How can I get a credit card if no one will approve me? This is a question many of you who have been denied credit cards are asking. Well the answer is guaranteed approval credit cards that will approve you no matter what your credit score is because they perform no credit checks or hard inquiries . These credit cards are ideal for those who have just experienced a sharp drop in their credit scores to adverse levels and those who have many charged off and delinquent unsecured credit cards in collections or bundled in a debt consolidation loan. If this describes the state of your credit situation, then you are likely to have been or will be denied most subprime credit cards and should consider our recommendations here.
While you can technically say there is no real "guaranteed approval credit cards", the reality is that the recommended credit cards listed here have easy application and approval is instant in most cases because the criteria and requirements are easily met by almost everyone. You would also be pleasantly surprised to know that you can get credit limits that are quite high by subprime standards, ranging from $1,000, $2,000 and up to $5,000.
Credit cards that guarantee approval include secured credit cards, credit builder credit cards, prepaid credit cards and debit cards. Secured credit cards that guarantee approval often just require that you pass basic identity verification and fund your security deposit, or open a mobile bank account with them and set up a direct deposit. You would also be surprised that some of these security deposit requirements are lower than most though you could deposit up to $2,000, $3,000 and $5,000 to set yourself a very high limit. There are also unsecured credit cards that guarantee approval and these tend to be merchandise or electronic store credit cards. Very often, the only requirement is that you have a debit card or have a minimum income of around $1,000. Credit limits for these cards come at around the $1,000 area so they are not too shabby.
Here are credit cards with up to $5,000 that guarantees approval without credit checks.
The Extra Debit Card is a debit card with no credit checks. Approval is guaranteed as long as you link your bank account to Extra and you have a positive bank balance.
Who is this card for? - The Extra Card is a debit card that is for the rebuilder who has a checking account and does not need or want a credit line and get into more debt (which is impossible with a debit card). It is also ideal for rebuilders who not want to put up a security deposit that is required in a secured credit card. This card allows a rebuilder to rebuild his/her credit, control his/her spending without any risk of getting into more debt.
Requirements - All you need is a checking account. You must link your checking account to the Extra Debit Card via PLAID.
Why We Like This Card? - We like this card because being a Mastercard Debit Card, you can use it anywhere Mastercard is accepted. Furthermore, as the Extra Card is one of the extremely rare debit cards that report to both Equifax and Experian, you can rebuild your credit without getting into more debt. The $20 monthly fee is also very reasonable. Rebuilding with a debit card means you will never carry a balance and there is no chance you get into credit card debt.
Cardholders Comments - Here are a couple of cardholder comments on the Extra Card.
Annual Fee - $149
Regular APR - None as it is a debit card
Maximum Credit Limit - Up to 85% of your positive bank balance.
Requirements - Need a checking account, which you have to link to Extra Card via PLAID.
Read our review of the Extra Debit Card
Super.com is a hotel booking site with millions of customer who have saved more money on hotel bookings than other sites and apps like booking.com or expedia.com. They have a secured credit card with no annual fee, 0% APR and no foreign transaction fee. You may also be eligible for a 0% cash advance. Who is this card for? - The Super+ Secured Mastercard for for folks who want to save money on hotel bookings through the super.com app and earn cash back at the same time. It is ideal for those who have bad credit and do not want to incur a hard inquiry on their credit report as the Super+ Card does not perform any credit checks. It is also for those who occasionally need to take a cash advance as Super+ gives qualified cardholders up to $200 in cash advance at 0% APR.
Annual Fee - $0
Regular APR - 0%
Cash Advance APR - 0%
Maximum Credit Limit - $5,000
Cash Back Rewards - 10% cash back on hotel bookings, 5% cash back on Superstore purchases, 1% cash back on other regular purchases.
Membership Fees - To get the Super+ Card, you need to join the Super App membership for $15/month.
Requirements - You simply have to link your checking account or debit card to the Super app..
Read our review of the Super+ Card
Who is this card for? - The Go2Bank Secured Visa is for rebuilders who want a no credit check guaranteed approval secured credit with a low security deposit requirement. Unlike the majority of secured credit cards which require at least $200 in security deposit, Go2Bank secured credit card only requires a $100 minimum, making it a more affordable secured credit card than others. It is also another no annual fee credit card that guarantees approval.
Requirements - You would need to set up a Go2Bank Mobile Banking Account and direct deposit. Once you have direct deposited $100 into your account, you can request for their secured credit card. Both mobile bank and secured credit card do not perform any credit checks.
Why we like this card? - We like the Go2Bank Secured Visa credit card for many reasons. With regard to the card itself, there is no annual fee and it has a low minimum security deposit of $100. You also get a free Vantage Score from Equifax with the card as well.
However, Go2Bank's mobile account (called the Vault) is a great online mobile banking account and platform as well. You can get a really good APY (interest) on your account and get your paycheck 2 days earlier (4 days earlier for government benefits) with direct deposits).
More importantly, Go2Bank has a really slick modern app that is top notch among the cards mentioned here.
