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Guaranteed Approval Credit Cards

While no credit card provides 100% guaranteed approval, secured cards come pretty close. Secured credit cards are able to effectively guarantee approval because they require you to place a refundable security deposit of at least $200 which serves as your credit line, preventing you from overspending and ensuring that the issuer gets paid back if you stop making payments. As long as you place this security deposit and prove that you are a real person (i.e. by providing a valid Social Security Number), then you should have no problem getting a secured card no matter how bad your credit…show more

    Capital One® Secured MasterCard®


    capital one secured credit card
    • Secured Credit Card Min Deposit of $49, $99, or $200
    • One-Time Fees None
    • Regular Rate 24.9% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, with all the credit building benefits
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Your minimum security deposit gets you a $200 credit line
    • You may qualify for a credit line increase based on your payment history and creditworthiness—no additional deposit required
    • 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 All Reviews & Details About The Capital One® Secured MasterCard®

    Primor® Secured Visa Gold Credit Card


    primor secured gold credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 9.99%
    • Annual Fee $49
    • Monthly Fee None
    • Minimum Credit Bad

    Primor® Secured Visa Classic Credit Card


    primor credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 13.99%
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Bad

    Open SkySM Secured Visa® Credit Card


    open sky credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 17.5% (V)
    • Annual Fee $29
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Build Your Credit, with monthly updates to all 3 credit bureaus.
    • Control Your Finances, start with a security deposit and credit line as low as $200.
    • Extra Credit When You Need It, increase your credit line up to $5000.
    • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
    • Easy funding options, with 4 ways to fund and NO checking account needed.
    • After your Account is open for one year or more Capital Bank will charge you a Credit Limit Increase Fee of $25.00 each time you add Deposit Funds and increase the Credit Limit and a Credit Limit Decrease Request Fee of $25.00 each time you request a reduction in your Credit Limit.
    • Apply in less than 5 minutes.
    • See All Reviews & Details About The Open SkySM Secured Visa® Credit Card

    First Progress Platinum Select MasterCard® Secured Credit Card


    first progress secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 14.99% (V)
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See All Reviews & Details About The First Progress Platinum Select MasterCard® Secured Credit Card

    First Progress Platinum Elite MasterCard® Secured Credit Card


    platinum secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 19.99% (V)
    • Annual Fee $29
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See All Reviews & Details About The First Progress Platinum Elite MasterCard® Secured Credit Card

    First Progress Platinum Prestige MasterCard® Secured Credit Card


    first progress mastercard secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 11.99% (V)
    • Annual Fee $44
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Deposit held at FDIC-insured bank.
    • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See All Reviews & Details About The First Progress Platinum Prestige MasterCard® Secured Credit Card

    USAA Secured Credit Card


    usaa secured credit card
    • Secured Credit Card Min Deposit of $250
    • One-Time Fees None
    • Regular Rate 9.9% - 19.9% (V)
    • Annual Fee $35
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • When you apply, you'll also be opening a USAA two-year Certificate of Deposit, an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit
    • Your CD is a security deposit — the money you put in upfront, from $250 to $5,000, is the card's credit limit
    • Earn interest on your CD — your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments
    • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles with a MSRP (Manufacturer's Suggested Retail Price) of $50.00 or less when the eligible card is used to initiate and pay for the entire rental transaction
    • Zero liability coverage if your card is lost or stolen
    • Travel Accident Insurance
    • See All Reviews & Details About The USAA Secured Credit Card

    Wells Fargo® Secured Credit Card


    wells fargo secured card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 18.99% (V)
    • Annual Fee $25
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Deposit an amount, from $300 to $10,000 into a Collateral Account. Your credit card limit equals the amount of money in your Collateral Account.
    • Your purchases are billed to you each month and you are responsible for making at least the minimum monthly payment. Payments are not deducted from your Collateral Account.
    • As a cardholder, your account performance is reported to major credit bureaus
    • Stay on top of your account activity with free email alerts when you approach your credit limit, a payment is due, and more.
    • Easily track your expenses. My Spending Report with Budget Watch has built-in tools that help you see where your money is going and easily set up a budget.
    • Visa benefits: Auto rental collision damage waiver, Emergency card replacement, Roadside dispatch and Travel and emergency assistance services.
    • Verified by Visa: Protect your Wells Fargo Visa card with a unique password for online shopping.
    • Secured Card accounts are reviewed periodically and may become eligible for an unsecured credit card and have the Collateral Account funds refunded.
    • Zero Liability Program: automatically protects you from liability for unauthorized transactions when you report them promptly
    • Overdraft protection: You may link your credit card to your checking account to help avoid overdrafts
    • All Secured cardholders have access to free online credit education courses and tips to help you manage credit wisely
    • See All Reviews & Details About The Wells Fargo® Secured Credit Card

