Best Guaranteed Approval Card Offers



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No one enjoys having their credit card application denied. Having a credit card today isn't only convenient, it's necessary, and the sooner you get your card, the easier your life will be. Fortunately, there are some issuers that offer guaranteed approval credit cards, also known as 100% Approval Card Offers. Although these cards have 100% approval in their name, you do need to meet a few requirements to get an instant decision. You need to be 18 years of age or older, have a permanent, valid address in the United States, and of course, you'll need a valid social security number. Certain issuers might have monthly income requirements, and some cards might not be available in some states. You can find our guaranteed approval credit cards' comparison down below, so check these cards out and find the one most suitable for you.

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Whether you want to build up your credit history or improve your credit score, you need a credit card. However, it is difficult to get approved for a credit card if you have a poor score or little to no credit history. This might just be one of the greatest paradoxes.

If you apply for a credit card and get denied, you will damage your credit score. If you make multiple applications in a short period of time, this will damage your credit score even further.

To help you get out of this situation, you might want to look into guaranteed approval credit cards. It’s a unique kind of credit card that could help you rebuild your credit if you use it responsibly.

Let’s dive deeper into guaranteed approval cards, learn what their advantages and disadvantages are, and help you discern whether this card might be a good option for you.

What Are Guaranteed Approval Credit Cards?

When you hear the word “guaranteed”, you typically wouldn’t be wrong in assuming that something is 100% certain. Unfortunately, when it comes to guaranteed approval cards, this is actually a wrong assumption, and “guaranteed” can be considered a misnomer.

Not everyone can get a guaranteed approval credit card, and regardless of its name, issuers will still have a few requirements for you to meet before they give you this credit card. If you don’t meet the requirements, you won’t be approved.

Fortunately, though, the requirements are few, and most people can meet them, even with a poor credit score.

Perhaps “easy approval” credit cards would be a more suitable name since, even though it’s not guaranteed you’ll get the card, it’s relatively easy to do so.

Besides the fact that the application process is much easier, guaranteed approval cards are very much the same as regular credit cards. They come with fees, benefits, rewards, and terms and conditions that are set by the issuer.

PRO Tip
Guaranteed approval credit cards are not the right fit for everyone, and not everyone can get them. Always do your research to find out whether you’re eligible for a card before you apply for it. This way, you’ll minimize the chances of your credit score being damaged by a rejected application.

What Are 100% Approval Card Application Requirements?

As mentioned, even though they’re called 100% approval or guaranteed approval cards, you still need to meet the issuer’s requirements if you are to get approved.

Your credit score doesn’t play as big of a role in your application status as it does for some other types of credit cards. To get approved for a guaranteed approval offers, you will most likely have to meet some of the following requirements:

  • You have to be of the proper age
  • You need to have a current bank or credit account
  • You need a valid ID
  • Your address needs to be verified

These are just some of the requirements for a guaranteed approval offers, and different card issuers might have different requirements. Before you apply for this card, make sure you read and understand all of the issuer’s requirements to see whether you would be eligible for their card.

While the application process is typically straightforward and easy, you should always read the fine print of the Terms and Conditions and the Pricing and Information.

Keep in mind that the ease of approval comes with some drawbacks. These cards typically come with higher interest rates and fees and fewer bonuses and rewards.

PRO Tip
Guaranteed approval card offers are usually not the best type of credit card you can get since they come with higher fees and fewer rewards and benefits. You should only get this card if you need to improve your credit score and cannot get approved for better, another type of credit card.

Guaranteed Approval Cards vs Instant Approval

Guaranteed approval cards are often confused for instant approval cards, also known as instant decision cards. There is, however, quite a difference between these two.

Instant approval cards are those that let you know almost immediately whether you’ve been approved for a card or not. You can fill in your application online, and you’ll typically get a notification within 2 minutes that tells you whether your application has been accepted.

