The best credit card for bad credit with no deposit and nearly guaranteed approval is the Indigo Credit Card because it accepts applicants with a credit score as low as 500 and comes with a starting credit limit of $700. You can also check for pre-approval, which lets you know how likely you are to get the Indigo Card.
No credit card offers 100% guaranteed approval, as there is always some criteria that applicants must meet. At a minimum, they must be at least 18 years old and have enough income to afford monthly credit card payments.
Credit Cards for Bad Credit with No Deposit & Good Approval Odds
Indigo Mastercard for Less than Perfect Credit Rates & Fees Indigo Mastercard for Less than Perfect Credit Indigo Mastercard for Less than Perfect Credit Learn MoreLearn Moreon issuer's website Rates & Fees Indigo Mastercard for Less than Perfect Credit Indigo Mastercard for Less than Perfect Credit Learn MoreLearn Moreon issuer's websiteIndigo Mastercard for Less than Perfect Credit Indigo Mastercard for Less than Perfect Credit Learn MoreLearn MoreIndigo Mastercard for Less than Perfect Credit
Ongoing Rewards: N/A
Annual Fee: 
49 after
Min. Credit Required: Bad
Credit One Bank Platinum Visa for Rebuilding Credit Rates & Fees Credit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn Moreon issuer's website Rates & Fees Credit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn Moreon issuer's websiteCredit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn MoreCredit One Bank Platinum Visa for Rebuilding Credit
Ongoing Rewards: 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services
Annual Fee: $75 intro 1st yr, $99 after
Min. Credit Required: Bad
Fingerhut Credit Account Fingerhut Credit Account Fingerhut Credit Account Learn MoreLearn MoreFingerhut Credit Account Fingerhut Credit Account Learn MoreLearn Moreon issuer's websiteFingerhut Credit Account Fingerhut Credit Account Learn MoreLearn MoreFingerhut Credit Account
Ongoing Rewards: N/A
Annual Fee: $0
Min. Credit Required: Bad
OneMain Financial BrightWay Card Rates & Fees OneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn Moreon issuer's website Rates & Fees OneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn Moreon issuer's websiteOneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn MoreOneMain Financial BrightWay Card
Ongoing Rewards: 1% cash back on all purchases
Annual Fee: 
89
Min. Credit Required: Bad
Merrick Bank Credit Card Merrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn MoreMerrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn Moreon issuer's websiteMerrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn MoreMerrick Bank Credit Card
Ongoing Rewards: N/A
Annual Fee: 
72 1st yr, $0 after
Min. Credit Required: Bad
Even if you’ve had credit trouble in the past, there are plenty of credit cards with no deposit that offer high approval odds. You can compare the best unsecured credit cards for bad credit of 2025 on WalletHub. Answer from Bianca Smith on wallethub.com
49 after
Min. Credit Required: Bad
Credit One Bank Platinum Visa for Rebuilding Credit Rates & Fees Credit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn Moreon issuer's website Rates & Fees Credit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn Moreon issuer's websiteCredit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn MoreCredit One Bank Platinum Visa for Rebuilding Credit
Ongoing Rewards: 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services
Annual Fee: $75 intro 1st yr, $99 after
Min. Credit Required: Bad
Fingerhut Credit Account Fingerhut Credit Account Fingerhut Credit Account Learn MoreLearn MoreFingerhut Credit Account Fingerhut Credit Account Learn MoreLearn Moreon issuer's websiteFingerhut Credit Account Fingerhut Credit Account Learn MoreLearn MoreFingerhut Credit Account
Ongoing Rewards: N/A
Annual Fee: $0
Min. Credit Required: Bad
OneMain Financial BrightWay Card Rates & Fees OneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn Moreon issuer's website Rates & Fees OneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn Moreon issuer's websiteOneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn MoreOneMain Financial BrightWay Card
Ongoing Rewards: 1% cash back on all purchases
Annual Fee: 89
Min. Credit Required: Bad
Merrick Bank Credit Card Merrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn MoreMerrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn Moreon issuer's websiteMerrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn MoreMerrick Bank Credit Card
Ongoing Rewards: N/A
Annual Fee: 72 1st yr, $0 after
Min. Credit Required: Bad
Even if you’ve had credit trouble in the past, there are plenty of credit cards with no deposit that offer high approval odds. You can compare the best unsecured credit cards for bad credit of 2025 on WalletHub. Answer from Bianca Smith on wallethub.com Top answer 1 of 5
7
The best credit card for bad credit with no deposit and nearly guaranteed approval is the Indigo Credit Card because it accepts applicants with a credit score as low as 500 and comes with a starting credit limit of $700. You can also check for pre-approval, which lets you know how likely you are to get the Indigo Card.
No credit card offers 100% guaranteed approval, as there is always some criteria that applicants must meet. At a minimum, they must be at least 18 years old and have enough income to afford monthly credit card payments.
