Best Guaranteed Approval Credit Cards

Guaranteed approval credit cards with $10,000 limits for bad credit don’t really exist. A secured credit card that allows you to place a very sizable deposit is the closest thing you’ll find. But your spending limit equals the amount of your deposit, so it won’t help you buy something that you can’t already afford in cash.

There are a couple of important reasons why guaranteed approval credit cards with $10,000 limits for bad credit are not available. For starters, no credit card offers 100% guaranteed approval. There’s always some sort of minimum eligibility requirement that you must meet. That’s even true with secured credit cards.

Furthermore, credit cards for people with bad credit tend to have spending limits that are far below $10,000. Most unsecured cards for bad credit give you a starting limit of around $300, and fees eat into a lot of that early on. So, if you have bad credit, you’re not going to find a credit card capable of financing a big-ticket purchase.

At the end of the day, getting a credit card with a specific spending limit should not be your top priority when you have bad credit. You’re unlikely to get an unsecured card with a $10,000 limit until you have excellent credit. So, rebuilding your credit as inexpensively as possible is the best approach in the long run. Above all else, that means getting approved for a credit card as quickly as possible and paying your bill on time every month.

To help point you in the right direction, WalletHub’s editors compared dozens of credit cards for bad credit and picked their favorites.

• Harley-Davidson® Secured Credit Card: $300 - $5,000 limit (same as deposit amount)
• First National Bank of Omaha Secured Visa® Card: $300 - $5,000 limit (same as deposit amount)
• OpenSky® Secured Visa® Credit Card: $200 - $3,000 limit (same as deposit amount)
• The First Progress Platinum Elite Mastercard® Secured Credit Card: $200 - $2,000 limit (same as deposit amount)

These offers are among WalletHub’s picks for the best secured credit cards. They all can make shopping more convenient. And as long as you pay your monthly bills on time, they’ll help you improve your credit score. If you’d like some tips for how to speed up the credit-rebuilding process, you can get personalized credit-improvement advice by signing up for a free WalletHub account.

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.

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.

If you need a credit card today, you should apply for an American Express card, Capital One card and some store cards that offer instant use. While it’s pretty common to get approved for a credit card the same day if you apply online, you’ll still usually have to wait another 7-10 business days before your card comes to use it.

All American Express cards give you the potential for an instant card number after approval, which will give you access to part of your credit line until your card arrives. Capital One cards also provide instant use through the Capital One app, but that’s only possible if you’re an existing Capital One cardholder. Store cards, such as the Target Credit Card, may give you an instant number or code to use as a temporary version of your card.

Here are some of the best credit cards you can get today:

• Bad credit – Capital One Platinum Secured Credit Card: Requires a minimum security deposit of $49, $99 or $200. Your credit line will always be at least $200. No rewards. $0 annual fee. Must be an existing Capital One customer to see your card information through the app.
• Limited credit – Capital One QuicksilverOne Cash Rewards Credit Card: Unlimited 1.5 - 5% cash back on all purchases. $39 annual fee. Must be an existing Capital One customer to see your card information through the app.
• Fair credit – Target Credit Card: 5% discount at Target and Target.com. 30 extra days on returns. Free -day shipping. $0 annual fee. Gives a temporary number after approval to use until your card comes.
• Good credit (miles) – Capital One Venture Rewards Credit Card: 75,000 miles for spending $4,000 in the first 3 months. Unlimited 5 miles per $1 spent on hotels and rental cars booked through Capital One Travel, and 2 miles per $1 on all other purchases. $95 annual fee. Must be an existing Capital One customer to see your card information through the app.
• Good credit (cash back) – Capital One Quicksilver Cash Rewards Credit Card: $200 bonus when you spend $500 in the first 3 months. Unlimited 1.5 - 5% cash back on all purchases. $0 annual fee. Must be an existing Capital One customer to see your card information through the app.
• Good credit (cash back) – Blue Cash Everyday® Card from American Express: $200 statement credit for spending $2,000 in the first 6 months . 3% cash back at U.S. supermarkets (up to $6,000 spent per year), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on all other purchases, earned as statement credits . $0 annual fee.
• Excellent credit – Costco Anywhere Visa® Card by Citi: 1 - 4% cash back, depending on the type of purchase. $0 annual fee but must be a Costco member. Gives a temporary code to scan at checkout until the actual card arrives.

While there’s no guarantee these options will get you a credit card today, they’ll certainly give you your best chance. Don’t forget that if you get approved for a Capital One card you’ll need to both already have another Capital One card open and have downloaded the app. Unfortunately, this option isn’t available to every Capital One customer, but Capital One doesn’t disclose who is eligible for instant card information. In the same way, all Amex cards give the potential for instant numbers, but aren’t guaranteed to give you one.

And if you’re interested in a store card, make sure to ask if they offer instant use first. Lastly, when your physical card arrives by mail in 7-10 business days, be sure to activate it right away.

There is no way to get guaranteed credit card approval with a high limit. That’s because no credit card issuer guarantees approval – they make a decision based upon your credit, income, debt load and many other factors. In addition, credit cards with the highest starting limits require good credit (score of 700+) or excellent credit (score of 750+). So only people with a long history of responsibility can get them.