To be eligible for an instant approval card, you’ll normally need to have a good to excellent credit score. There are some instant approval credit cards for poor credit, but this is typically not the case.

Guaranteed approval cards, on the other hand, are designed for those with poor credit. It will take a longer time, between 7 and 10 days, to find out whether your application has been successful.

Guaranteed Approval Cards and Pre-Approval

It’s very likely that you’ve received a credit card offer or two in the mail telling you that you’ve been pre-approved for a card. Does this mean that you’re guaranteed to get a card if you apply for it? The short answer is No.

If you receive a pre-approval offer, it is mostly based on the general information about your financial status and credit score. Card issuers that send you these offers don’t have your exact figures – they just collect lists of consumers who meet certain criteria, who are within a certain income bracket or credit score range.

Only once you apply for a credit card will these issuers do a full credit check on you and tell you if you’ve been approved.

Getting a pre-approval offer for a guaranteed approval credit card might mean you are eligible for this card since you can easily apply for it with bad credit, but again — it’s not 100% guaranteed.

PRO Tip
The pre-approval offers you get in the mail do contain some of your personal information. To stay on the safe side, be sure to rip these offers apart or shred them before throwing them away. This way, you will prevent others from seeing your personal information.

What Are Guaranteed Approval Card Alternatives?

Guaranteed approval card offers are designed for those with a poor credit score or little/ no credit history. They have fewer requirements for applicants, so many with a poor credit score believe these cards to be their only option.

However, you should try to avoid these cards if possible. Since they’re made for riskier clients, they often come with high annual fees, high interest rates, and can quickly become expensive if you have to carry your balance.

The best alternative for a guaranteed approval card is a secured credit card. Secured credit cards are also available to those with poor credit, but they come with lower fees and better rewards and bonuses. (Read: Secured Credit Cards Explain for the detailed secured card information)

Good to Know
Read extended Secured Credit Cards Explained article on our Lear Section for the detailed secured card information.

The only drawback is that you will need to make a deposit to get your card. If you’re a responsible cardholder and pay off your debts on time, your deposit can be returned to you if you decide to cancel your card or upgrade to a better one.

PRO Tip
Once you’ve built up your credit score with a guaranteed approval card or a secured credit card, it’s better to upgrade to a better card from the same issuer than to cancel your card and apply for a new one. Closing a credit account and applying for a new credit card will damage your score. Upgrading to a better card will not.

To Recap

100% Approval Credit Cards Frequently Asked Questions

What is the best alternative for guaranteed approval credit cards?2019-11-26T04:03:55-06:00

If you need a credit card for poor credit, the best 100% approval card alternative would be a secured credit card. This credit card is available to those with poor credit or little/ no credit history, and it comes with much more favorable fees and rewards.

You do need to make a deposit to get this card, however. Typically, the amount that you deposit would be your credit card limit, but this depends on the issuer. The deposit will be used as collateral if you fail to make your credit card payments on time. However, if you pay off all of your credit card debts on time and decide to cancel your secured credit card, you will get your deposit back.

Related Reading: Secured credit cards explained

Can a guaranteed approval card rebuild my credit score?2019-11-26T03:58:57-06:00

Yes, as long as you use your card responsibly. It doesn’t matter what kind of credit card you have, all card issuers report your behavior to the major credit bureaus, and if you’re paying off your credit card debts on time, you will improve your credit score.

Once you’ve rebuilt your score with a 100% approval credit card, you might want to consider upgrading to a better card. Guaranteed approval cards come with higher rates and fees and fewer rewards. With a better credit score, you will be able to get a better credit card and enjoy the benefits of various new rewards and bonuses.

Am I truly guaranteed to get approved for a guaranteed approval credit card?2019-11-26T03:48:08-06:00

Unfortunately, no. No issuer can truly guarantee that anyone who applies for a credit card will be approved for it, even when it comes to guaranteed approval credit cards. All issuers have certain requirements for you to meet, and if you don’t meet them, you won’t be able to get a card.

