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Guaranteed Approval Credit Cards

Here is a list of guaranteed approval credit cards which will definitely approve your application. Use our filter and select cards that fit your criteria. For example, you can choose only guaranteed approval credit cards, those with no deposit required and also by starting credit limit (eg $750 or $1,000)Approval is easy because rather than doing a soft or hard inquiry on your credit report, these cards have other requirements that are very easy to meet. These cards are ideal for those of you who have been denied other cards and cannot afford another hard inquiry on your credit report.

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Self -Credit Builder Account + Secured Visa® Credit Card

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Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 23.24%*V 
23.24%*V 
Credit Limit: Min $100 
Min $100 
Credit Needed: Any 
Any 
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OpenSky® Secured Visa® Credit Card

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Annual Fee: $35 
$35 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 17.39%*Variable 
17.39%*Variable 
Credit Limit: $200 to $3,000 
$200 to $3,000 
Credit Needed: No Credit 
No Credit 
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First Progress Platinum Elite MasterCard® Secured Credit Card

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Annual Fee: $29 
$29 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 19.99%*V 
19.99%*V 
Credit Limit: $200 to $2,000 
$200 to $2,000 
Credit Needed: No Credit 
No Credit 
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Net First Platinum

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Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $14.77 
$14.77 
APR: 0% 
0% 
Credit Limit: $750 Limit 
$750 Limit 
Credit Needed: Damaged-Fair 
Damaged-Fair 
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Freedom Gold Card

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Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $14.77 
$14.77 
APR: 0% 
0% 
Credit Limit: $750 
$750 
Credit Needed: Damaged-Fair 
Damaged-Fair 
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Merit Platinum

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Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $14.77 
$14.77 
APR: 0% 
0% 
Credit Limit: $750 
$750 
Credit Needed: Bad 400-600 
Bad 400-600 
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Unique Platinum

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Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $19.95 
$19.95 
APR: 0% 
0% 
Credit Limit: $1,000 
$1,000 
Credit Needed: Bad 400-600 
Bad 400-600 
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Reflex MasterCard®

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Annual Fee: See Terms* 
See Terms* 
Application Fee: See Terms* 
See Terms* 
Monthly Fee: See Terms* 
See Terms* 
APR: 24.99%-29.99%*V 
24.99%-29.99%*V 
Credit Limit: $300-$1,000 
$300-$1,000 
Credit Needed: 540-680 
540-680 
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Surge MasterCard®

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Annual Fee: See Terms* 
See Terms* 
Application Fee: See Terms* 
See Terms* 
Monthly Fee: See Terms* 
See Terms* 
APR: 24.99%-29.99%*V 
24.99%-29.99%*V 
Credit Limit: $300-$1,000 
$300-$1,000 
Credit Needed: 540-680 
540-680 
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Destiny Mastercard

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Annual Fee: $59 - $99 
$59 - $99 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 24.9%*V 
24.9%*V 
Credit Limit: $300 
$300 
Credit Needed: 540-680 
540-680 
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Best Guaranteed Approval Secured Credit Cards

The following are guaranteed approval secured credit cards. They do not perform any hard inquiry on your credit report so your credit score is irrelevant. As long as you are able to fund your security deposit, you will be approved. Some cards on this list require a checking account while others allow you to fund your security deposit with either a debit card or a prepaid card.

Opensky Secured Visa Credit Card

Opensky is one of the best known secured credit cards that does not perform any hard inquiry and will definitely approve you as long as you fund your account. Furthermore, you do not need a checking account. You can fund your security deposit with a debit or prepaid card and even with Western Union or Moneygram.

Annual Fee - $35
Regular APR -
Read our review of the Opensky Secured Visa

First Progress Secured Credit Cards

First Progress offers three different secured credit cards with different annual fees and regular APR. However, they all have one thing in common. And that is they do not do any hard or soft inquiry on your credit report and approval is guaranteed as long as your income exceeds your spending by the amount of deposit you intend to fund. This is an excellent card for rebuilders who do not want to get rejected again and again.

Annual Fee - $29, $39 or $49
Regular APR - 9.99%
Read our review of the First Progress Credit Card.

Applied Bank Secured Visa Gold Preferred Credit Card

The Applied Bank Secured Credit Cards does not check your credit report (so no soft or hard inquiry) and gives you a very low regular APR of 9.99%. This is another guaranteed approval secured credit card that is ideal for those of you who have been denied by other issuers. It also does not require a checking account to fund your deposit so this card is ideal for rebuilders who have CHEX problems.

Annual Fee - $48
Regular APR - 9.99%
Read our review of the First Progress Credit Card.

