthly plan plus € 20 per month (+ VAT)
  • Access to VIP lounges at airports
More info See Offer
ATM withdrawal limit € 3,000 in 30-day periods Entity: X Qonto card Credit limit : From € 1 to € 60,000 Payment method : 30 days Response time: 15 minutes Time to get the money: 5 or 7 business days Is the first credit free? NO Cost: APR 0% Characteristics and requirements: Without payroll Without endorsement Credit Checker does not accept Minimum age: 18 years Does it allow early cancellation? NO Is there a possibility of an extension? NO Ways to receive money: ATMs
Close View Offer
Subscribe Online Help

Online credit cards with immediate response

Cards are a means of payment that we use to replace cash and also as a method of financing .

The most common cards are debit cards, credit cards and prepaid cards (There are also loyalty cards, gifts or points).

The contracting of debit cards occurs immediately since in most banks and financial institutions this type of card is linked to our current account.

The process of accepting credit cards, being a financial product, involves the risk analysis of the client. That is why the response to your request may suffer some delay unlike debit cards.

On the other hand, the increased use of new technologies allows us to manage our finances online, where we have entities and companies specialized in credit card management .

Every day more card requests are made through the internet, which facilitates a quick response from banks and financial entities.

Apart from the cards offered by credit institutions, we can enjoy the loyalty cards distributed by department stores and commercial chains.

Once we have received our card we have to activate it to be able to use it . In general, the process to activate a card (of whatever type) entails an immediate response.

Types of bank cards

Banks offer different types of cards for customers with different needs. The most demanded are debit cards and credit cards .

In addition to the types of card to which we refer, we also find a type of card known as a business credit card used by corporate entities to differentiate the finances of their employees in the workplace.

In the case of not finding a credit card that meets our expectations, we can compare other types of financial products, such as lines of credit , which although different from cards, will allow us to have an amount of money to always meet our expenses. that we need it.

Credit cards without changing banks

card holder

The wide range of credit cards available in the market allows us to request the card that provides us with the most advantages in the financial institution that we want, without having to change banks .

We can request a credit card from a bank other than ours without having to create a link with them (such as direct debit of our payroll or opening a checking account).

It is possible to contract a credit card without changing bank since the entity from which we request the card will be able to direct the payments to the account that we provide, whatever its entity. These are the ones that currently work best:

  • Wizink Gold Credit Card - Up to 10,000 US dollars without changing banks with the free and flexible Wizink card

    Wizink Gold Credit Card - Free, without changing bank and with multiple advantages

    The Wizink Gold credit card offers multiple advantages to customers. The application process is very simple and it is not necessary to open a new checking account or change banks . In addition, it has no cost , we can get a maximum of 10,000 US dollars and it also has great flexibility in payment.

    • Up to 10,000 US dollars without changing banks . There is the possibility of requesting a temporary or permanent increase in the amount
    • The Wizink Gold card is completely free and has no annual fee
    • It is possible to make the payment in the same month or through a fixed monthly fee
    • Various discounts on events, purchases, tickets and access to special offers and promotions
    • Purchase insurance from € 30 during the following 90 days in case of theft or damage of the purchased goods
    • Many free insurance such as accident, travel assistance until repatriation or medical expenses abroad
    Request More info
  • Evo Finance Classic credit card - Visa card that allows you to obtain cash without changing banks

    Evo Finance Classic credit card - Visa card with cash availability and without changing bank

    The Evo Finance Classic card offers credit up to 5000 US dollars without having to direct the payroll, it does not require having to open a checking account at your bank and the entire process is carried out through its website. The card does not have a maintenance fee and to withdraw cash we have more than 1 million ATMs .

    • Maximum credit available $ 5,000 with payment facilities
    • Allows transfer to the checking account up to 80% of the credit limit granted
    • It is not necessary to change banks or direct payroll
    • 1% refund of total purchases
    • Multiple discounts on purchases, free insurance and points program
    Request More info
  • Obsidiana credit card [Now it is BankinterCard] - Get up to 5,000 US dollars quickly and without changing banks

    Bankinter Obsidian credit card at zero cost - Quick money without changing banks

    Under the name of Obsidiana Bankinter (BankinterCard) it offers us a range of credit cards at zero cost that will allow us to obtain up to a maximum of 5,000 US dollars and with the possibility of splitting the payment into monthly installments .