Annual Fee - $0
Regular APR - 22.99%
Credit Limit - Min of $100, No Maximum Credit Limit
Read our review of the Go2Bank Secured Visa Credit Card.
Who is this card for? - StellarFi is for people who rent and want to have their rent, utilities, insurance, cell phone bills, streaming services and other bills to be reported to all the major credit bureaus. It is also ideal for people who want to avoid getting into more debt and are hence reluctant to use a credit card to build or rebuild their credit.
Requirements - There are no credit checks and you simply have to link your main bank account to StellarFi.
Why we like StellarFi? - Most landlords and utility companies do not report your payment to the three major credit bureaus. While you can charge your cellphone bills to a credit card, many now require you to pay through your checking account to continue getting the discounts you got when you signed up for your plan. Even internet services offer you discounts if you pay via your checking account. StellarFi will pay these bills for you and get them reported to the credit bureaus.
Lite Membership Fee: $4.99/month for Lite Plan for up to $500 in limits.
Prime Membership Fee: $8.99/month for Prime Plan with up to $25,000 in credit limits.
Credit Limit: Up to $25,000 for Prime Plan
Read our Review of StellarFi
Who is this card for? - The Self Secured Visa is ideal for those who want to rebuild with a secured credit card but do not have the funds for the security deposit. As a credit builder card, Self allows you to deposit a fixed amount into your Self credit builder account every month until you meet your security deposit target. Once that is achieved, you will get your secured credit card. The maximum limit you can save and deposit in your Self account is $3,000.
Requirements - You need to open a credit builder account with Self. After paying a minimum of three monthly payments and having saved enough for your security deposit (minimum amount is $100), you can then get the secured credit card and fund it with your savings from the credit builder account. Both the credit builder account and secured credit card require no credit checks and you will definitely be approved.
Why we like this card? - We like the Self Secured Visa because it 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. Self also does not check your credit so you will definitely be approved.
Cardholders Comments - Here are a couple of cardholder comments on the Self Secured Visa Card.
Annual Fee: $0
Regular APR: 23.24%
Requirements - Open a Self Credit Builder account, make a minimum of three payments.
Credit Limits - Minimum of $100 and a maximum of $3,000.
Read our review of the Self Secured Visa
Who is this card for? - The Opensky Plus Secured Visa Credit Card is ideal for rebuilders who want to rebuild with a no annual fee secured credit card with a chance of graduating to an unsecured credit card. Cardholders may get a chance to graduate to the Opensky Gold Unsecured Visa in as little as 6 months. It will also appeal to those with a very low score (I am talking 400 credit score range) who do not want to experience a hard inquiry on their credit report which may result in a ding in their credit scores.
Requirements - No credit checks. Will definitely be approved though you do need to fund your security deposit before the card will be delivered to you.
Why We Like This Card? - We like the Opensky Plus credit card for many reasons. Firstly, there is no annual fee. The Opensky Plus also gives you to up to 60 days to fund your security deposit (in increments if you like). You also have the chance to graduate to the Opensky Gold Unsecured Credit Card in as little as 6 months. There are no credit checks if you are graduated. So essentially, the Opensky Gold Card is an unsecured credit card that guarantees approval without deposit for existing Opensky Plus holders. You are also eligible to get a credit limit increase without the need for additional security deposit in as little as 6 months as well. You can set a credit limit anywhere from $300 to $3,000. The Opensky Plus is a guaranteed approval credit card with up to $3,000 credit limit.
Opensky now have a mobile app which they launched in 2019 and they are gradually making improvements to it. This will make them more appealing as many subprime issuers do not even have a mobile app. You can also set up autopay (which is actually not available to many subprime credit cards).
Annual Fee - $0
Regular APR - 29.74%
Requirements - No credit checks. You will be approved but you need to fund your security deposit.
Credit Limit - $300 - $3,000
Read our review of the Opensky Plus Secured Visa
Below are credit cards that give up to $2,000 in credit limits that do not perform hard inquiries and hence almost guarantee your approval.
Who is this card for? - The First Progress Select Mastercard is ideal for rebuilders with very low credit scores or even those who have been discharged from bankruptcy and are looking for a secured credit card to rebuild without incurring any hard inquiries. As there are no credit checks, it is essentially a guaranteed approval secured credit card with a credit limit up to $2,000. However, if you read the terms and conditions carefully, it says that First Progress may also increase your credit limit without the need for additional security deposit up to a total maximum limit of $5,000.
Requirements - No credit checks. Acceptance is assured and you will be able to use your card as long as you fund your security deposit (which sets your initial credit limit).
Why we like this card? - We like the First Progress Select Mastercard because there is no credit checks and you will definitely be approved as long as you fund your security deposit. Both the annual fee and APR are reasonable and you will be able to check your Vantage score from Experian every month for free. First Progress also offers you an upgrade path to an unsecured credit card in as little as 6 months if you pay your bills on time as you may be invited to apply for the First Digital Mastercard (which has a partnership with First Progress). They also now offer cardholders the ability to earn 1% cash back on your payments
Annual Fee - $39
Regular APR - 18.99%
Credit Limit - $200 - $2,000.
