Below is a list of guaranteed approval credit cards for those with poor credit and and bad adverse credit scores. Acceptance of your application is mostly assured because there is no hard inquiry and the requirements to be approved are relatively easy (eg security deposit for a secured Visa card, some minimum income or simply having a debit card) even if you have very low credit scores. Credit limits range from $1000 to $5000 and are quite generous. Show Show More Filter ByView:  Extra Card The Extra Card is one of the rare debit card that reports to Equifax and Experian and allows you to rebuild your credit. Your credit limit is set by your bank account. There are no credit checks and approval is as the issuer puts it 99%. Reports to Equifax and Experian Self -Credit Builder Account + Secured Visa® Credit Card $0 $0 $0 23.24%*V Min $100 Self allows those who need to save up for a security deposit and start a credit builder account. You can seamlessly transition to a secured card once you have saved enough for your security deposit. Allows you to save while you build credit and fund security deposit Great for those who need to save for a security deposit OpenSky® Secured Visa® Credit Card $35 $0 $0 20.39%*Variable $200 to $3,000 Our Take : One of the rare cards that does not do any credit checks. That means you are guaranteed to be approved even if you have old charge offs, collections still on your report. It has a reasonable annual fee and rates. Great for those with either no credit or poor credit and does not want another hard pull on their report. Tip : The easiest way to fund your security deposit is through a bank debit card and you will receive your card faster. Have your debit card details ready when you apply. If you have no bank account, you could choose to fund later and use Western Union, money order or wire transfer. Though there is no credit checks, you will be asked to provide your income and your monthly housing payment info during the application process. No checking account needed Reasonable fees and rates Deposit does not earn interest Does not graduate to unsecured First Progress Platinum Prestige Mastercard® Secured Credit Card $49 $0 $0 12.99%*V $200 - $2,000 The First Progress Platinum Prestige Mastercard is a rare credit card with the lowest ongoing APR at 12.99%. This is especially rare in a secured credit card. As it has no credit checks, it is ideal for rebuilders who need to carry an occasional balance. First Progress Platinum Select Mastercard $39 $0 $0 16.99%*V $200 - $2,000 The First Progress Platinum Select Mastercard is one of three secured credit cards from First Progress. It has a reasonable annual fee and APR is is ideal for rebuilders who want a card that will approve them with no hard inquiries or credit checks. Can get card before you fund it. Do not need checking account to fund your card. First Progress Platinum Elite MasterCard® Secured Credit Card
$29 $0 $0 22.99%*V $200 to $2,000 Our Take: Because this secured credit card has no minimum required credit score, you are very likely to be approved even if you have been recently denied by other credit cards. Does not graduate to unsecured credit card Buy On Trust Lending $0 $0 $0 Varies Up to $5,000 Buy On Trust Lending provides lease to own electronics which can be picked up at your nearest Best Buy Store. Those with no credit or bad credit can apply and get approved if you have regular income and a checking account. Up to $5,000 credit limit Reports to 3 major credit bureaus Purchases fulfilled by Best Buy No Credit or Bad Credit OK Accepted Platinum Accepted Platinum gives you a $1,000 credit line which you can use at www.myuniqueoutlet.com. There are no credit checks and you will definitely be approved. $1,000 unsecured credit line Roadside Assistance, RX Discounts, Free Legal Services, Unique Rewards Can only be used at www.myuniqueoutlet.com $14.95 monthly membership fee. Net First Platinum $0 $0 $14.77 0% $750 Limit Our Take: Net First Platinum is issued by Horizon Card Services and is a catalog card that allows you to shop at thehorizonoutlet.com. They do not do any credit checks so approval is guaranteed. The APR is also 0% on all your purchases. No employment or credit check Freedom Gold Card Our Take: The Freedom Gold Card is great for those who do not want a hard inquiry. There is no credit checks so approval is guaranteed if you have a valid debit card. They also have a track record of credit limit increases. Merit Platinum Merit Platinum gives you a $750 starting credit limit and is for those who have been denied all credit cards. It reports to Equifax. $750 Unsecured Credit Line Can only be used at www.thehorizonoutlet.com Unique Platinum Our Take: Those looking to rebuild their credit can consider the Unique Platinum if you are looking to increase your total credit lines. The advantage of a card like this is that there is no credit checks and hence you are almost guaranteed an approval. You are also not charged an interest for paying over time though there is a monthly membership fee. No credit checks - guaranteed approval Can only be used at their online store Reports to only one bureau Reflex MasterCard® See Terms* See Terms* See Terms* 24.99%-29.99%*V $300-$1,000 Our Take: The Reflex Mastercard is one of the best cards for those with less than perfect credit. The card has a range of fees and rates so those on the higher end of the "bad credit" spectrum may get better terms. You can check if you are pre-approved first with no impact on your credit score. Surge MasterCard® See Terms* See Terms* See Terms* 24.99%-29.99%*V $300-$1,000 Our Take: Surge Mastercard has fees and rates that come in a range so that those who are in the higher end of the "bad credit" spectrum can get better terms and those on the lower end have a better than of approval. You can see if you pre-qualify without any impact on your credit score. Reports to 3 Credit Bureaus Destiny Mastercard $59 - $99 $0 $0 24.9%*V $300 The Destiny Mastercard has very reasonable annual fee and allows you to check if you prequalify first without any impact on your credit score.
