Home / Guaranteed Approval Credit Cards / 10 Best Guaranteed Approval Credit Cards for Bad Credit (2019)

10 Best Guaranteed Approval Credit Cards for Bad Credit (2019)

If you have tried to get a credit card but have bad credit, you might be wondering what guaranteed approval card offers you have. Are they legitimate? And what does bad credit credit cards guaranteed approval really mean? Although this term may look like the answer to your credit card problems, the fact is that all credit cards come with some form of basic requirements before a company delivers you one of them. A key factor in these  “guaranteed approval credit cards” is that the qualify requirements tend to be minimal.

Most issuers of this type of card require that you have an active current account and provide proof of income that exceeds a certain minimum amount. It also raises the question of how bad your credit is. In general, a balance between 300 (the lowest score FICO) and 650 is considered a bad loan. However, some card issuers will consider the score from 550 to 650 to be just bad credit and can keep you for an unsecured credit card.

Guaranteed Approval Unsecured Credit Cards for Bad Credit

If you have put your heart on unsecured credit card, choose the card that best fits your personal spending habits. For example, if you want to pay a balance, choose the lowest interest rate to minimize your expenses. You must also compare the annual and/or maintenance fees to ensure you get the best value.

More importantly, of course, your new credit card report to the three credit bureaus, so using your responsible card will help you build your balance over time. The majority of the subprime card issuers will expect you to have an active current account, and many would require proof of income. Our best tips include options for general use cards as well as popular store options.

Guaranteed Approval Credit Cards

Many of these are guaranteed approval credit cards with $1000 limits for bad credit. If you want more limits for your credit card you should consider the fact that you have to be checked for approval.

1. Chase Platinum

  • 0% Intro APR On All Purchases And Balance Transfers For Six Months
  • No Annual Fee
  • Interest-Free Grace Period
  • Eligibility To Enroll In Chase Travel Rewards
Intro APR Intro Period Annual Fee Setup Fee APR
0% 6 months None $0 12.49% Variable

2. Blue from American Express

  • 0% APR On Purchases For Up To 15 Months
  • 3.99% Fixed APR For The Life Of The Balance
  • Free Rewards Program
  • No Annual Fee
Intro APR Intro Period Annual Fee Setup Fee APR
0% 15 months None $0 9.49% Variable

3. All American Gold Credit Card by American Express

  • Guaranteed Approval
  • $6,000 Unsecured Gold Credit Line
  • No Credit Checks Or Credit Turndowns
  • No Employment Verifications
Intro APR Intro Period Annual Fee Setup Fee APR
None None None $0 None

4. American Express® Rewards Green Card

  • No Pre-Set Spending Limit
  • Pay In Full Each Month
  • Access To Membership Rewards® Program
  • Points Can Be Redeemed For Free Travel From A Variety Of Airline Partners
Intro APR Intro Period Annual Fee Setup Fee APR
None None $65 $0 None

5. Chase PerfectCard™ Platinum

  • 6% Rebate On All Gasoline At Any Gas Station For The First 90 Days
  • 3% Rebate At Any Gas Station After The Intro Period
  • 1% Rebate On All Other Purchases
  • 0% Fixed Intro APR On Balance Transfers
Intro APR Intro Period Annual Fee Setup Fee APR
0% 9 months $19 $0 14.49% Variable

6. Choice Privileges Platinum V Card

  • Earn 6,000 Bonus Points With First Purchase
  • No Annual Fee
  • Earn 15 Points Per $1 Spent At Almost 3,000 Choice Privileges U.S. Locations
  • Airline Miles With Many Major Airline Partners
Intro APR Intro Period Annual Fee Setup Fee APR
1.9% 6 months None $0 15.49% Variable

7. Discover® More Card Wildlife Card

  • No Annual Fee
  • Up To 2% Cashback Bonus Award
  • Online Account Access
  • Up to $50,000 Credit Line
Intro APR Intro Period Annual Fee Setup Fee APR
0% None None $0 None

8. Platinum Business Credit Card from OPEN

  • Pay Over Time Or In Full
  • No Annual Fee
  • 0% Intro APR For Purchases
  • Option To Enroll In Fee-Free Rewards Program
Intro APR Intro Period Annual Fee Setup Fee APR
0% 12 months None $0 8.49% Variable

9. Chase Travel Rewards® Platinum

  • Earn 1 Point For Every $1 Spent
  • No Annual Fee
  • 0% Intro APR On Balance Transfers For Up To Twelve Months
  • Points Can Be Redeemed For Air Travel, Hotel Stays, Auto Rentals, Cruises And More
Intro APR Intro Period Annual Fee Setup Fee APR
0% 12 months None $0 10.49% Variable

10. Chase Universal Entertainment Platinum

  • Earn 1 Point For Every $1 Spent
  • No Annual Fee
  • 0% Intro APR On Balance Transfers For Up To Twelve Months
  • Points Can Be Redeemed For Air Travel, Hotel Stays, Auto Rentals, Cruises And More
Intro APR Intro Period Annual Fee Setup Fee APR
0% 12 months None $0 10.49% Variable

What does Guaranteed Approval Credit Card means?

Overall, it can be a little intoxicating to see the word  “Guaranteed“; Because if you eliminate the risks of a particular purchase or business, you will only succeed, right? Well, if something seems too good to be true, it is often. As the fact that guaranteed permit cards are not always really guaranteed, and even those that are, may have some contingencies in small print.

Unfortunately, if you have bad credit and have trouble finding a credit card, there are few easy ways to get out. Instead, take a few minutes to figure out what you really want from your new card, and then do your research to find them. With such a range of credit cards for bad credit cards, there is something for almost everyone.

Whichever card you choose, make sure your balances stay low, and always, always, pay your instructions on time. As your balance improves, your credit card options will also be available. Who knows, with enough hard credit work, each card can one day have guaranteed approval credit cards for bad credit.

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