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Best Guaranteed Approval Credit Cards
WalletHub makes it easy to find the best guaranteed approval credit card for you.
Guaranteed credit card approval is a myth. No credit card offers 100% guaranteed approval, as there's always some requirement you have to meet, whether it's reaching a certain creditworthiness level, spending less than you earn each month, or simply having a Social Security number... show more... show more
Best Guaranteed Approval Credit Cards
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Capital One Platinum Secured Credit Card Capital One Platinum Secured Credit Card

- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate
Applied Bank® Secured Visa® Gold Preferred® Credit Card Applied Bank® Secured Visa® Gold Preferred® Credit Card

- Low regular APR
- Qualify with bad credit
- Membership fees
- Foreign fee
- Requires security deposit
Discover it® Secured Credit Card Discover it® Secured Credit Card

- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
- High regular APR
First Latitude Platinum Mastercard® Secured Credit Card First Latitude Platinum Mastercard® Secured Credit Card

- Qualify with limited or no credit history
- Low security deposit
- One-time fees
- High regular APR
- Foreign fee
OpenSky® Secured Visa® Credit Card OpenSky® Secured Visa® Credit Card

- Reasonable $35 annual fee
- $200 minimum deposit
- 3% foreign transaction fee
Capital One Quicksilver Secured Cash Rewards Credit Card Capital One Quicksilver Secured Cash Rewards Credit Card

- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
- High interest rate
First Progress Platinum Prestige Mastercard® Secured Credit Card First Progress Platinum Prestige Mastercard® Secured Credit Card

- Qualify with limited or no credit history
- 1% cash back on payments
- Membership fees
- Foreign fee
- Requires security deposit
First Progress Platinum Select Mastercard® Secured Credit Card First Progress Platinum Select Mastercard® Secured Credit Card

- Qualify with limited or no credit history
- Relatively low security deposit
- 1% cash back on payments
- Membership fees
- High regular APR
- Foreign fee
First Progress Platinum Elite Mastercard® Secured Credit Card First Progress Platinum Elite Mastercard® Secured Credit Card

- Low membership fees
- Qualify with limited or no credit history
- High regular APR
- Foreign fee
- Requires security deposit
OpenSky® Plus Secured Visa® Credit Card OpenSky® Plus Secured Visa® Credit Card

- No membership fees
- Qualify with limited or no credit history
- High regular APR
- Foreign fee
- Requires security deposit
WalletHub's Best Guaranteed Approval Credit Cards

With that in mind, we reached out to the major secured card issuers for additional insight into their screening policies. This helped us identify the offers with the easiest requirements to meet, which are as close as you'll get to guaranteed approval credit cards.
Here are the cards with the highest approval odds:
Best Guaranteed Approval Credit Cards Comparison
Credit Card | Annual Fee | Minimum Deposit |
First Progress Platinum Elite Mastercard® Secured Credit Card | $29 | $200 |
OpenSky® Secured Visa® Credit Card | $35 | $200 |
First National Bank of Omaha Secured Visa® Card | $0 | $300 |
OakStone Secured Mastercard® Platinum Credit Card | $49 | $200 |
Chime Credit Card | $0 | $200* |
Don't let a secured card's deposit requirement scare you off. The deposit is fully refundable, and it is the reason why secured cards are able to offer nearly guaranteed approval.
In contrast, most unsecured credit cards for people with bad credit charge expensive, non-refundable fees. They also provide very little added spending power and are much harder to get.
Why People Trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best guaranteed approval credit cards.
Guaranteed Approval Credit Cards FAQ
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. 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 the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Featured Credit Cards
Expert Opinions
- Is it possible for a credit card to truly guarantee approval?
- Why isn't credit card approval guaranteed when you have to place a security deposit?
- Should consumers trust a credit card that doesn't require a credit check and basically guarantees approval?
- Do you think consumers assume that a credit card offering an "instant approval decision" has guaranteed approval?
Peter and Molly Powell Distinguished Senior Instructor of Finance II, Lundquist College of Business, University of Oregon
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William H Kilpatrick Professor of Economics & Education, Teachers College, Columbia University
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Associate Professor of Finance, School of Business, George Mason University
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Ann C. House - MS, AFC®, Director, Financial Wellness Center, Adjunct Associate Professor, Family And Consumer Studies, The University of Utah | Jackson Lunt - Financial Counselor Peer Mentor, Family And Consumer Studies, The University of Utah
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Financial Coach, Tightwad Todd
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Ph.D., CFP®, AFC®, Undergraduate Program Director, Professor of Practice, Kansas State University, Department of Personal Financial Planning
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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