    • Card without annual maintenance fee
    • Multiple additional associated services such as free accident and travel assistance insurance , and payment protection plan
    • Different types of cards (Visa Gold, MasterCard Platinum, Visa Vodafone, Visa BP, Mastercard Línea Directa, ... etc.) in which the maximum is $ 5,000
    • Two types of monthly payment methods: fixed amount or percentage of the balance .
    • It allows us to make a cash transfer to our account and thus obtain the liquid money
    • Without changing banks and with 5% savings on deferred purchases
    Request More info
  • Bancopopular-e credit card [Now it's WiZink] - Totally free with cash and with flexibility in payments

    Bancopopular-e credit card - Totally free with cash and with flexibility in payments

    With the Popular-e Card (WiZink) we can obtain up to 10,000 US dollars , obviously it will depend on our economic level, with a lot of associated services totally free and the possibility of quickly withdrawing money in cash.

    • It's a free credit card with no annual maintenance fee
    • It has different associated insurance such as travel assistance and purchase protection
    • It is possible to postpone the collection of direct debits or our purchases to 3, 6 or 12 months
    • We can transfer cash to our account and even through HalCash
    • No need to open an account at Banco Popular and they offer discounts in many establishments
    Request More info
  • Avantcard credit card [Now is Evo Finance] - Free and without changing bank

    Visa and Mastercard Avantcard credit cards - Free and without changing bank

    Through the Avantcard Visa or Mastercard (Evo Finance) credit cards we will have a credit line of a maximum of 5,000 US dollars that we can return in the modalities of a single payment at the end of the period (without interest) or deferred payment (19,21 % TIN).

    • Different free cards: Visa (Classic, Gold, Platinum) and Mastercard (Classic, Gold)
    • Three free insurances: purchase protection insurance, accident insurance with 24-hour assistance and travel assistance insurance
    • They will return 1% of the purchases we make and we will accumulate points to obtain gifts
    • PuenteCash service that offers us the possibility of having cash
    • Associated with our usual account, or what is the same, without changing banks
    Request More info
  • Barclaycard credit card [Now it is WiZink] - Visa card without cost and without changing bank

    Visa Barclaycard credit card with discounts on your purchases, online purchase protection and anti-fraud guarantee

    The Barclaycard Visa (WiZink) returns 1% of all purchases you make regardless of the establishment where you make them. It also has anti-fraud insurance, online shopping insurance and allows you to defer payment for up to two months without a surcharge .

    • The cost of the card is free
    • The one available will depend on your financial solvency but the maximum is $ 5,000
    • You can postpone your purchases for up to 59 days without surcharges and the interest for the deferred payment is 26.70% APR
    • The fees for deferred payment range from 7.5 US dollars per month or 3% of the total purchases made
    • It is not necessary to change banks and they return 1% of your purchases
    Request More info
  • Citi Oro Citibank Card [Now WiZink] - Card at zero cost and with discounts of up to 15%

    Citibank Citi Oro Credit Card - Zero cost card with discounts of up to 15%

    The Citi Oro Citibank Card (WiZink) is a free card that allows us to save on our purchases between 10 and 30% , only in the established establishments, and will allow you to defer your payments from a minimum of € 18 per month. It is not necessary to change banks and it also comes with accident insurance and 24-hour travel assistance, purchase protection insurance and online shopping insurance.

    • The annual fee is free every year
    • The maximum available is $ 10,000 although we assume that it will depend on your income and financial capacity
    • They have a promotion of $ 25 gift when using it for the first time
    • Interest, or APR, is 27.24%
    • Without changing banks and without having to open an account at Citibank
    Request More info

Credit card requirements

Although credit cards are a very easy financial product to obtain , to have access to a card requires a prior solvency study by the bank, which causes us to have to wait for a response from the entity.

In general, the requirements that most banks that issue credit cards agree on are the following:

  • Comply with the minimum age required by the bank to which we go,
  • Present our valid identification documentation,
  • Have fixed residence in the United States,
  • Justify fixed income that demonstrate our solvency capacity.

Credit cards associated with a payroll account

If we receive stable income, through a payroll or some other alternative source of income, we can acquire a credit card through a direct debit payroll account with excellent conditions:

In general, our checking accounts usually have associated debit cards that are registered at the same time we contract the checking account. But every day more entities also offer us the credit card when opening the account and sometimes it is even part of the account requirements.