Maximum Credit Limit - $5,000
Read our review of the First Progress Platinum Select Mastercard.
Below are guaranteed approval credit cards that offer a starting credit limit of $1,000.
Who is this card for? - The Unique Platinum is an online store merchandise credit card that allows you to shop at their online store www.myuniqueoutlet.com. There are no credit checks and you will definitley be approved as long as you have a debit card to pay their membership fees. Benefits include things like roadside assistance, RX plan and prepaid legal plans. This card is for those who like to make purchases at the MyUniqueOutlet online store and/or would like to get the card benefits at a good discounted bundled rate. It is essentially a guaranteed approval store card with a $1,000 credit limit.
Requirements: There are no credit checks. You simply have to enter a valid debit card to pay for your monthly membership fee.
Monthly Fee: $19.95
Regular APR: 0%
Credit Limit: $1,000
Read our review of the Unique Platinum Card
While the following credit cards and loans do not guarantee approval, they are good alternatives with good credit limits. While they do not guarantee approval, they allow you to go through a pre-approval pre-qualification process with a soft inquiry with no impact on your credit score. If you are pre-approved, you can then decide if you want to risk a hard inquiry and go through the application process. If you are not pre-approved, then you at least save yourself a hard inquiry.
Who is this card for? - The Reflex Mastercard is primarily for two types of rebuilders. The first category of rebuilders are those who have just emerged from bankruptcy and would like to get an unsecured credit card. Reflex is a card that will approve those who have recently emerged from bankruptcy with a clean slate to start over. Though approval is not guaranteed, there is a very good chance you will get approved. The Reflex credit card is also for those who have taken a year or so to rebuild their credit (perhaps through secured credit cards or credit builder loans) and have improved their credit scores, settled all collections and charge offs and are ready to get an unsecured credit limit with high limits.
Requirements - There are several things that will greatly improve your chance of get approved. You need to have worked on your credit score for at least 6 months to a year and show improvement in your scores. Ideally, you credit utilization ratio should be no more than 30% and your debt payment to income ratio should be no more than 40% as well.
Why we like this card? - There are three main reasons why we like the Reflex Mastercard. The first is that they offer four versions with different credit limits and fees and this alone increases your chance of getting approved. The starting credit limits available are $300, $500, $750 and $1,000. Secondly, if you pay your first six monthly bills on time, your credit limit will double. That means it will increase to $600, $1,000, $1,500 and $2,000 respectively from the original starting credit limit. Thirdly, Reflex has modern perks like free credit scores and a mobile app as well.
Annual Fee: varies - check our review
Credit Limit: $300, $500, $750 or $1,000. Doubles to $600, $1,000, $1,500 and $2,000 after 6 months of timely payments.
Read our review of the Reflex Mastercard
Who is this loan for? - Zippy Loan is for those with bad credit looking for a loan for debt consolidation, renovations or any other personal loan for up to $15,000..
Requirements - Zippy Loan has relationship with over 100 lenders hence we cannot pin down any certain criteria. But having a regular income is a must as well as the usual credit metrics like credit utilization ratio, total debt etc.
Why we like this loan? - Zippy Loan is a loan aggregator who has relationships with over one hundred lenders. Hence, there is a very good chance that there will be a lender who will suit your needs. Their app and online application is extremely simple. Approval is very quick and you can get cash in your account as soon as the next business day after approval.
Loan Limit: $100 to $15,000
Read our Zippy Loan Review
Not only is approval instant and very quick for the most parts, some cards also lets you use them immediately after you are approved even though you may not have received your physical card yet. For example, both the Super+ Card and Extra Card give you virtual cards which you can add to your digital wallet immediately after you are approved so you can use it immediately.
But there are other cards like Opensky Plus Secured Visa that will approve you immediately but you can only use the card once you have received it physically in the mail.
Some cards will give you credit limits based on your linked account positive balance and in theory, the credit limit is unlimited.
As far as APR is concerned, most cards offer APRs that are similar to credit cards targeting those with bad credit. Some cards require you to pay in full and so do not have any APR.
While you can technically say there is no real "guaranteed approval credit cards", the reality is that the recommended credit cards listed here have easy application and approval is instant in most cases because the criteria and requirements are easily met by almost everyone. You would also be pleasantly surprised to know that you can get credit limits that are quite high by subprime standards, ranging from $1,000, $2,000 and up to $5,000.
Credit cards that guarantee approval include secured credit cards, credit builder credit cards, prepaid credit cards and debit cards. Secured credit cards that guarantee approval often just require that you pass basic identity verification and fund your security deposit, or open a mobile bank account with them and set up a direct deposit. You would also be surprised that some of these security deposit requirements are lower than most though you could deposit up to $2,000, $3,000 and $5,000 to set yourself a very high limit. There are also unsecured credit cards that guarantee approval and these tend to be merchandise or electronic store credit cards. Very often, the only requirement is that you have a debit card or have a minimum income of around $1,000. Credit limits for these cards come at around the $1,000 area so they are not too shabby.
