One of the alternatives to fast loans that allows us to get money in a short time are credit cards. These are characterized by giving the option of transferring the money to our bank account and withdrawing cash from the ATM. In case of already having a card, we must check with our bank if we have this option, but if it is not the case. Here are some of the best credit cards for easy approval (easy to get) available in the market, their conditions, requirements, limits as well as their main characteristics.
Credit cards are characterized by being an easy financial product to obtain.
If we have a bank account open in a bank, it is possible that we have a debit card associated with them, which are registered at the same time.
However, nowadays more and more entities offer the possibility of hiring a credit card when opening a checking account, many times even being a direct link.
Accessing a credit card is not difficult, but like other products it is subject to a solvency study prior to acceptance.
That is why the bank evaluates our financial profile by granting a limit on this plastic.
Beyond this, with the increase in competition and the enormous offer of cards in the market, the ease of ordering plastics is truly amazing, even in different modalities (debit, credit or prepaid).
In addition, they usually offer them without issuance fees, without maintenance fees, that is, free, without cost of any kind.
We only have to fulfill some minimum connection if we want to obtain a free card.
Credit cards without changing banks
Given the enormous supply of credit cards on the market, this allows us to find the one that best suits our particular needs, therefore without having to change banks.
In this way we can request a credit card in a bank other than ours without the need for any connection (direct debit, open checking account)
Therefore, it is possible to contract a credit card without changing banks, as the entity where we request the card is direct debit payments to the indicated account, regardless of our entity.
At Igreigre, we have selected for you some of the best rated:
Evo Finance Classic Credit Card - Cash without changing bank
The Evo Finance Clasica card provides multiple advantages to its clients. The first that offers up to € 5000 without having to open a checking account, all without changing banks and 100% online.
No maintenance fee having more than 1 million ATMs available to withdraw cash.
It also allows us to transfer up to 80% of the credit limit to our checking account, 1% refund on all our purchases and other discounts on purchases, points program and free insurance.
Avantcard credit card - Without changing bank totally free
The Avantcard credit card allows us to have a credit of up to 5000 euros with two payment methods, a single payment at the end of the period (without interest) or deferred payment (a TIN of 19.21% applies).
Among its advantages we can point out: It is free, it offers different cards (classic Visa, gold and platinum and classic Mastercard and gold).
It also offers us three free insurance, we have the Puentecash service and it is associated with our account, without changing banks. But to add that they return up to 1% of the total purchases accumulating points for gifts.
Bankintercard credit card - Up to 5000 euros without changing bank
Until recently called Obsidiana Bankinter, the Bankintercard provides us with an extensive range of free cards that allows us to obtain up to 5000 euros with fractional payments.
No annual maintenance fee, it allows two payment methods (balance percentage or fixed amount), we can make cash transfer to our account, 5% savings on purchases and different types of cards at our disposal (Visa Vodafone, Visa Gold, Mastercard Platinum, Visa BP, etc)
Barclaycard Credit Card - Free and without changing banks
With the Barclaycard Visa (now Wizink) we can get up to a maximum of 5000 euros, it also returns 1% of purchases made regardless of which establishment it is made in.
It includes several free insurances (anti-fraud, online purchases) being able to defer payment for up to two months without surcharge.
The interest on it for installment purchases is 26.70% APR, fees vary from 7.5 euros per month or 3% of the total purchase and without the need to change bank.
Wizink Gold Credit Card - Up to 10,000 euros without changing banks with the free and flexible Wizink card
The Wizink Oro credit card offers multiple benefits to its customers. The application is simple and fast, it is not necessary to open a checking account or change banks.
It is free, it offers up to 10,000 euros on credit and also has great payment flexibility (fixed monthly fee or payment in the same month).
It also offers discounts on purchases, events, tickets and special promotions, has a purchase insurance from 30 euros for the next 90 days in case of theft or damage of the purchased goods and also other free insurance (travel assistance, medical expenses abroad or accident)
Citi Oro Citibank Card - Card with discounts of up to 15%
The Citi Oro Citibank (now Wizink) is a zero cost card that offers us a maximum of 10,000 euros depending on our creditworthiness.
It offers discounts on our purchases between 10% and 30% but in certain establishments, it allows us to defer payments with a minimum of € 18 per month.
It has several free insurances (protection of purchases and online purchases), a promotion of € 25 as a gift the first time being the APR of 27.24%. Like the previous one, without having to change banks or open an account at Citibank.
Banco Popular-E credit card - Cash and flexible payments
The popular-e card (Wizink currently) offers us up to 10,000 euros according to our financial profile, it is free, we can withdraw money in cash and we have other associated services.
For example free insurance (purchase protection and travel assistance).
Besides, we can transfer up to 80% of the limit to our checking account and defer purchases to 3,6 or 12 months. Of course, without the need to open an account at Banco Popular.
Credit cards associated with payroll account
If we have a fixed and stable source of income we can contract a credit card through a payroll account. Let's see some of the options available in the market:
Openbank Open Credit Card - Free with direct debit of payroll or pension
Openbank's Open Credit can be ideal for emergencies and unexpected expenses.
However, it is necessary to open a current account in Openbank if we want to request it, but it is free if we direct a payroll or pension that exceeds 900 euros.
We can have up to € 6000 to be returned in a variable or fixed fee offering flexibility in payment.
Selfbank credit card - Free Visa card with direct debit
At Selfbank we can contract two types of cards, the gold visa and the classic visa.
It is free, without commissions if we direct the payroll in the Selfbank account or we make a transfer of € 800 at least two months in a row.
It allows us to withdraw money at any Caixa Bank de España ATM, we can transfer cash to the checking account (4% commission).
Payments can also be deferred month by month, the application is online and we only need to be of legal age and reside in Spain. To provide good security, it has the Self Protect system.
Online credit cards with immediate response
The cards are substitutes for cash for plastic money, being valid to obtain financing.
The usual ones are debit cards (we use the balance of our checking account) followed by credit cards and prepaid cards.
While the application and contracting of a debit card is instantaneous as it is associated with the bank account, a meticulous analysis of the customer's solvency is required for credit cards.
The process is therefore slower and may even have a negative response to our request.
With the entry of new technologies and their implementation by banks and financial institutions, we can control our finances online.
We also have entities specialized in online credit card management.
The application for credit cards online continues to grow, facilitating a quick response from the entities that market them.
On the other hand, we can also talk about the loyalty cards offered by department stores and department stores for the purpose of keeping their customers.
After receiving our card we only have to activate it because for security reasons they usually arrive deactivated. The process of activating a card is usually immediate, in minutes we can have it active.