A program fee for a credit card is a one-time charge that is typically assessed when you are approved, ostensibly to pay for the general benefits of being a cardholder. It is worth noting, though, that there are several credit cards on the market that don't charge either a program fee or an annual fee.
Some Easy Credit Cards to Get With No Program Fee
No Credit Check: Secured Sable ONE Credit Card
No Annual Fee: Petal 2 Visa Credit Card
No Security Deposit: Credit One Bank Platinum Visa for Rebuilding Credit
Cash Back: Capital One Quicksilver Secured Cash Rewards Credit Card
If you don't want to waste money on fees, you can also check our editors' latest picks for the best credit cards with no annual fee to weigh your options.