If you are someone with low credit score then getting approved for a credit card can be a challenging task. In that case, guaranteed approval credit cards are the best option. These credit cards are designed to help individuals establish or rebuild their credit score while providing them with the convenience and benefits of a credit card. In this article, we inform you about the best guaranteed approval credit cards in the market.
Best Guaranteed Approval Credit Cards for Low Credit Score
The basic qualities of these credit cards include requiring no to low credit score and they can also be the credit card that helps you build on your credit score. Let us begin our list.
1. Surge Platinum Mastercard
For no deposit and a bad credit score, you can get a Surge Platinum Mastercard. This card comes with an APR of 29.99%. Celtic Bank is the provider of this card.
The card has a credit limit of 300 to 1,000 dollars and the limit can be pushed to 2,000 dollars if you make your first 6 monthly minimum payments on time. The monthly report is sent to three major credit card bureaus and so you can use this card to improve your credit score.
2. Reflex Platinum Mastercard
Reflex Platinum Mastercard is a highly rated unsecured credit card that comes with a credit limit of 300 to 1,000 dollars. Make your first six minimum monthly payments on time and this limit can be pushed up to 2,000 dollars. 3 major credit bureaus are reported monthly and so the card can help you improve your credit score.
The card has an APR of 29.99%. The card also offers 0-dollar fraud liability for unauthorized charges. It is a guaranteed credit card approval with no deposit.
3. Fortiva Mastercard Credit Card
This credit card comes with a 3% cash back reward and that should be enough to make a case for this card to be one of the best instant guaranteed approval credit cards with no deposits. When you have this card you can make contactless payments through the mobile wallet. There are periodic credit increase reviews.
The APR charged on this card might be 29.99% or 36%. You just need to have a fair credit score to be accepted for this card. The annual fee payable for this card is 85 dollars. This is one of the instant approval credit cards with instant use.
4. Milestone Mastercard
This credit card comes with a 700 dollar credit limit. The account history is reported to three major credit card bureaus in the US and so this card can be used to improve your credit score.
The card comes with a 0-dollar liability for unauthorized use. This card is issued by the Bank of Missouri and is rated to be more than a good unsecured credit card. Also, you don’t need to pay any sort of monthly maintenance fee for this credit card.
Cross-reference: Best Instant Access Credit Cards
5. Revvi Card
When you make a payment towards this card you get 1% cash back on the same. The application process for this card is fast and easy. The card comes with a 300-dollar credit limit.
The card can be used to build your credit score. The fee for this card is 75 dollars in the first year and from there on it is 48 dollars. The APR charged by this card is 34.99%. It is a guaranteed credit card approval with no deposit.
6. Total Visa Card
For a one-time fee of 89 dollars, Total Visa Card happens to be one of the best-unsecured credit cards that you can lay your hands on. The card comes with an APR of 35.99% and an annual of 75 dollars in the first year after which you only pay 48 dollars.
For the first year, there are also no monthly fees to be paid, however, after that, you pay 8.25 dollars a month. People with bad credit scores must surely consider this credit card as it is one of the best ones around.
7. FIT Platinum Mastercard
Rated highly this credit card has a one-time fee of 89 dollars. The annual fee of this card is 99 dollars and the regular APR is 29.99%. A person with a bad credit score can easily get this card that has no monthly payments for the first year and post that you only pay 6.25 dollars a month.
The card offers a 400-dollar credit limit and your activities are reported to 3 major credit card bureaus which means that this card can help you improve your credit score.
8. First Access Visa Card
This credit card happens to be one of those instant guaranteed approval credit cards with no deposits and comes for a one-time fee of just 95 dollars. The APR of this card is 34.99%.
The card comes with an annual fee of 75 dollars and a monthly charge of 0 dollars. However, after the first year, the annual fee comes down to 48 dollars and a monthly charge of 8.25 dollars needs to be paid. This is one of the instant approval credit cards with instant use.
Cross-reference: Instant Approval Credit Cards May Not Offer What You Seek
Best Guaranteed Approval Credit Cards with $1000 Limits for Bad Credit
Above we saw a few credit cards that don’t require any deposits and are therefore some of the best-unsecured credit cards around. Let us now time to look at some guaranteed approval credit cards with $1,000 limits for bad credit.
1. Capital One Secured Mastercard
If you are looking for credit with a 1,000-dollar limit that accepts applications with bad credit then you don’t need to look past this option. The card comes with no annual fee.
It is an ideal choice of credit card for those that want to build their credit score or are first-time credit card users. Also, this card comes with benefits like rental car insurance, purchase protection, and fraud coverage. The limit offered by this card ranges between 200 and 3,000 dollars.
2. USAA Cashback Rewards Plus American Express Card
Just as there were a lot of good credit cards in the list of instant guaranteed approval credit cards with no deposits, similarly we have many such great names in this list as well, one of which belongs to AMEX.
No annual fee, unlimited cashback rewards, and a 1,000 credit limit are some of the best features offered by this card. This credit card will help you build your credit score and make use of various fraud protection tools or make sure that their customers aren’t cheated.
3. Bank of America Cash Rewards Credit Card
Being a guaranteed approval credit card with 1,000 dollars credits is what makes this credit card a great pick. Every purchase made using this card qualifies for cash rewards. The card comes with a 0-dollar annual fee and also offers no balance transfer fees.
People with bad credit ratings can apply for and get this card easily. The introduction APR on this card is 0% when it comes to purchases and balance transfers. 3% and 2% cash backs are available at selected purchases.
4. Discover it Chrome Card
If you are looking to improve your credit score then this card is a good choice to help you with the same. It is a great credit card that is most suited for students. The credit limit on the card is 1,000 dollars but can be increased further if you make your payments timely.
This card gets you discounts, and cash back and also offers fraud protection. The application process for this card is easy. You also get 2% cash back at restaurants and gas stations with this card.
We have now covered instant guaranteed approval credit cards for bad credit with no deposit. Along with that, we have also seen a whole host of other credit cards among which there were some guaranteed approval credit cards with $1,000 limits for bad credit. And that is where our job ends and yours begins.
