Guaranteed Approval Credit Cards
WalletHub makes it easy to find the best guaranteed approval credit card for you.
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- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
- INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
- Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- See More Details & Reviews About TheDiscover it® Secured

- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
- See More Details & Reviews About TheCapital One® Secured Mastercard®

- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card

- The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
- Use your card anywhere Mastercard® is accepted — worldwide.
- A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
- Get help staying on track with Auto Pay and account alerts.
- With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
- Manage your account 24/7 online, by phone, or in our mobile app.
- The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi's discretion
- See More Details & Reviews About TheCiti® Secured Mastercard®

- Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- See additional Green Dot primor® Visa® Classic Secured Credit Card details
- See More Details & Reviews About TheGreen Dot primor® Visa® Classic Secured Credit Card

- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- See More Details & Reviews About TheApplied Bank® Secured Visa® Gold Preferred® Credit Card

- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See More Details & Reviews About TheFirst Progress Platinum Elite Mastercard® Secured Credit Card

- Good credit or bank account not required
- Your application will not impact your credit score
- Initial security deposit can be as low as $200
- Raise your credit score with responsible card use
- See additional Green Dot Visa® Secured Credit Card details
- See More Details & Reviews About TheGreen Dot Visa® Secured Credit Card

- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See More Details & Reviews About TheFirst Progress Platinum Select Mastercard® Secured Credit Card

- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See More Details & Reviews About TheFirst Progress Platinum Prestige Mastercard® Secured Credit Card
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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:
2019’s Best “Guaranteed Approval” Credit Cards
Card Name | One-Time Fee | Annual Fee | Minimum Deposit |
First Progress Platinum Select Mastercard® Secured Credit Card | None | $39 | $200 |
OpenSky® Secured Visa® Credit Card | None | $35 | $200 |
First National Bank of Omaha Secured Visa® Card | None | None | $300 |
Green Dot primor® Visa® Classic Secured Credit Card | None | $39 | $200 |
OneUnited Bank Unity Secured Credit Card | None | $39 | $250 |
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.
Questions & Answers
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Featured Credit Cards
Ask the Experts
- 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?
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Brigitte C. Madrian
Professor, Harvard Kennedy School
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Lorna Saboe-Wounded Head
Family Resource Management Field Specialist at South Dakota State University
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Bennie D. Waller
Professor of Finance & Real Estate at Longwood University
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JP Krahel
Associate Professor of Accounting, Sellinger School of Business and Management, Loyola University Maryland
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Jeanette M. Landin
Assistant Professor at Landmark College
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A. Can Inci
Professor of Finance at Bryant University - College of Business
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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.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.