Which unsecured credit cards have guaranteed approval?

Question

The best guaranteed approval unsecured credit card for bad credit is the Fingerhut Credit Account, because it has a $0 annual fee, fast application process and a 90% approval rate. There is no credit card with absolutely guaranteed approval. But some unsecured cards, like the Fingerhut Credit Account, give you high odds of approval.

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The problem with many unsecured credit cards for bad credit is they tend to be expensive. Many have annual fees and some have one-time fees or monthly fees, too. That’s on top of a high APR.

Best Unsecured Credit Cards for Bad Credit with High Approval Rates in 2022

Best Overall: Fingerhut Credit AccountFingerhut Credit AccountLearn MoreLearn More
Best for No Deposit: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
Best for No Upfront Fee: Indigo® Mastercard® for Less than Perfect CreditIndigo® Mastercard® for Less than Perfect CreditLearn MoreLearn Moreon issuer's website
High Approval Odds: Total Visa® CardTotal Visa® CardLearn MoreLearn Moreon issuer's website
High Rewards: Aspire® Credit CardAspire® Credit CardLearn MoreLearn More
High Credit Limit: Surge® Platinum Mastercard®Surge® Platinum Mastercard®Learn MoreLearn Moreon issuer's website

Overall, the closest you can get to guaranteed approval for a credit card is with secured credit cards, which require an up-front security deposit. Secured cards aren’t going to provide an emergency loan, but they do help rebuild credit.

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Answer 1 · 2022-09-16 14:32:31

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Maria Adams, Credit Cards Moderator

@m_adams • 09/16/22 This answer was first published on 09/13/21 and it was last updated on 09/16/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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There are no unsecured credit cards that have guaranteed approval. There are, though, some unsecured credit cards that offer reasonable approval odds even if you have bad credit.

A good example would be the Fingerhut Credit Account. This card has a $0 annual fee, fast application process and a 90% approval rate. There is no credit card with absolutely guaranteed approval. But some unsecured cards, like the Fingerhut Credit Account, give you high odds of approval.

Best Unsecured Credit Cards with High Approval Odds in 2022

Best Overall: Fingerhut Credit AccountFingerhut Credit AccountLearn MoreLearn More
Best for Bad Credit: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
Best for No Upfront Fee: Indigo® Mastercard® for Less than Perfect CreditIndigo® Mastercard® for Less than Perfect CreditLearn MoreLearn Moreon issuer's website
High Approval Odds: Total Visa® CardTotal Visa® CardLearn MoreLearn Moreon issuer's website
High Rewards: Aspire® Credit CardAspire® Credit CardLearn MoreLearn More
High Credit Limit: Surge® Platinum Mastercard®Surge® Platinum Mastercard®Learn MoreLearn Moreon issuer's website

However, it is also worth noting that unsecured credit cards for less than perfect credit generally have a low credit limit and high interest rates and fees. So, a secured credit card might be a better option.

It is also worth noting that that credit card issuers take into account various factors when considering your application, such as your credit score, income, credit history and any potential debts and liabilities you might have. So, it would be best to check your credit score to better assess your approval odds.

Which unsecured credit cards have guaranteed approval?

Maria Adams, Credit Cards Moderator

Best Unsecured Credit Cards with High Approval Odds in 2022

Secured Sable ONE Credit Card

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