Surge Mastercard®

  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Credit Needed:Bad, Fair
Annual Fee: See website for Details*
Regular APR:24.99% – 29.99% (Variable)

Freedom Gold Card

  • $750 Unsecured Credit Limit*
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit – OK
Credit Needed:Damaged credit to Fair credit
Annual Fee: See website for Details*
Regular APR:0%

Aspiration Spend & Save™

$150 when you spend $1000 in the first 60 days of account opening

Rating: 5.0

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Aspiration Spend & Save™

  • Earn $150 when you spend $1000 in the first 60 days of account opening.
  • Get up to 5% cash back on socially conscious spending at Conscience Coalition merchants [like TOMS, Warby Parker, and more]
  • Get paid up to 2 days early
  • 55,000+ Fee-free ATM Network
  • You pay what is fair, no hidden fees.
  • Reforest the planet with every purchase you roundup
  • See business People & Planet impact scores as you shop
The Aspiration Spend & Save Account are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer, Member FINRA/SIPC, and a subsidiary of Aspiration Partners, Inc. (“Aspiration”). Aspiration is under separate ownership from any other named entity. Aspiration Debit Cards are issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. Aspiration is not a bank.
Credit Needed:N/A
Annual Fee: Pay What You Think Is Fair, even if it's $0
Regular APR:N/A

Unique Platinum

  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
Credit Needed:Fair, Bad, No Credit
Annual Fee: See website for Details*
Regular APR:N/A

Merrick Bank Double Your Line® Secured Credit Card

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Credit Needed:See website for Details
Annual Fee: $36 the first year. Billed $3 per month thereafter
Regular APR:19.70% Variable

Indigo® Platinum Mastercard® Credit Card

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
Credit Needed:Good, Fair
Annual Fee: $0 - $99
Regular APR:24.90%

Net First Platinum

  • Instant Approval / $750 Credit Line*!
  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications
Credit Needed:Damaged credit to Fair credit
Annual Fee: See website for Details*
Regular APR:0%

Milestone Gold Mastercard®

  • Instant pre-qualification is available for those who qualify
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
Credit Needed:Fair/Good
Annual Fee: $35 - $99, Dependent on credit worthiness
Regular APR:24.90%

Total Visa® Card

  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
Credit Needed:Fair/Bad Credit
Annual Fee: See Terms*
Regular APR:34.99%

OpenSky® Secured Visa® Credit Card

  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
Credit Needed:No Credit Check
Annual Fee: $35
Regular APR:18.89% (variable)

Applied Bank® Unsecured Classic Visa® Card

  • Quick & Easy Approval in Less Than 60 Seconds!
  • Reports to All Three Major Credit Bureaus
  • No Penalty Rate. Your Rate Won’t Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments
  • 24/7 Online Account Access and Payment Options
  • E-mail Payment reminders help you keep your account in good standing
Credit Needed:Fair, Bad Credit
Annual Fee: See website for Details*
Regular APR:29.99%

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Credit Needed:Fair, Bad Credit
Annual Fee: $49
Regular APR:12.24% (V)

First Access Visa® Card

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Checking account required
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Credit Needed:Fair, Bad Credit
Annual Fee: See Terms*
Regular APR:34.99%

Guaranteed Approval Credit Card Offers For Bad Credit

If you've been looking for a credit card but have bad credit, you might be curious about the guaranteed approval card offers you've seen for bad credit with no deposit. Are they genuine? And what exactly does "guaranteed approval" imply? While this term may appear to be the solution to your credit card woes, the fact is that all credit cards have some form of basic requirements before a company will issue one to you. The fact that the requirements to qualify for these so-called guaranteed approval credit cards are usually minimal is an important factor.

Most card issuers will require you to have an active checking account as well as proof of income that exceeds a certain minimum amount. There's also the issue of how bad your credit is. In general, a credit score of 300 (the lowest FICO score) to 650 is considered bad credit. Some card issuers, however, will consider credit scores of 550 to 650 to be simply poor credit and may consider you for an unsecured credit card. You may also find bad credit credit cards with guaranteed approval and no deposit requirements.

Many of the cards listed above provide guaranteed or instant approval, with almost all requiring no credit check to apply. Click on a card for more information and to apply today!

Still not sure which guaranteed approval or other credit card is right for you? Let us pick the best credit cards for YOU based on your FREE credit score! Contact us today.