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. You can check out our editors' latest picks for the best among them and weigh your options.
At this point, it is also worth noting that your credit limit could be low and the interest rates and fees pretty steep. So a secured credit card might be a better option.
In any case, keep in mind that any issuer would take into account various factors while considering your application, such as your income, credit history and any potential debts and liabilities you might have.
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.… 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.
Best Unsecured Credit Cards for Bad Credit with High Approval Rate
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 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.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.