This type of credit card offers us great advantages , among which we find the possibility of postponing the payment of our purchases for up to 18 months , or benefiting from discount programs at certain gas stations or shops.

Although the advantage that we value the most is the opportunity offered by some entities to get a credit card with no annual maintenance fee .

In any case, it will depend on our circumstances that we are interested, or not, in requesting this type of card.

  • SelfBank credit card - Free visa card with direct debit and deferred payment

    Wizink Gold Credit Card - Free, without changing bank and with multiple advantages

    Selfbank offers us two products: the gold visa and the classic visa . The Selfbank credit card is completely free and without commissions if we direct the payroll to the Selfbank account or if a transfer of $ 800 is made for at least 2 consecutive months . Cash can be transferred to the checking account at a cost of 4% of the amount transferred.

    • Free Selfbank visa card without commissions if we direct the payroll
    • Possibility of withdrawing money at any Caixa Bank ATM in United States
    • Payments can be deferred or pay for purchases month by month
    • Request for the card online through its website
    • Be of legal age and have tax residence in United States
    • The card includes the Self Protect service against any operation not carried out by the holder.
    Request More info
  • Openbank Open Credit Card - Free and flexible credit card with direct debit of payroll or pension

    Openbank Visa Open Credit Card - Free and flexible credit card in payment

    Openbank's Open Credit Card is a good option to solve problems or unforeseen events. We must say that to apply for the card it is necessary to open a current account at Open Bank and the card can be free if we direct a payroll or pension that exceeds 900 US dollars . The maximum money available is 6,000 US dollars and it can be paid month by month or with a fixed or variable fee.

    • The maximum credit available is $ 6,000
    • It can be returned month by month or pay a fixed or variable fee
    • Free card if we direct the payroll or pension and it exceeds 900 US dollars
    • To obtain the Open Credit card it is necessary to open a checking account at Open Bank
    • Flexibility in payment , purchases can be postponed
    Request More info

Free credit cards

When deciding which credit card to hire, one of the factors to take into account is its cost . Therefore, before deciding which card we are going to hire, it is recommended to compare and analyze what type of expenses apply:

Commissions for opening, maintaining or withdrawing cash are the most common .

However, due to increased competition and the high supply of cards in the market, it is becoming easier to contract plastics of all modalities (debit, credit and prepaid) without issuance fees and without maintenance fees or, whatever it's the same, free.

To get a free card, normally the bank will ask us to fulfill some type of connection .

As we can see, the less costs they apply to us, the better the financing conditions will be, and the more we will be interested in hiring that card.

At present we have the opportunity to find different types of free credit card, whether we decide to direct our income to the bank that issues our card, or if we prefer to choose a credit card that offers us better conditions in another entity different from our own. Bank.

Therefore, we will find a great offer of credit cards with advantageous conditions that we have to compare before deciding what type of card is best for us.

Revolving Cards

This type of card known as "Revolving", is a type of financial product marketed as a credit card that has a lot in common with a pre-granted loan .

It is a card that allows us to have a limit amount previously agreed with the financial company, with which we can re-use the money granted automatically , as we pay off our debt.

Regarding the type of refund that it allows, it is a recurring payment through a fixed monthly fee without an end date, until we manage to amortize the doubt contracted .

And it is that the very characteristics of this card, both due to the conditions of its return, and the high interest rates that apply, have turned this type of financing into a trap for many consumers, who are unable to pay off their debt.

That is why revolving cards have led to endless claims for abusive interest .

And it is that after ruling 149/2020 of the Supreme Court , justice has been in favor of consumers making it possible for us to recover the money that belongs to us if necessary.

Advantages and disadvantages of credit cards

Although requesting a credit card that allows us to have a financing line always within our reach, before processing our application, it is advisable that we compare its advantages and disadvantages to avoid making decisions without analyzing all its aspects .

Advantage

  • Immediate money availability
  • They include free insurance
  • Discounts and bonuses

Drawbacks

  • Debt risk
  • High interest
  • Associated commissions

Remember that there are other financing alternatives such as mini-credits and personal loans , with which you can get the money you need in a timely manner.

What happens if I don't pay my credit card?