Best Guaranteed Approval Credit Cards with $1,000 to $5,000 Limit Comparison Table
| Card | Annual Fee | Monthly Fee | Credit Limits | Credit Bureaus |
|---|---|---|---|---|
| StellarFi | N.A. |
$4.99/month (Lite) $9.99/month (Prime) |
Lite Membership - $500 Prime Membership - Up to $25,000 |
Tri-Credit Bureau |
| Opensky Plus | $0 | $0 | $300 - $$3,000 | Tri-Credit Bureaus |
| Super+ Card | $0 | $15 | Up to $5,000 | Tri-Credit Bureaus |
| Self-Secured Visa | $0 | $0 | $100 - $3,000 | Tri-Credit Bureau |
| Extra Debit Card | $149 | $0 | Up to 80% of Bank Balance | Equifax and Experian |
Guaranteed Approval Credit Cards with $5,000 Credit Limits
Extra Debit Card - Up to 80% of Bank Balance
The Extra Debit Card is a debit card with no credit checks. Approval is guaranteed as long as you link your bank account to Extra and you have a positive bank balance.
Who is this card for? - The Extra Card is a debit card that is for the rebuilder who has a checking account and does not need or want a credit line and get into more debt (which is impossible with a debit card). It is also ideal for rebuilders who not want to put up a security deposit that is required in a secured credit card. This card allows a rebuilder to rebuild his/her credit, control his/her spending without any risk of getting into more debt.
Requirements - All you need is a checking account. You must link your checking account to the Extra Debit Card via PLAID.
Why We Like This Card? - We like this card because being a Mastercard Debit Card, you can use it anywhere Mastercard is accepted. Furthermore, as the Extra Card is one of the extremely rare debit cards that report to both Equifax and Experian, you can rebuild your credit without getting into more debt. The $20 monthly fee is also very reasonable. Rebuilding with a debit card means you will never carry a balance and there is no chance you get into credit card debt.
Cardholders Comments - Here are a couple of cardholder comments on the Extra Card.
After a nasty divorce my credit score went down from 750 to 580. Even with a 580 credit score I got denied by my bank's secured credit card and other unsecured cards. I got easily approved for Extra and for me, the $20/month is definitely worth it to rebuild my credit. At the same time, I got a Self acccount and later their secured Visa and after a year and a half, my credit score has increased by 100 points to 680.
Annual Fee - $149
Regular APR - None as it is a debit card
Maximum Credit Limit - Up to 85% of your positive bank balance.
Requirements - Need a checking account, which you have to link to Extra Card via PLAID.
Super+ Card - Save Money on Hotel Bookings and Earn Cash Back
Super.com is a hotel booking site with millions of customer who have saved more money on hotel bookings than other sites and apps like booking.com or expedia.com. They have a secured credit card with no annual fee, 0% APR and no foreign transaction fee. You may also be eligible for a 0% cash advance. Who is this card for? - The Super+ Secured Mastercard for for folks who want to save money on hotel bookings through the super.com app and earn cash back at the same time. It is ideal for those who have bad credit and do not want to incur a hard inquiry on their credit report as the Super+ Card does not perform any credit checks. It is also for those who occasionally need to take a cash advance as Super+ gives qualified cardholders up to $200 in cash advance at 0% APR.
Annual Fee - $0
Regular APR - 0%
Cash Advance APR - 0%
Maximum Credit Limit - $5,000
Cash Back Rewards - 10% cash back on hotel bookings, 5% cash back on Superstore purchases, 1% cash back on other regular purchases.
Membership Fees - To get the Super+ Card, you need to join the Super App membership for $15/month.
Requirements - You simply have to link your checking account or debit card to the Super app..
Read our review of the Super+ Card
Go2Bank Secured Credit Card
Who is this card for? - The Go2Bank Secured Visa is for rebuilders who want a no credit check guaranteed approval secured credit with a low security deposit requirement. Unlike the majority of secured credit cards which require at least $200 in security deposit, Go2Bank secured credit card only requires a $100 minimum, making it a more affordable secured credit card than others. It is also another no annual fee credit card that guarantees approval.
Requirements - You would need to set up a Go2Bank Mobile Banking Account and direct deposit. Once you have direct deposited $100 into your account, you can request for their secured credit card. Both mobile bank and secured credit card do not perform any credit checks.
Why we like this card? - We like the Go2Bank Secured Visa credit card for many reasons. With regard to the card itself, there is no annual fee and it has a low minimum security deposit of $100. You also get a free Vantage Score from Equifax with the card as well.
However, Go2Bank's mobile account (called the Vault) is a great online mobile banking account and platform as well. You can get a really good APY (interest) on your account and get your paycheck 2 days earlier (4 days earlier for government benefits) with direct deposits).
More importantly, Go2Bank has a really slick modern app that is top notch among the cards mentioned here.