Our Current Best Recommendations for 2022 Below is a list of our recommended credit cards and debit cards that guarantee approval with very minimal requirements that do not require a hard inquiry.
Who is this card for? - The Extra Card is a debit card that is for the rebuilder who has a checking account and does not need or want a credit line and get into more debt (which is impossible with a debit card). It is ideal as a rebuilder who wants to rebuild his/her credit without any risk of getting into more debt. Those with other card with low credit limit can also make use of this card as a tool to charge all your expenses. Requirements - All you need is a checking account. Why We Like This Card? - We like this card because being a Mastercard Debit Card, you can use it anywhere Mastercard is accepted. Furthermore, as the Extra Card is one of the extremely rare debit cards that report to credit bureaus, you can rebuild your credit without getting into more debt. The $7 monthly fee is also very reasonable. Cardholders Comments - Here are a couple of cardholder comments on the Extra Card. Self Secured Visa
Who is this card for? - The Self Secured Visa is ideal for those who want to rebuild with a secured credit card but do not have the funds for the security deposit. As a credit builder card, Self allows you to deposit a fixed amount into your Self account every month until you meet your security deposit target. Once that is achieved, you will get your secured credit card. Requirements - No credit checks. You simply need to make your payments to fund your security deposit. Why we like this card? - We like the Self Secured Visa because it allows those of you who are strapped for cash to slowly build up savings by starting a "credit builder account" with them. While you build up your savings via a monthly deposit, you build up your credit as well because they are reported to the credit bureaus. Self also does not check your credit so you will definitely be approved. Cardholders Comments - Here are a couple of cardholder comments on the Extra Card. I’ve had them for 1.5 years and currently have a secured card for $1850 through them. They have absolutely raised my score and updated all positive history. Annual Fee: $0 Read our Self Secured Visa Opensky Credit Card
Who is this card for? - The Opensky Secured Visa Credit Card is for rebuilders who want to rebuild their credit using secured credit cards and have been denied for other secured credit cards (you may be surprised that this happens more often than you think). It is also for rebuilders who only have Western Union or Moneygram because Opensky allows you to fund your security deposit via Moneygram or Western Union. The minimum security deposit requirement is low at $200 (which is refundable when you close the card) is very affordable to start your rebuilding process. Requirements - Approved if you fund your security deposit. Why We Like This Card? - We like Opensky because it is one of the best known and reputable secured credit card in the rebuilder world. Lots of people recommend this card because it has been around long enough and is very reliable in their credit bureau reporting. Their $35 annual fee is also very reasonable considering that they will guarantee your approval as long as you fund your security deposit. Annual Fee - $35 Read our review of the Opensky Secured Visa
Who is this card for? - The First Progress Select Mastercard is for those looking for a secured credit with a reasonable annual fee and APR. It is ideal for rebuilders with very low credit scores or even those who have been discharged from bankruptcy and are looking for a secured credit card to rebuild without incurring any hard inquiries. As there are no credit checks, it is essentially a guaranteed approval secured credit card with a credit limit up to $2,000. Requirements - No credit checks. Acceptance is assured as long as you fund your security deposit (which sets your credit limit). Why we like this card? - We like the First Progress Select Mastercard because there is no credit checks and you will definitely be approved as long as you fund your security deposit. Both the annual fee and APR are reasonable and you will be able to check your Vantage score from Experian every month for free. Annual Fee - $39 Read our review of the First Progress Platinum Select Mastercard. Buy On Trust Lending