    Harley-Davidson® Secured Credit Card


    harley davidson secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 22.99% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Earn H-D™ Genuine Rewards points - Get 1 point per $1 net purchase.
    • Redeem 2,500 points for a $25 H-D™ Gift Card.
    • Receive a $10 Harley-Davidson Genuine Rewards Certificate.
    • Additional Info
    • To fund your Secured Card, you can choose to: Fund online using your Checking or Savings Account and Print an application and mail a Cashier's Check or Money Order.
    • The deposit is used to open a U.S. Bank Savings account to ensure your card can be paid. The savings account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
    • When you've managed all of your credit obligations responsibly consistently for 12 months, you'll be well on your way to a strong credit standing, and we may be able to move you to an unsecured credit card product.
    • Auto Rental Collision Damage Waiver
    • Zero Fraud Liability.
    • Automatic Bill Pay.
    • See All Reviews & Details About The Harley-Davidson® Secured Credit Card
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    Community Discussion

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    Apr 19, 2015
    By:
    In college I first realized I had no credit when I did a credit check. I knew I would not be able to get a loan for any big purchases in my future without it. I would not be able to get a starter home that I wanted to a few years later. I had to apply through Paypal for their Mastercard. They had an easy credit card process despite not having credit and they approved my card quickly. I believe it was instant approval to anyone with good paypal history. I used it for several years after that and at least build up some credit. Now instead of having non-existent credit I now have around 700 credit. I feel anyone can follow that same path to build credit as well.
    Mar 21, 2015
    By:
    I am a student and have no prior cred card please lmk what is the best student with no credit history to apply for
    Mar 24, 2015
    Photo of Card H.
    Check out our Best Student Credit Card page - lots of great options there: http://www.cardhub.com/best-credit-cards-for-college-students/
    Dec 20, 2014
    By:
    I had to use a secured credit card because of a foreclosure on my credit a few years back. I ended up applying for the Wells Fargo Secured Credit Card. The process was simple enough and I just had to put security deposit. I used the card regularly and paid my bills on time and within a few months, my credit score improved.
    Dec 14, 2014
    By:
    I got my first credit card when I was 20 years old. Before that, my parents added me as an authorized user in their card. Because I had no credit history, my credit score wasn't that great. I ended up getting the First National Bank of Omaha Secured Visa Credit Card. I used my card to buy books and food through college. Within a few months, my credit score went up. This was the beginning of how I started to build my credit.
    Oct 9, 2014
    By:
    Back when I was 18, I used a guaranteed approval Chase student credit card while in college to help build my credit. I had no previous debt or credit cards, so this helped me establish my credit. It is my longest account and I have had it for over 7 years. I don’t think it would have been as easy to build credit without having a card with a long history like that.
    Sep 20, 2014
    By:
    When I started to use credit cards I used bank cards from local banks to start my credit and it was convenient to pay in person. When I got close to the due date it came in handy. When my credit got better I switched to other cards with better rates and terms.
    Apr 29, 2014
    By:
    I used the Capital One card. It was the first card I ever got (with no credit/bad credit) and the limit was high. It was double the line of credit that most cards give you. The interest rate at the time was 0% for the first few months and afterwards was 9 percent. The card is not what it used to be. The interest rates are crazy now and the fees are high as well. I had an annual fee, but it was an unsecured card. Now you only have the option of secured to start with. Still, it is better than most of the cards out there if you have to get something, and it does build your credit.
    Apr 1, 2014
    By:
    I once applied for the Capital One Secured Mastercard. I had very poor credit and did not expect to ever have a better one. Once I was guaranteed and approved I was able to make very low payments on the card and it helped to free me from the burden of bad credit!
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