Annual Fee - $0
Regular APR - 22.99%
Credit Limit - Min of $100, No Maximum Credit Limit
StellarFi - Reports Rent, Utilities, Insurance and Other Bills
Who is this card for? - StellarFi is for people who rent and want to have their rent, utilities, insurance, cell phone bills, streaming services and other bills to be reported to all the major credit bureaus. It is also ideal for people who want to avoid getting into more debt and are hence reluctant to use a credit card to build or rebuild their credit.
Requirements - There are no credit checks and you simply have to link your main bank account to StellarFi.
Why we like StellarFi? - Most landlords and utility companies do not report your payment to the three major credit bureaus. While you can charge your cellphone bills to a credit card, many now require you to pay through your checking account to continue getting the discounts you got when you signed up for your plan. Even internet services offer you discounts if you pay via your checking account. StellarFi will pay these bills for you and get them reported to the credit bureaus.
Lite Membership Fee: $4.99/month for Lite Plan for up to $500 in limits.
Prime Membership Fee: $8.99/month for Prime Plan with up to $25,000 in credit limits.
Credit Limit: Up to $25,000 for Prime Plan
$3,000 Credit Limits Credit Card with Guaranteed Approval
Self Credit Builder + Secured Visa
Who is this card for? - The Self Secured Visa is ideal for those who want to rebuild with a secured credit card but do not have the funds for the security deposit. As a credit builder card, Self allows you to deposit a fixed amount into your Self credit builder account every month until you meet your security deposit target. Once that is achieved, you will get your secured credit card. The maximum limit you can save and deposit in your Self account is $3,000.
Requirements - You need to open a credit builder account with Self. After paying a minimum of three monthly payments and having saved enough for your security deposit (minimum amount is $100), you can then get the secured credit card and fund it with your savings from the credit builder account. Both the credit builder account and secured credit card require no credit checks and you will definitely be approved.
Why we like this card? - We like the Self Secured Visa because it 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. Self also does not check your credit so you will definitely be approved.
Cardholders Comments - Here are a couple of cardholder comments on the Self Secured Visa Card.
I’ve had them for 1.5 years and currently have a secured card for $1850 through them. They have absolutely raised my score and updated all positive history.
Annual Fee: $0
Regular APR: 23.24%
Requirements - Open a Self Credit Builder account, make a minimum of three payments.
Credit Limits - Minimum of $100 and a maximum of $3,000.
Opensky Plus Credit Card $0 Annual Fee
Who is this card for? - The Opensky Plus Secured Visa Credit Card is ideal for rebuilders who want to rebuild with a no annual fee secured credit card with a chance of graduating to an unsecured credit card. Cardholders may get a chance to graduate to the Opensky Gold Unsecured Visa in as little as 6 months. It will also appeal to those with a very low score (I am talking 400 credit score range) who do not want to experience a hard inquiry on their credit report which may result in a ding in their credit scores.
Requirements - No credit checks. Will definitely be approved though you do need to fund your security deposit before the card will be delivered to you.
Why We Like This Card? - We like the Opensky Plus credit card for many reasons. Firstly, there is no annual fee. The Opensky Plus also gives you to up to 60 days to fund your security deposit (in increments if you like). You also have the chance to graduate to the Opensky Gold Unsecured Credit Card in as little as 6 months. There are no credit checks if you are graduated. So essentially, the Opensky Gold Card is an unsecured credit card that guarantees approval without deposit for existing Opensky Plus holders. You are also eligible to get a credit limit increase without the need for additional security deposit in as little as 6 months as well. You can set a credit limit anywhere from $300 to $3,000. The Opensky Plus is a guaranteed approval credit card with up to $3,000 credit limit.
Opensky now have a mobile app which they launched in 2019 and they are gradually making improvements to it. This will make them more appealing as many subprime issuers do not even have a mobile app. You can also set up autopay (which is actually not available to many subprime credit cards).
Annual Fee - $0
Regular APR - 29.74%
Requirements - No credit checks. You will be approved but you need to fund your security deposit.
Credit Limit - $300 - $3,000
$2,000 Credit Limit Credit Cards with Guaranteed Approval
First Progress Platinum Select Mastercard Secured Credit Card
Who is this card for? - The First Progress Select Mastercard is ideal for rebuilders with very low credit scores or even those who have been discharged from bankruptcy and are looking for a secured credit card to rebuild without incurring any hard inquiries. As there are no credit checks, it is essentially a guaranteed approval secured credit card with a credit limit up to $2,000. However, if you read the terms and conditions carefully, it says that First Progress may also increase your credit limit without the need for additional security deposit up to a total maximum limit of $5,000.
Requirements - No credit checks. Acceptance is assured and you will be able to use your card as long as you fund your security deposit (which sets your initial credit limit).
Why we like this card? - We like the First Progress Select Mastercard because there is no credit checks and you will definitely be approved as long as you fund your security deposit. Both the annual fee and APR are reasonable and you will be able to check your Vantage score from Experian every month for free. First Progress also offers you an upgrade path to an unsecured credit card in as little as 6 months if you pay your bills on time as you may be invited to apply for the First Digital Mastercard (which has a partnership with First Progress). They also now offer cardholders the ability to earn 1% cash back on your payments
Annual Fee - $39
Regular APR - 18.99%
Credit Limit - $200 - $2,000.
