What unsecured credit cards have guaranteed approval?

The best guaranteed approval unsecured credit cards for bad credit are the Fingerhut Credit Account and the Indigo® Mastercard® for Less than Perfect Credit, because both credit cards are designed for people with bad credit and both are easy to get approved for. To be clear, there are no credit cards with absolutely guaranteed approval. But some unsecured cards, like these two, are much easier to get than others. And both will help to build credit.… read full answer

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. Notably, the Fingerhut Credit Account has a $0 annual fee and no monthly fees. But it’s not a physical credit card, and you can only use the credit line at Fingerhut’s online store. So it’s not good if you need an emergency loan.

The Indigo Mastercard (for less-than-perfect credit), on the other hand, is a real credit card. In exchange for a $300 credit limit, you’ll pay an annual fee of $0 - $99, depending on your creditworthiness. And you can check to see if you pre-qualify before you apply, so at least you’ll know your approval chances before you get a hard pull on your credit.

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.

The easiest unsecured card to get is the Fingerhut Credit Account. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer

If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.

Easiest Unsecured Credit Card to Get Approved For

• Fingerhut Credit Account: Overall
• Credit One Bank® Visa® Credit Card: Rewards
• Capital One® Spark® Classic for Business: Small Business
• Petal® 2 Visa® Credit Card: Limited Credit
• Deserve® EDU Mastercard for Students: Students

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for​.

The best instant approval store cards are the following:

• Amazon.com Store Card
• Walmart® Store Card
• Target Credit Card
• Costco Anywhere Visa® Card by Citi
• Sam's Club® Credit Card
• GAP Store Card
• American Eagle Outfitters (AEO) Store Card
• Sears Store Card
• Macy's Store Card

It really depends on what store you like most, as rewards are mainly tailored for purchases made in those stores.… read full answer

It's also important to mention that while these cards offer instant approval, they do not offer guaranteed approval.