Self Secured Visa The Self Secured Visa allows those of you who are strapped for cash to slowly build up savings by starting a "credit builder account" with them. While you build up your savings via a monthly deposit, you build up your credit as well because they are reported to the credit bureaus. Once you have enough savings in your credit builder account, a secured credit card will be issued to you. Self does not perform any credit checks so approval is guaranteed.

Annual Fee: $0
Regular APR: 23.24%

Read our Self Secured Visa
 

Best Guaranteed Approval Credit Cards with No Deposit Required and Up to $1,000 in Credit Limit

The following guaranteed approval credit cards have no deposit requirements and even come with $1,000 credit limit. The only requirements is that you have a debit card to pay your monthly fee. One of it's appeal is that approval is guaranteed as long as you have a debit card. The other attractive feature is that their starting credit limit is decent $750 to $1,000 and these cards have a track record of credit limit increase.

Net First Platinum

Net First Platinum is issued by Horizon Card services. All you need is a debit card or prepaid card to apply and approval is easy. You can only use this card at www.thehorizonoutlet.com. There is a monthly fee to pay but you get perks like Roadside Assistance. The starting limit is very generous as well (you start off with $750 credit limit) and they have a track record of increasing your credit limit up to $3,000.

Annual Fee: $0
Membership Fee: $14.77/month
Regular APR: 0%

Read our Review of the Net First Platinum

Freedom Gold Card

The Freedom Gold Card is also issued by Horizon Card Services and all you need to get approved is a debit or prepaid credit card as there are no hard or soft inquiries on your credit report. You are initially given a $750 credit line which you can use at www.thehorizonoutlet.com. Freedom Gold reports to Equifax and you can start rebuilding your credit with this card if you have been denied other subprime credit cards.

Annual Fee: $0
Membership Fee: $14.77/month
Regular APR: 0%

Read our Review of the Freedom Gold Card

Merit Platinum Card

Merit Platinum is the latest card from Horizon Card Services which you can use at www.thehorizonoutlet.com. They do not check your credit report and as long as you have a debit card, you will be approved. Credit limit starts at $750 and Horizon Card Services has a track record of credit limit increase. They also report to Equifax so this card actually helps jumpstart your rebuilding efforts.

Annual Fee: $0
Membership Fee: $14.77/month
Regular APR: 0%

Read our Review of Merit Platinum

Principal Platinum Card

Principal Platinum is the latest card from Horizon Card Services and like it's peers, there is no soft or hard inquiry on your credit reports. Approval is guaranteed as long as you have a debit or prepaid card. You are given a $750 credit line which you can use at www.thehorizonoutlet.com. You also get benefits like roadside assistance, RX plans and legal assistance. Principal Platinum also reports to Equifax so this card will help those looking to increase their overall credit lines.

Annual Fee: $0
Membership Fee: $14.77/month
Regular APR: 0%

Read our Review of the Principal Platinum

Unique Platinum

Unique Platinum is a card that is issued by Unique Card Services. You get a starting credit limit of $1,000 which you can use at www.myuniqueoutlet.com. Unique Platinum reports to TransUnion. You also get benefits like Roadside Assistance and Legal Assistance as part of their membership benefits.

Annual Fee: $0
Membership Fee: $19.95/month
Regular APR: 0%

Read our Review of the Unique Platinum

FREQUENTLY ASKED QUESTIONS

What's a guaranteed approval credit card?

What's a guaranteed approval credit card?


A guaranteed approval credit card is one which does not perform any credit checks and you will definitely be approved as long as the information on your application form is correct.

Can I get declined for any of these credit cards on this page?

Can I get declined for any of these credit cards on this page?


As long as you fill in your application correctly (no wrong addresses for example), you should be approved. In the case of the secured credit cards listed on this page, you will be approved but will only get your card once you have deposited your security deposit.

Are there guaranteed approval credit cards with $1,000 limits with no deposit?

Are there guaranteed approval credit cards with $1,000 limits with no deposit?


Yes there are. For example, the Unique Platinum gives you a starting credit limit of $1,000. Secured credit cards allow you to set your own credit limit based on your deposit and you can deposit $1,000 if you have some spare cash. There are also cards like Principal Platinum that starts you off with $750 limit but has a track record of increasing your limits..

Are there guaranteed approval credit cards with $10,000 limits?

Are there guaranteed approval credit cards with $10,000 limits?


No there isn't. But what you can do is to combine a few of these credit cards on these page and cumulatively, you could get a credit limit approaching $10,000.

What is the easiest credit card to get approved for?

What is the easiest credit card to get approved for?


Since all of these cards listed on this page do not perform credit checks and are essentially guaranteed approval credit cards, they are all equally easy to get.

Can I get a credit card with 500 credit score?

Can I get a credit card with 500 credit score?


All the cards on this page will approve you even if your score is 500 or below.

 

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