Maximum Credit Limit - $5,000
Guaranteed Approval Credit Cards with $1,000 Credit Limits
Unique Platinum - $1,000 Starting Credit Limit
Who is this card for? - The Unique Platinum is an online store merchandise credit card that allows you to shop at their online store www.myuniqueoutlet.com. There are no credit checks and you will definitley be approved as long as you have a debit card to pay their membership fees. Benefits include things like roadside assistance, RX plan and prepaid legal plans. This card is for those who like to make purchases at the MyUniqueOutlet online store and/or would like to get the card benefits at a good discounted bundled rate. It is essentially a guaranteed approval store card with a $1,000 credit limit.
Requirements: There are no credit checks. You simply have to enter a valid debit card to pay for your monthly membership fee.
Monthly Fee: $19.95
Regular APR: 0%
Credit Limit: $1,000
Alternatives to Guaranteed Approval Credit Cards with $1,000 Limits
Reflex Mastercard
Who is this card for? - The Reflex Mastercard is primarily for two types of rebuilders. The first category of rebuilders are those who have just emerged from bankruptcy and would like to get an unsecured credit card. Reflex is a card that will approve those who have recently emerged from bankruptcy with a clean slate to start over. Though approval is not guaranteed, there is a very good chance you will get approved. The Reflex credit card is also for those who have taken a year or so to rebuild their credit (perhaps through secured credit cards or credit builder loans) and have improved their credit scores, settled all collections and charge offs and are ready to get an unsecured credit limit with high limits.
Requirements - There are several things that will greatly improve your chance of get approved. You need to have worked on your credit score for at least 6 months to a year and show improvement in your scores. Ideally, you credit utilization ratio should be no more than 30% and your debt payment to income ratio should be no more than 40% as well.
Why we like this card? - There are three main reasons why we like the Reflex Mastercard. The first is that they offer four versions with different credit limits and fees and this alone increases your chance of getting approved. The starting credit limits available are $300, $500, $750 and $1,000. Secondly, if you pay your first six monthly bills on time, your credit limit will double. That means it will increase to $600, $1,000, $1,500 and $2,000 respectively from the original starting credit limit. Thirdly, Reflex has modern perks like free credit scores and a mobile app as well.
Annual Fee: varies - check our review
Credit Limit: $300, $500, $750 or $1,000. Doubles to $600, $1,000, $1,500 and $2,000 after 6 months of timely payments.
Zippy Loans
Who is this loan for? - Zippy Loan is for those with bad credit looking for a loan for debt consolidation, renovations or any other personal loan for up to $15,000..
Requirements - Zippy Loan has relationship with over 100 lenders hence we cannot pin down any certain criteria. But having a regular income is a must as well as the usual credit metrics like credit utilization ratio, total debt etc.
Why we like this loan? - Zippy Loan is a loan aggregator who has relationships with over one hundred lenders. Hence, there is a very good chance that there will be a lender who will suit your needs. Their app and online application is extremely simple. Approval is very quick and you can get cash in your account as soon as the next business day after approval.
Loan Limit: $100 to $15,000
What Are Guaranteed Approval Credit Cards?
Guaranteed approval credit cards are often referred to credit cards that do not perform any credit checks our hard inquiries. That means that they not rely on credit scores to approve you. Instead, they rely on other factors which are much easier to fulfil to approve you. So though nothing is 100% guaranteed approval, it is much easier to get approved for a guaranteed approval credit card than a regular credit card for bad credit which will pull your credit report. Below are the different types of guaranteed approval credit cards.Guaranteed Approval Secured Credit Cards that Requires Funding of Security Deposit
Though secured credit cards require a security deposit (which acts as a collateral in case you default), some secured credit cards will deny your application if you have adverse items in your credit report. For example, some secured credit cards will deny your application if you have just emerged from bankruptcy. On the other hand, guaranteed approved secured credit cards will approve you as long as you fund your security deposit. A great example is the Opensky Plus Secured Credit Card.Guaranteed Approval Secured Credit Cards that Require you to open banking account and set up direct Deposit
Some secured credit cards do not have credit checks, but require you to set up a banking account with them as well as a direct deposit. After that is done, you can request a secured credit card which is backed by the account balance in your bank account and be definitely approved with no credit checks. An example of such secured credit cards is the Go2Bank Secured Visa.Credit Builder Loans to Secured Credit Card
Some secured credit cards require you to set up a credit builder loan before you can get their secured credit card. A prime example would be the Self Credit Builder Account and Secured Visa Credit Card. Self requires you to take out a loan (which you will not see), but pay it back over time. This is not only reported to all 3 credit bureaus but is also a means of saving up for your security deposit. Once you have saved up enough, you can then get the secured credit card. Both the credit builder loan and secured credit card does not involve credit checks and approval is guaranteed.Cards Requiring Linking Checking Account
There are some cards that simply require you to link your checking account and as long as you have a healthy positive balance, you will be approved. One example is the Extra Debit Card. You simply have to link it to your checking account via PLAID, use the card and it will be reported to credit bureaus. Another example is StellarFi. You have to link your checking account to StellarFi and you will be issued a Virtual credit card where you can pay your rent, utilities, insurance and other bills to build your credit.Guaranteed Approval Unsecured Credit Cards
There are also some unsecured credit cards that guarantee approval. Most of these are closed-loop merchandise store cards where you can only use the card at their online stores. There are a couple of startups that have unsecured credit cards that will approve you if you link your bank account and it has a consistent positive balance. We will look into more of these cards as they become more established.Guranteed Approval Credit Cards Are Approved Instantly Most of the Time and Some Provide Instant Access
One of the key attractiveness of credit cards with guaranteed approval is that most of you will be approved almost instantly after you apply. In some rare cases, you may be asked to go through an indentification process where you may have to upload some ID or utility bills.Not only is approval instant and very quick for the most parts, some cards also lets you use them immediately after you are approved even though you may not have received your physical card yet. For example, both the Super+ Card and Extra Card give you virtual cards which you can add to your digital wallet immediately after you are approved so you can use it immediately.