It’s simply much easier to get approved for a guaranteed approval credit card. The issuers will have fewer requirements, and your credit score won’t be considered as very important.

Your application can still be denied if you don’t meet certain income requirements, if you can’t verify your address, or if you already have too many credit cards in your possession.

If I was pre-approved for a credit card, am I guaranteed to get it?2019-11-26T03:52:06-06:00

Just like you aren’t guaranteed to get a 100% guaranteed approval credit card, you aren’t guaranteed to get a pre-approved card either. When you are pre-approved for a card, this means that you meet some of the card issuer’s requirements for the said card. You might fall into the required credit score range, or you might belong to a certain income bracket.

Pre-approved means that you are likely to get a card, but this isn’t certain. This is just an estimate that gives you preliminary results. If you’re not pre-approved for a card, you definitely won’t get it. If you are pre-approved, you might get the card, but you might not. Only once you’ve applied for the card and once the issuer has done a full credit check on you will you know for certain.

Will applying for multiple 100% approval credit cards damage my credit score?2019-11-26T03:56:22-06:00

Even though these cards are designed for poor credit, the issuer will still have to do a full credit check before giving you a 100% approval card. When the issuer does a full credit check, this leaves a trace on your credit report and damages your score.

Applying for multiple guaranteed approval credit cards will damage your credit score, and it might raise red flags for the issuers, making it more difficult for your application to be approved.

You should always avoid making multiple credit card applications. The general rule of thumb is that you should wait at least 3 to 6 months between credit card applications.

Can I get a guaranteed approval credit card with poor credit?2019-11-26T03:54:16-06:00

100% approval credit cards are designed for those with a poor credit score, so you’re probably very likely to be approved for this card if your credit score isn’t excellent. But, you do have to keep in mind that different issuers will have different minimum requirements for your credit score.

The lowest FICO score is 300, and if your credit is between 300 and 650, you are considered to have poor credit. However, some issuers will only allow an unsecured guaranteed approval credit card to those whose score is between 550 and 650. If your score is lower than this, you might not get approved.

Always check what the card issuer’s minimum requirements are before you apply for a 100% approval credit card.

Do guaranteed approval credit cards have rewards?2019-11-26T04:01:03-06:00

Yes, most 100% approval credit cards do come with certain benefits and rewards, such as cashback rewards for example, but since these credit cards are designed for poor/ bad credit, they won’t have many appealing options.

There are many other types of credit cards that can offer you travel rewards, better cashback, discounts, and more. Guaranteed approval credit cards are known for having fewer rewards and higher fees.

This is why it’s recommended to use guaranteed approval credit cards only to rebuild your credit score. After you’ve done this, you can apply for other credit cards that come with lower fees and better rewards.

Is a 100% approval credit card the same as an instant approval credit card?2019-11-26T03:50:39-06:00

100% approval credit cards and instant approval credit cards are not the same. Guaranteed approval cards are designed for those with poor credit, and have very light requirements for approval.

Instant approval cards, also known as instant decision cards, are normally (though not exclusively) designed for those with good or excellent credit scores. Applicants will be notified within only a few minutes about the status of their application, hence the name “instant” approval.

To find out about the status of your application for a 100% guaranteed approval card, you will typically have to wait for about 7 to 10 business days depending on the issuer.

TOP 10 Guaranteed Approval Credit Cards – December 10, 2019

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Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.

ADVERTISER DISCLOSURE. Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don’t affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.

EDITORIAL DISCLOSURE. Market Pro Secure® doesn't post any content that is provided or commissioned by our advertisers, the majority of which are financial product providers and credit card issuers whose offers we feature on our website. The entirety of our editorial content – including any opinions, analyses, reviews, and evaluations – belongs to the author alone, and has not been reviewed, approved, or otherwise endorsed by our advertisers.