Who is this card for? - The Buy On Trust Lending is an electronic store on the web where you can make purchases and get them picked up at your nearest Best Buy store. Buy on Trust reports to all three major credit bureaus and does not perform any credit checks or hard inquiry. They are ideal for rebuilders who would like to get their electronics on a "lease to buy" basis and rebuild their credit at the same time, who want to avoid a hard inquiry and also a credit instrument that can get them up to $5,000 in credit limits. Requirements - You need a monthly income of at least $1,000 for 3 months from the same source/employer and also a checking account with no NSF issues. There are no credit checks performed. Why we like this card? - We like Buy On Trust because not you can buy any electronics that is available at Best Buy Stores and is one of the very rare lease to buy electronics store tht actually reports to credit bureaus. There is also no credit checks (no hard inquries) which will be greatly appreciated by those who cannot afford another hard inquiry on their credit report. Instead, the requirements are that you need to show you have 3 months of income of at least $1,000 from the same source and a checking account with no overdraft or NSF. It is ideal if your income is direct deposited into your bank account. If you meed these requirement, then your approval is almost assured and guaranteed and your credit limit can max out at $5,000. Annual Fee: $0 Read our Review of Buy on Trust Lending Unique Platinum
Who is this card for? - The Unique Platinum is a guaranteed approval credit card with a $1,000 credit limit without no security depositrewquired that is ideal for those who have been constantly rejected and denied for other rebuilder credit cards and are looking for a credit line with a decent limit and no credit checks. People who have really bad credit scores in the low 500s or even 400 can get approved. Requirements - Requires you to have a debit card. There are no credit checks and approval is guaranteed as long you have a debit card. Why we like this card? - We like the Unique Platinum because you can get a starting credit limit of $1,000 which you can use at www.myuniqueoutlet.com. Unique Platinum also reports to TransUnion and you also get benefits like Roadside Assistance and Legal Assistance as part of their membership benefits. Annual Fee: $0 Read our Review of the Unique Platinum FREQUENTLY ASKED QUESTIONSWhat's a guaranteed approval credit card? What's a guaranteed approval credit card? A guaranteed approval credit card is one which does not perform any credit checks and you will definitely be approved as long as the information on your application form is correct or if you meet certain very easy requirements. For example, the secured credit cards listed on this page will approve you as long as you fund your security deposit. Can I get declined for any of these credit cards on this page? Can I get declined for any of these credit cards on this page? As long as you fill in your application correctly (no wrong addresses for example), you should
be approved. In the case of the secured credit cards listed on this page, you will be approved but will only get your card once you have deposited your security deposit. Are there guaranteed approval credit cards with $1,000 limits with no deposit? Are there guaranteed approval credit cards with $1,000 limits with no deposit? Yes there are. For example, the Unique Platinum gives you a starting credit limit of $1,000. Buy on
Trust Lending will give you a credit limit of up to $5,000. Secured credit cards allow you to set your own credit limit based on your deposit and you can deposit $1,000 if you have some spare cash. Are there guaranteed approval credit cards with $10,000 limits? Are there guaranteed approval credit cards with $10,000 limits? No there isn't. But what you can do is to combine a few of these credit cards on these page and cumulatively, you could get a credit limit approaching $10,000. Can I get a credit card with 500 credit score? Can I get a credit card with 500 credit score? All the cards on this page will approve you even if your score is 500 or below. This list of guaranteed approval credit cards is independently curated by Ask Mr Credit Card Inc. Can I get a credit card with a $10000 limit?A tier above Visa Signature are Visa Infinite cards like the Chase Sapphire Reserve®. These cards offer a starting credit limit of $10,000, according to its terms and conditions.
What credit score is needed for a $10000 credit limit?The minimum credit limit is $10,000, so approved applicants start out with at least that amount. It's one of the best travel cards on the market and you need excellent credit (a credit score of 750+) for good odds of approval.
What credit card will approve you no matter what?The easiest credit cards to get approved for with no credit or bad credit are secured credit cards. These cards have annual fees as low as $0 and report monthly to the 3 major credit bureaus.
What credit cards do not require a deposit?Unsecured Cards For Bad Credit With No Deposit Required. PREMIER Bankcard® Mastercard® Credit Card. 4.8 /5.0 Stars. ... . PREMIER Bankcard® Grey Credit Card. 4.8 /5.0 Stars. ... . Surge Mastercard® 4.7 /5.0 Stars. ... . Reflex Mastercard® 4.6 /5.0 Stars. ... . Indigo® Mastercard® Credit Card. ... . Total Visa® Card. ... . Merrick Bank Double Your Line® Mastercard®. |
Guaranteed approval credit cards with $10000 limits for bad credit no deposit
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