But there are other cards like Opensky Plus Secured Visa that will approve you immediately but you can only use the card once you have received it physically in the mail.
Approval Requirements - How Easy Is It To Get Approved?
Because guaranteed approval credit cards do not perform any credit checks, approval is really easy as long as you meet the criteria required by the credit cared issuers. Below is a summary of the different requirements:- Funding of Security Deposit - Some secured credit cards merely require you to fund your security deposit and your card will then be shipped to you.
- Open New Bank Account and Set Up Direct Deposit - Many new FinTech secured credit cards have such requirements. It is a little more hassle though they tend to offer perks like getting your paycheck two days earlier.
- Linking of Checking Account - Many credit cards that do not perform any credit checks will approve you if you link your bank account and you have a consistent positive balance. This is very often done via PLAID, a third party which specializes in linking credit accounts with banks. In fact, I expect more cards to go this route in the future because it gives a much more accurate picture on one's cash flow than any credit report can.
What Credit Limits and APR Can I expect from Credit Cards that Guarantee Approval?
Many people would be surprised to learn that credit cards with easy and guaranteed approval have pretty high credit limits. You can get credit limits ranging from $1,000, $2,000, $3,000 and even up to $5,000 or more. Some of the secured credit cards recommended here have very low security deposit limits (as low as $100) that allow those of you who are tight on cash to start your rebuilding effortsSome cards will give you credit limits based on your linked account positive balance and in theory, the credit limit is unlimited.
As far as APR is concerned, most cards offer APRs that are similar to credit cards targeting those with bad credit. Some cards require you to pay in full and so do not have any APR.
How to Use Guaranteed Credit Cards to Improve Your Credit Score?
Rebuilding your credit score is the same regardless of the credit tool you use. The basics involve:- Paying Your Bills On time and in Full - Paying your bills on time and in full is crucial for rebuilders. Late payment may result in late fees and drops in your credit score. According to the credit bureaus, on-time payment makes up 35% of your credit score.
- Keep Your Credit Utilization Below 30% - Credit Bureaus recommend that you keep your credit utilization score at 30% or below. That means for example if you have a $1,000 credit limit, do not spend more than $300 on your card. Keeping a low credit utilization score will show that you know how to manage credit responsibly.
- Do Not Get Into More Debt - If you already have a lot of credit card debt (perhaps in collections), it is critical that you do not get into any more debt. That is why we recommend cards like the Extra Debit Card or the Super+ Card because they require you to pay in full and there is no way you can get into further debt.
- Deal with Your Collections - If you have any accounts in collections, deal with it. Either negotiate a payment plan or settle it at a reduce amount if you can. Collections that do unresolved will really hold back your credit score even if you pay your open accounts on time.
To Sum Up: Credit Cards That Guarantee Approval Are Easy To Get and Some Can Be Used Instantly
To recap, guaranteed approval credit cards are really easy to get approved for. Though no approval can be 100% guaranteed, the requirements of these cards are very easy to meet. Whether it is simply to fund a security deposit on a secured credit card, linking your bank account or opening a bank account with the issuer and setting up a direct deposit, the credit cards recommended on this page are easy to get approved and will not impact your credit score because of hard inquiries. Furthermore, some will give you immediate access to a virtual credit card so you get use the card instantly after you are approved.
[openfaqsection] [label]What's a guaranteed approval credit card?[/label]
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 or if you meet certain very easy requirements. For example, some of the secured credit cards listed on this page will approve and you would be able to use the card as long as you fund your security deposit. Other secured credit cards may require you to get a credit builder loan first (like Self Secured Visa) or get a mobile bank account and set up a direct deposit first (like Go2Bank Secured Visa).
