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Best Guaranteed Approval Credit Cards
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Secured Sable ONE Credit Card Secured Sable ONE Credit Card

- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable Double Cash Bonus.
- Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
- No membership fees
- High rewards rate
- Low regular APR
- Qualify with limited or no credit history
- No rewards bonus
- Foreign fee
- Requires security deposit
- Auto-review to unsecured card in as FAST as 4 months, 3X faster than anywhere else with Sable’s graduation promise.
- Up to $10,000 credit limit
- No credit check or US credit history required.
- No SSN required for non US citizens.
- Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.
- Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens!), rental car insurance, and much more!
- Please see terms and conditions for additional details.
- See More Details & Reviews About TheSecured Sable ONE Credit Card
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
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with our mobile app
- See More Details & Reviews About TheCapital One Platinum Secured Credit Card
Discover it® Secured Credit Card Discover it® Secured Credit Card
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- 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
- No credit score required to apply.*
- No Annual Fee, earn cash back, and build your credit with responsible use.
- Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
- Establish your credit line with your tax return by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.*
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® Secured Credit Card
First Progress Platinum Prestige Mastercard® Secured Credit Card First Progress Platinum Prestige Mastercard® Secured Credit Card

- Low regular APR
- Qualify with limited or no credit history
- Membership fees
- No rewards
- No rewards bonus
- Foreign fee
- 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; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- 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; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- See More Details & Reviews About TheFirst Progress Platinum Prestige Mastercard® Secured Credit Card
OpenSky® Secured Visa® Credit Card OpenSky® Secured Visa® Credit Card

- Reasonable $35 annual fee
- $200 minimum deposit
- 3% foreign transaction fee
- No credit check to apply and find out instantly if you are approved.
- OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
- Get considered for a credit line increase after 6 months, with no additional deposit required
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- * View the cardholder agreement
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
The First Progress Platinum Elite Mastercard® Secured Credit Card The First Progress Platinum Elite Mastercard® Secured Credit Card

- Low membership fees
- Qualify with limited or no credit history
- No rewards
- No rewards bonus
- High Regular APR
- Foreign fee
- 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; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- 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; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- See More Details & Reviews About The First Progress Platinum Elite Mastercard® Secured Credit Card
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
- No rewards
- No rewards bonus
- Foreign fee
- 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
Capital One Quicksilver Secured Cash Rewards Credit Card Capital One Quicksilver Secured Cash Rewards Credit Card

- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
- High interest rate
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- See More Details & Reviews About TheCapital One Quicksilver Secured Cash Rewards Credit Card
PCB Secured Visa® Credit Card PCB Secured Visa® Credit Card
- Qualify with limited or no credit history
- Membership fees
- No rewards
- No rewards bonus
- High Regular APR
- Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
- A minimum collateral deposit of $200 is required to open this account.
- After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
- This card is perfect for people new to credit as well as people looking to rebuild their credit.
- Reports monthly to all three major credit bureaus.
- Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
- 24/7 online account center.
- This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
- See Rates, Fees, Costs and Limitations for additional details
- See More Details & Reviews About ThePCB Secured Visa® Credit Card
OakStone Secured Mastercard® Gold Credit Card OakStone Secured Mastercard® Gold Credit Card

- Credit lines available from $200 to $5,000! Low 14.24% variable 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!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- 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.
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- See website for additional Oakstone Gold Secured Mastercard® details
- See More Details & Reviews About TheOakStone Secured Mastercard® Gold Credit Card
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 Compared:
Credit Card | Annual Fee | Minimum Deposit |
The 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.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Guaranteed Approval Credit Cards FAQ
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