We would all love a guaranteed approval credit card, but it seems like something like that has to be granted by a genie.  Everyone wants to have a credit card as part of their payment tools. Credit cards assure you that even when you don’t have the money to buy it, you can still buy it and pay for it later. 

Credit cards also offer security than having cash in your pocket. Approval for a credit card is another monster that you have to beat when you consider having a credit card. This is the process where the issuer evaluates your creditworthiness and if you can pay for the credit. 

You have probably gotten an email once from a credit card issuer, that there are guaranteed approval cards. This is a confusing email as in most cases you’ll find out that there aren’t cards that are guaranteed approval. So, what are these guaranteed approval credit cards and how can you get one?

Guaranteed Approval Credit Cards

When you hear of the term guaranteed, you definitely assume that they are approved as soon as you apply for them. That should be the case with the cards. But in most material that you’ll find on the web today, there are no such cards.

So what are these guaranteed approval cards? These cards are more or less cards that don’t deny any applicant the chance to have them. On the evaluation process, your credit score holds no bearing with these cards.

There are, however, some requirements you have to meet for you to get the cards, for example, you have to make a deposit for most of the cards. There are some cards that don’t require you to have a security deposit. These are the types of cards that you can consider as guaranteed approval credit cards.


There are some advantages that come with these types of cards, you don’t have to have great credit to apply for them. The cards can also help you build your credit. Building credit is quite easy if you can find a credit card issuer that isn’t much concerned about your current score.

Some of the cards also offer you pre-qualification. Most people’s fear of pre-qualification comes from the idea that it can interfere with your credit score. For most of the cards in this category, you can pre-qualify without hurting your credit score.


For most of these cards there are fees. The cards that have a security deposit have some of the lowest fees from as low as $25 in annual fees. On the other hand, the same type of cards with no deposit comes with huge fees from $75 and APR of 29.99%.

You have to discern which card it is you want when you’re looking for a guaranteed approval credit card. It’s either you go for the one with high fees and high interest, and no credit check and no deposit or the other.

How to Get One

Guaranteed approval cards have one thing in common, and that’s the quick approval. While the other cards have to check on your creditworthiness and such, these don’t. You have to fill out an online form in most cases to apply for these cards.

The information that you are required to give for you to get the card includes your social security number, your name, and some financial information. The evaluation process is quite quick as they only have to check if the info you have given matches the one on the database.

In most states, you have to be at least 18 years old for you to apply for a card and a resident of the US. The other requirement is you have to be earning and can prove that you have been earning. On the form, you have to fill out the answers and they need to be honest answers.


Basically, these types of guaranteed cards are easier to get than most, but they still have some restrictions. These cards are almost guaranteed approval because your credit has no bearing on if you get the card or not. 

The cards that fall under the guaranteed approval can either be secured or unsecured depending on the card you want to apply for.