If we are late in paying our credit card fee, we will have to assume the payment of interest as a surcharge , accumulated during the period of time that elapses until we catch up and face our debt.

However, when we do not assume the payment of our card fee, the banking entities will claim the payment of the debt by placing the timely claim in the hands of legal advisors, that is, they will activate the legal means to claim the payment of the same.

In addition, our data will be recorded in the delinquent files of Credit Checker or Rai among others.

Did you find this information useful? Click on the stars to rate

Comments and opinions

Marysue Clark Marin 02/15/18
I can obtain a credit card, I am Ecuadorian and I live in Guayaquil. It is complicated for me because here the DNI would be my identification number and it does not come out as a DNI.
regbiomed.com 02/16/18
Hello Marysue, One of the main requirements demanded by the loan and card entities that we report is to reside in the United States.
Ivan 04/09/19
I can apply for a credit card while in Credit Checker and where can I apply for it
regbiomed.com 04/10/19
Hello Ivan, if you need to apply for a credit card, you may have difficulties granting it, since most finance companies check that your data does not appear in Credit Checker. If you want information to exit Credit Checker, you can consult all the information in this regard on our website, in which we explain what procedures you can take to have your data removed from this file. You also have the option of obtaining another type of financing if you resort to the loans with Credit Checker that we offer you. Thanks for your comment!
Noelia 10/15/19
Where can they give, being in distress? Thank you
regbiomed.com 17/10/19
Hi Noelia, credit cards do not accept Credit Checker. If you need any amount of money, you can consult our list of loans with Credit Checker and see which entity you are interested in depending on the amount you need.If you need online assistance and more specific information you can contact our chat from Monday to Thursday from 10h to 7pm or Friday from 10am to 3pm. You also have the option to exit the delinquency file, you will find all the information in the loans section with Credit Checker, at the top of the page. We hope we have been helpful.
Antonio MG 04/01/20
I applied for the EVO card and they opened an account for me but they didn't tell me anything about the card and I'm still waiting for it, I ask, is the card a credit card? Do I have to deposit money to get the credit? Does it take a long time to send it to me?
RegBio Loan 07/01/20
Hello Antonio, The EVO smart card is used for both credit and debit, if you have not received it yet, or you need more detailed information about the conditions and operation of the card, you can contact the entity.

Write your review

Use this form to send us your comments or give us your opinion.


I have read and accept the Privacy Policy.

* Comments and opinions are not automatically approved and go through a review process to guarantee the quality of this website.

BASIC INFORMATION ON DATA PROTECTION
Responsable: RegBio Loan Solutions Ltd.
Purpose: Respond to your request or inquiry
Legitimation: Consent, execution of conditions of use
Recipients: Hosting service providers
Rights: Access, rectification or deletion, limitation of treatment, opposition to treatment and portability
Additional Information: You can consult additional and detailed information on Data Protection in our Privacy Policy and in our Conditions of Use

Financing through online loans

Fast loans The best information we can find on the internet about fast online loans and the entities that grant them.
Personal loans Complete and updated list of online personal loans of up to 50,000 US dollars with flexible installments and without changing banks.
Loans without payroll Fast online credits in which we will not be required to have a payroll as an essential requirement for approval.
Loans without endorsement Quick personal loans that do not require any type of property (home, car, premises, ... etc.) as collateral.
Instant mini-credits Online mini-credits with which you can get money instantly without paperwork and without unnecessary paperwork.
Interest-free credits Updated collection of all online loans without interest or commissions that we will get free and at 0% interest.
Paperless credits Quick loans without paperwork with 100% online processing and in which they will ask us for few requirements and minimal documentation.
Cards of easy approval Selection of credit cards easy to obtain with online contracting and without the need to change banks.
Loans with Credit Checker Valuable list of urgent credits that accept Credit Checker indicated to solve difficult situations, whether or not we have a payroll.
Urgent credits Online credits with immediate response that will allow us to obtain money with very few requirements and practically on the spot.
Debt reunification Unifying multiple loans into one allows us to refinance outstanding debts and reduce our monthly payment.
Loan for your car We will obtain credit with the car as a guarantee or guarantee and we will continue driving our vehicle while we enjoy the money.
We use our own and third party cookies for navigation, and offer content and advertising of interest. By continuing to browse we understand that you accept our cookie policy . I AGREE
enit