All prepaid credit cards can also be considered guaranteed approval credit cards because they do not perform any credit checks. The Extra Debit Card is on our recommended list and is one of the very rare debit cards that actually report to credit bureaus and helps you to rebuild your credit.
Unsecured credit cards that guarantee approval are very rare and most are actually store credit cards.
[label]What are the easiest credit cards to get approved for?[/label] All the recommended cards on this page are easy to get approved. But we want to highlight two with the highest approval rates. The Extra Debit Card has a 99% approval rate. Those who are not approved are mostly declined because their identity could not be verified by Extra. The other very easy approval guaranteed credit card is the Opensky Plus Secured Visa Credit Card, which has a 88% approval rate.
[label]Can I get declined for any of these credit cards on this page?[/label]
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.
[label]Are there guaranteed approval credit cards with $1,000 limits with no deposit?[/label]
Yes there are. For example, the Unique Platinum gives you a starting credit limit of $1,000. Buy on Trust Lending will give you a credit limit of up to $5,000. 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.
[label]Are there guaranteed approval credit cards with $10,000 limits?[/label]
Yes, there are and they are primarily secured credit cards with high limits starting from $10,000 to as high as $100,000.
[label]Are the recommended cards on this page instant approval credit cards?[/label]
I guses you can consider them instant approval because you would be approved almost instantly or rather immediately after you submit your application. But please do not confuse instant approval with instant use. Take the Opensky secured credit card for example. You would be approved instantly once you submitted the application. If you paid your security deposit during the application process, you still have to wait for that before they will send your card to you. Only after receiving the card can you start to use it.
[label]Can I get a credit card with 500 credit score?[/label]
All the cards on this page will approve you even if your score is 500 or below.
[label]What is the best guaranteed approval credit cards for bad credit with no deposit?[/label] I would say that the honor has to go to the Extra Debit Card because it has a 99% approval rate and you will be approved as long as you link your bank account to Extra (via Plaid) and you have positive balance.
[label]How to get a guaranteed credit card approval with high limits?[/label] As we have shown by our recommendations above, you can get high credit limits for credit cards that have easy and in many cases guaranteed approval. For example, you can get a high limit with guaranteed approval secured credit cards by simply depositing a large amount for your credit limit. For cards that give you credit limits based on your linked bank account, a large positive balance will ensure that you would have a high credit limit.
[/openfaqsection]
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 or if you meet certain very easy requirements. For example, some of the secured credit cards listed on this page will approve and you would be able to use the card as long as you fund your security deposit. Other secured credit cards may require you to get a credit builder loan first (like Self Secured Visa) or get a mobile bank account and set up a direct deposit first (like Go2Bank Secured Visa).
All prepaid credit cards can also be considered guaranteed approval credit cards because they do not perform any credit checks. The Extra Debit Card is on our recommended list and is one of the very rare debit cards that actually report to credit bureaus and helps you to rebuild your credit.
Unsecured credit cards that guarantee approval are very rare and most are actually store credit cards.
[label]What are the easiest credit cards to get approved for?[/label] All the recommended cards on this page are easy to get approved. But we want to highlight two with the highest approval rates. The Extra Debit Card has a 99% approval rate. Those who are not approved are mostly declined because their identity could not be verified by Extra. The other very easy approval guaranteed credit card is the Opensky Plus Secured Visa Credit Card, which has a 88% approval rate.
[label]Can I get declined for any of these credit cards on this page?[/label]
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.
[label]Are there guaranteed approval credit cards with $1,000 limits with no deposit?[/label]
Yes there are. For example, the Unique Platinum gives you a starting credit limit of $1,000. Buy on Trust Lending will give you a credit limit of up to $5,000. 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.
[label]Are there guaranteed approval credit cards with $10,000 limits?[/label]
Yes, there are and they are primarily secured credit cards with high limits starting from $10,000 to as high as $100,000.
[label]Are the recommended cards on this page instant approval credit cards?[/label]
I guses you can consider them instant approval because you would be approved almost instantly or rather immediately after you submit your application. But please do not confuse instant approval with instant use. Take the Opensky secured credit card for example. You would be approved instantly once you submitted the application. If you paid your security deposit during the application process, you still have to wait for that before they will send your card to you. Only after receiving the card can you start to use it.
[label]Can I get a credit card with 500 credit score?[/label]
All the cards on this page will approve you even if your score is 500 or below.
[label]What is the best guaranteed approval credit cards for bad credit with no deposit?[/label] I would say that the honor has to go to the Extra Debit Card because it has a 99% approval rate and you will be approved as long as you link your bank account to Extra (via Plaid) and you have positive balance.
[label]How to get a guaranteed credit card approval with high limits?[/label] As we have shown by our recommendations above, you can get high credit limits for credit cards that have easy and in many cases guaranteed approval. For example, you can get a high limit with guaranteed approval secured credit cards by simply depositing a large amount for your credit limit. For cards that give you credit limits based on your linked bank account, a large positive balance will ensure that you would have a high credit limit.
[/openfaqsection]
This list of guaranteed approval credit cards is independently curated by Ask Mr Credit Card Inc.