If you have a poor credit score or no credit history, getting approved for a credit card can feel like an impossible task. Fortunately, in 2025, several credit card issuers in the U.S. are offering guaranteed approval options for people with bad credit. These credit cards not only help you access credit but also rebuild your credit score over time.
Why Guaranteed Approval Credit Cards Are Valuable
Guaranteed approval credit cards often come in the form of secured credit cards. These cards require a refundable security deposit, which acts as collateral for the lender. Despite your credit history, approval is virtually guaranteed as long as you meet basic eligibility criteria, such as:
✔ Being at least 18 years old
✔ Having a valid Social Security number or ITIN
✔ Being able to fund the security deposit
These cards are designed to give people with bad credit, no credit, or a history of financial mistakes a second chance to build or rebuild their credit profile.
Top Credit Cards for Bad Credit in 2025
Here are some of the best guaranteed approval credit cards you can apply for this year:
1. Discover it® Secured Credit Card
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Annual Fee: $0
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Rewards: Earn 2% cashback at gas stations and restaurants (up to $1,000 per quarter)
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Credit Reporting: Reports to all three major credit bureaus
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Key Benefit: Cashback rewards even for secured cardholders
This card is a popular choice for rebuilding credit while earning cashback on everyday purchases.
2. Capital One Platinum Secured Credit Card
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Annual Fee: $0
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Deposit: Low refundable deposit starting at $49 (based on creditworthiness)
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Credit Reporting: Reports to all major credit bureaus
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Key Benefit: Opportunity for a higher credit limit after six on-time payments
Capital One offers one of the lowest minimum deposits, making it accessible for many applicants.
3. OpenSky® Secured Visa® Credit Card
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Annual Fee: $35
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Deposit: Starts at $200
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Credit Reporting: Reports to all major credit bureaus
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Key Benefit: No credit check required for approval
The OpenSky® card is ideal for those with extremely limited or damaged credit histories, as no credit check is performed during the application process.
Benefits of Using a Guaranteed Approval Card
Aside from access to credit, these cards offer several advantages:
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Credit Building: Timely payments and low utilization help improve your credit score
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Security: The refundable deposit protects the issuer and encourages responsible spending
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Upgrade Potential: Many issuers allow you to upgrade to an unsecured card after showing good payment history
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Reports to Major Bureaus: All three major credit bureaus—Experian, Equifax, and TransUnion—receive your account activity
Tips for Using These Cards Responsibly
Getting approved is only the first step. To rebuild your credit effectively, follow these best practices:
1. Make On-Time Payments
Payment history accounts for 35% of your FICO score. Always pay at least the minimum amount due by the deadline.
2. Keep Your Credit Utilization Low
Try to use less than 30% of your available credit limit. High utilization can negatively affect your score.
3. Monitor Your Credit Score
Use free tools or apps to track your credit score and watch your progress over time.
4. Avoid Carrying Balances
Whenever possible, pay your full statement balance to avoid interest charges and demonstrate good credit management.
5. Request Credit Limit Increases
After a period of responsible use, many issuers may increase your credit limit or upgrade you to an unsecured card.
Common Myths About Guaranteed Approval Credit Cards
Myth 1: You can't earn rewards with secured cards
Fact: Many secured cards, like the Discover it® Secured Card, offer cashback rewards.
Myth 2: These cards don't help your credit score
Fact: If reported to the major credit bureaus, secured cards directly impact your credit profile.
Myth 3: You’ll lose your security deposit
Fact: Your deposit is refundable when you close the account in good standing or upgrade to an unsecured card.
Final Thoughts
In 2025, building or rebuilding your credit has never been more accessible. Guaranteed approval credit cards provide a secure and effective way to improve your financial standing. With responsible use, these cards can help you transition from bad credit to a healthier credit profile—and eventually unlock access to more rewarding financial products like unsecured credit cards, personal loans, and mortgages.
If you're ready to take control of your credit future, explore one of these recommended secured credit cards today.