guaranteed approval credit cards

Best 100% guaranteed approval credit and prepaid
debit cards 2012 for bad credit


Following 100% guaranteed approval credit cards are designed for people with bad or no credit. When you would like to improve your credit score consider choosing a card with credit bureaus reporting. Do you have good or excellent credit and looking for a card with instant decision? Visit our list of best 60 second approval credit cards.

100% guaranteed approval prepaid cards will not let you build or rebuild credit, but can provide some extra benefits like sign up bonuses, referral bonuses, free direct deposit and more. When applying for guaranteed approval credit cards pay attention to the fees that cards carry. Fees can be very high for cards that are easy to get. Choose the best 100% guaranteed approval credit card for you and apply via secure online application.

100% guaranteed approval secured cards:

First Progress Platinum Secured MasterCard® Credit Card
by Synovus Bank
  • Full-feature Platinum MasterCard secured credit card
  • No credit history or minimum credit score required for approval
  • Monthly reporting to all 3 major credit bureaus to establish more credit history
  • Quick & complete online application
  • Secured by your deposit of $300 - $2,000
  • 24/7 access to your account online
  • Deposit held at FDIC-insured bank
  • You must be a resident of a US state; however, at present the program is not available in Alaska, Arkansas, Iowa, Maine, New Jersey, New York, Wisconsin, or West Virginia.
Intro APR Regular APR Balance Transfer APR Annual Fee Credit Needed
None 14.99% V* N/A $39.00 Poor - Bad
No credit

Open Sky Secured Visa® Credit Card
by Capital Bank
  • Reports to all 3 Major Credit Bureaus
  • Prime +11% variable APR NOT AN INTRODUCTORY RATE
  • No additional monthly fees. Just a Flat $50 Annual Fee
  • 4 Ways to Fund Your Card. No checking account required!
  • Accepted everywhere you see the Visa logo
  • No Credit Check for Approval
  • Choose your credit limit from $200 to $3000*
  • Rush Shipping Available
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 14.25% V* 14.25% V* -* $50 Fair - Bad
No Credit

Platinum Zero® Secured Visa® Credit Card from Applied Bank®
by Applied Bank
  • ZERO - 0% FIXED APR on Purchases - No Intro Rates!
  • ZERO - 0% Rate Won’t Change - Even If You’re Late!
  • ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000
  • ZERO Application Fees
  • ZERO Worries - FREE Personal ID Theft Protections
  • ZERO Delays - Timely CREDIT Bureau Reporting
Intro APR Regular APR Balance Transfer APR Monthly Fee Credit Needed
None 0% Fixed N/A* $9.95 Poor - Bad
No credit

Applied Bank® Secured Visa® Gold Credit Card
by Applied Bank
  • Guaranteed Approval Regardless of Your Past Credit History
  • 9.99% Low Fixed APR - Your Rate Wont Change Even if You Are Late
  • Choose Your Credit Limit - From $200 to $5,000
  • Highest Ratings for Financial Strength and Security in the Country
Intro APR Regular APR Balance Transfer APR Annual Fee Credit Needed
N/A* 9.99% fixed rate N/A $50* Bad

100% guaranteed approval prepaid cards

AccountNow Gold Visa® Prepaid Card
by The Bancorp Bank
  • No Credit Check
  • No Minimum Balance
  • No late/ overdraft fees
  • Instant Account Number
  • Free Direct Deposit
  • Easy Online Bill Pay
  • Purchase Rewards
  • $0 Activation Fee
  • VIP Customer Service
Intro APR Regular APR Balance Transfer APR Monthly Fee Credit Needed
None N/A* N/A* $0 No credit check

mPower™ Visa® Prepaid Card
by The Bancorp Bank
  • Fast, easy application - No Credit Checks
  • $10 Cash Bonus, Activation & Monthly Fees refunded when you use Free Direct Deposit
  • Quick and Safe Access to your Money
  • Easy Online Bill Pay
  • No Minimum Balance
Intro APR Regular APR Balance Transfer APR Monthly Fee Credit Needed
N/A* N/A* N/A* $0 Bad, No credit

UPside Visa® Prepaid Cardby MetaBank
  • A card truly designed for the 13-25 age group and their parents
  • Full parental control. Safer than cash.
  • Parents can load the card online from their own credit card or checking account.
  • Instant online funding, great for emergencies when your child is away from home.
  • If your child is in high school, you can set allowances and monitor his/her spending online. Also perfect if he/she is traveling without you.
  • If your child is already in college, he/she can receive free direct deposits from an employer, write checks and most importantly stay out of debt.
  • Apply online now. Only $2.99 a month or $29.95 a year.
Intro APR Regular APR Balance Transfer APR Monthly Fee Credit Needed
N/A* N/A* N/A $2.99* Exellent - Bad
No credit

Western Union® Moneywise™ Prepaid MasterCard® by MetaBank
  • FREE: Monthly Maintenance
  • FREE: Online Activation & Statements
  • FREE: Customer Service (Online and Phone)
  • FREE: $10 With Your First Qualifying Direct Deposit.
  • FOUR Convenient Ways to Add Money to Your Account.
  • Protected Funds through MasterCard's Zero Liability Policy.
Intro APR Regular APR Balance Transfer APR Monthly Fee Credit Needed
N/A* N/A* N/A* $0 Bad, No credit

AccountNow® Prepaid MasterCard®
by MetaBank
  • 100% Guaranteed Approval* - No Credit Check
  • No Activation Fee
  • $25 bonus with Free direct deposit
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Perfect for Pay check & Benefit check direct deposit
Intro APR Regular APR Balance Transfer APR Monthly Fee Credit Needed
N/A* N/A* N/A* N/A* Bad, No credit

AccountNow® Prepaid Visa®
by The Bancorp Bank
  • Guaranteed Approval * - Upon Successful ID Verification
  • No Credit Check
  • No Overdraft Fees
  • No Bounced Checks
  • No Minimum Balance
  • No CheckSystem’s Verification
  • Instant Account Number
  • Easy Online Bill Pay
  • No Monthly Fee
Intro APR Regular APR Balance Transfer APR Monthly Fee Credit Needed
None N/A* N/A* N/A* No credit check

BuyRIGHT Pre-Paid MasterCard® by MetaBank
  • NEW!! Choose your card design at no extra cost!
  • Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
  • Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
  • Free Direct Deposit, Online bill pay, Earn rewards.
  • No credit check, No bounced check fees, No overdraft fees - EVER!
  • Travel, rent cars, reserve hotels, shop online safely.
  • Unbelievable customer service.
Intro APR Regular APR Balance Transfer APR Monthly Fee Credit Needed
N/A* N/A* N/A* $7.95 Excellent - Bad
No credit

Easy approval gas prepaid cards

Vision Premier® Visa® Prepaid Card - Simple & Fairby The Bancorp Bank
  • New - Free Roadside Assistance
  • New - Free Savings Account with 5.65% APY
  • 1% Cash Back on Gas Purchases
  • Free Direct Deposit so you can get paid faster
  • Free Bill Pay online or over the phone
  • Free Transactions and Customer Service
  • No Overdraft Fees, No Interest Fees, and No Hidden Fees
  • No Credit Check - 100% Approval
Intro APR Regular APR Balance Transfer APR Monthly Fee Credit Needed
None N/A* N/A* $7.95 - $9.95 Bad


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The article was updated on 4/19/2012. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies credit card applications.

Best Credit Cards Online has financial relationships with some of the cards mentioned here, and Best Credit Cards Online may be compensated if consumers choose to apply for these links in the content, and ultimately sign up for them. We are not compensated for the positive reviews.


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