Your best chance for nearly guaranteed approval and a high limit is with a secured card. Secured cards require a security deposit, and they’re the easiest type of credit card to get. Unless you have no income or a currently pending bankruptcy, your odds of rejection are very low. On secured cards, your credit limit is equal to your deposit. So the more you deposit, the higher your credit limit becomes. Issuers tend to set upper limits, but if you have a lot of cash on hand, there are several cards that allow users to deposit quite a bit. Your deposit is refundable once you pay any balance owed and close the account.

If you happen to have good or excellent credit history, make sure to take a look at WalletHub’s picks for the best high limit credit cards overall.

Your chances for a $5,000 limit credit card with guaranteed approval are higher if you apply for a secured credit card that allows you to deposit $5,000. The deposit usually acts as your spending limit, which prevents you from spending more than you can afford to repay. Secured cards aren’t completely guaranteed-approval, but that’s the closest you’ll get to guaranteed.

Some secured credit cards that allow a $5,000 deposit is the First National Bank of Omaha Secured Visa® Card, the OakStone Secured Mastercard® Platinum Credit Card and the Harley-Davidson® Secured Credit Card.

There are no guaranteed approval credit cards with $10,000 limits because there are no guaranteed approval credit cards. You can, however, get nearly-guaranteed approval with a secured credit card - and the credit limit is your choice, because the deposit you put down becomes your credit limit. Some secured credit cards have upper limits on deposits - for example, the Merrick Bank Secured Card’s maximum deposit limit is $3,000, and the Capital One Platinum Secured  card’s maximum is $1,000. But others, like the Secured Sable ONE Credit Card, have a maximum deposit limit of $10,000.

If you’re looking for an easy-approval, high-limit unsecured credit card, those are hard to come by. Most credit cards with limits of $10,000 or more require at least good credit - and usually, you’ll need excellent credit for that kind of limit. That said, credit limits aren’t decided by credit scores alone. Card issuers also look at an applicant’s annual income and credit report to assign a credit limit. So, if you have a decent annual income and excellent credit, you have a good chance of getting a $10,000 credit limit with a credit card such as Chase Sapphire Reserve.

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.

On that note, a good idea would be to first check your credit score to better assess your approval odds.

No, there aren't any guaranteed approval gas credit cards. No credit card company can guarantee approval for every single person who applies for one of its cards, as there are always some minimum standards to meet.

Most gas credit cards require fair or good credit. The lower your credit score is, the less likely you are to get approved, or you might be limited to a gas-station card that provides convenience but few other perks.

Alternatives to guaranteed approval gas cards

There are, though, some gas credit cards that are relatively easier to get, like the Bank of America Custom Cash Secured Card that offers 3% cash back in the category of your choice, including gas. It has a $0 annual fee and you can get it with bad credit.

Another choice could be the Credit One Bank® Platinum Visa® for Rebuilding Credit that gives 1% cash back rewards on gas purchases, among other things. It has an annual fee of $75 intro 1st yr, $99 after and you can get it with bad credit.

What you should know before applying

However, it's best to check your credit score in advance and then apply for a gas card in your credit range. This way you can maximize your approval odds. Aside from your credit score, other factors, such as your income and existing debt will be taken into consideration.

One of the easiest credit cards to get with fair credit is the Petal® 1 Visa® Credit Card. This credit card is available to people with limited credit or better, reports monthly to the three main credit bureaus, and gives cardholders 2% to 10% cash back on purchases from select merchants. It also has a $0 annual fee. And if you’re lucky, you may even get approved for the Petal® 2 Visa® Credit Card instead, since you’ll be considered for both cards when you apply.

In general, the easiest type of credit card to get is a secured card or an unsecured card for bad credit. There are plenty of credit cards that require fair credit at a minimum, but if easy approval is what you’re after, you’ll want to exceed the card’s requirements rather than just meeting them. Checking for pre-approval will give you a good idea of which credit cards will be easiest to get with your fair credit score.

Easy Credit Cards to Get With Fair Credit

• Best Overall: Petal® 1 Visa® Credit Card
• Best for Rewards: Capital One QuicksilverOne Cash Rewards Credit Card
• Best for No Annual Fee: Capital One Platinum Credit Card
• Best for a Low Deposit: Capital One Platinum Secured Credit Card
• Best for No Credit Check: OpenSky® Secured Visa® Credit Card

It’s not hard to find easy credit cards to get with fair credit – even ones with rewards. But it is hard to find worthwhile 0% intro APRs on cards for fair credit. So it’s probably best to pay off your balance in full each month. And if you consistently pay on time, you should see your credit score start moving up toward the good credit range.

Yes, you can be denied for a secured card if you have major negative items on your credit report such as an ongoing or recently discharged bankruptcy, collection accounts, or repossessions. You could also be denied if you don’t meet the issuer’s minimum requirements for approval. Those requirements typically include being at least 18 years old with a physical U.S. address, a Social Security number, and the ability to make payments on the account every month, among others.

Other common reasons you’d be denied for a secured card might be incomplete or inaccurate information on your application, not enough funds to cover the required security deposit, or delinquencies on other payment obligations. If you are denied for a secured credit card, consider applying for one of our editors’ picks for the best no credit check credit cards, which are easier to get approved for than normal secured cards. You can also sign up for a WalletHub account and get free personalized credit analysis and advice on how to improve your credit score.