Credit Cards for Bad Credit with No Deposit & Good Approval Odds
Indigo Mastercard for Less than Perfect Credit Rates & Fees Indigo Mastercard for Less than Perfect Credit Indigo Mastercard for Less than Perfect Credit Learn MoreLearn Moreon issuer's website Rates & Fees Indigo Mastercard for Less than Perfect Credit Indigo Mastercard for Less than Perfect Credit Learn MoreLearn Moreon issuer's websiteIndigo Mastercard for Less than Perfect Credit Indigo Mastercard for Less than Perfect Credit Learn MoreLearn MoreIndigo Mastercard for Less than Perfect Credit
Ongoing Rewards: N/A
Annual Fee: 49 after
Min. Credit Required: Bad
Credit One Bank Platinum Visa for Rebuilding Credit Rates & Fees Credit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn Moreon issuer's website Rates & Fees Credit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn Moreon issuer's websiteCredit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn MoreCredit One Bank Platinum Visa for Rebuilding Credit
Ongoing Rewards: 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services
Annual Fee: $75 intro 1st yr, $99 after
Min. Credit Required: Bad
Fingerhut Credit Account Fingerhut Credit Account Fingerhut Credit Account Learn MoreLearn MoreFingerhut Credit Account Fingerhut Credit Account Learn MoreLearn Moreon issuer's websiteFingerhut Credit Account Fingerhut Credit Account Learn MoreLearn MoreFingerhut Credit Account
Ongoing Rewards: N/A
Annual Fee: $0
Min. Credit Required: Bad
OneMain Financial BrightWay Card Rates & Fees OneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn Moreon issuer's website Rates & Fees OneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn Moreon issuer's websiteOneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn MoreOneMain Financial BrightWay Card
Ongoing Rewards: 1% cash back on all purchases
Annual Fee: 89
Min. Credit Required: Bad
Merrick Bank Credit Card Merrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn MoreMerrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn Moreon issuer's websiteMerrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn MoreMerrick Bank Credit Card
Ongoing Rewards: N/A
Annual Fee: 72 1st yr, $0 after
Min. Credit Required: Bad
Even if you’ve had credit trouble in the past, there are plenty of credit cards with no deposit that offer high approval odds. You can compare the best unsecured credit cards for bad credit of 2025 on WalletHub.
49 after
Min. Credit Required: Bad
Credit One Bank Platinum Visa for Rebuilding Credit Rates & Fees Credit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn Moreon issuer's website Rates & Fees Credit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn Moreon issuer's websiteCredit One Bank Platinum Visa for Rebuilding Credit Credit One Bank Platinum Visa for Rebuilding Credit Learn MoreLearn MoreCredit One Bank Platinum Visa for Rebuilding Credit
Ongoing Rewards: 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services
Annual Fee: $75 intro 1st yr, $99 after
Min. Credit Required: Bad
Fingerhut Credit Account Fingerhut Credit Account Fingerhut Credit Account Learn MoreLearn MoreFingerhut Credit Account Fingerhut Credit Account Learn MoreLearn Moreon issuer's websiteFingerhut Credit Account Fingerhut Credit Account Learn MoreLearn MoreFingerhut Credit Account
Ongoing Rewards: N/A
Annual Fee: $0
Min. Credit Required: Bad
OneMain Financial BrightWay Card Rates & Fees OneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn Moreon issuer's website Rates & Fees OneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn Moreon issuer's websiteOneMain Financial BrightWay Card OneMain Financial BrightWay Card Learn MoreLearn MoreOneMain Financial BrightWay Card
Ongoing Rewards: 1% cash back on all purchases
Annual Fee: 89
Min. Credit Required: Bad
Merrick Bank Credit Card Merrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn MoreMerrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn Moreon issuer's websiteMerrick Bank Credit Card Merrick Bank Credit Card Learn MoreLearn MoreMerrick Bank Credit Card
Ongoing Rewards: N/A
Annual Fee: 72 1st yr, $0 after
Min. Credit Required: Bad
Even if you’ve had credit trouble in the past, there are plenty of credit cards with no deposit that offer high approval odds. You can compare the best unsecured credit cards for bad credit of 2025 on WalletHub. 2 of 5
5
No such thing. Closest you’ll get are Credit One Platinum Visa and Mission Lane Visa - both specifically designed for rebuilding credit. They're unsecured, so no security deposit needed, but watch for annual fees.
I started with a $500 limit on a similar card years ago while working remotely, and consistent payments got me gradual increases. Just avoid maxing them out - keeping utilization below 30% helps your score climb faster.
BadCredit.org
badcredit.org › home › guides
Guaranteed Approval Credit Cards with No Deposit in 2025 - BadCredit.org
3 weeks ago - Select secured cards: More than one secured credit card, including the opensky® Secured Visa® Credit Card, guarantees no credit check when you apply. In other words, limited, no, or poor credit won’t prevent you from getting these cards.
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5 Credit Cards That Will INSTANTLY Approve You With BAD ...
Guaranteed approval credit cards with $10,000 limits for bad credit with no deposit: do they exist?
Generally, they don’t. Unsecured credit cards for poor credit have low credit limits. But there’s an exception to every rule. Petal 2 “Cash Back, No Fees” Visa and Tomo Credit Card both have credit limits of up to $10,000. Whether you can get it or not will depend on your financial history and other factors.
moneyzine.com
moneyzine.com › home › credit guides › guaranteed approval credit cards
Guaranteed Credit Card Approval No Deposit (12 Best Cards)
What are credit cards for bad credit with guaranteed approval, and how do they work?
Credit cards for bad credit promise approval despite low credit scores but charge high fees and interest rates. Read terms closely and build credit strategically instead of paying these elevated costs.
greendayonline.com
greendayonline.com › home › blog › credit cards for bad credit no deposit with guaranteed approval in 2025
Guaranteed Approval Credit Cards With No Deposit in 2025
What are the eligibility criteria for obtaining a credit card for bad credit with guaranteed approval?
Minimum requirements are typically 18+ years old with any credit score and a steady income source. High fees and rates compensate lenders for risk.
greendayonline.com
greendayonline.com › home › blog › credit cards for bad credit no deposit with guaranteed approval in 2025
Guaranteed Approval Credit Cards With No Deposit in 2025
Capital One
capitalone.com › learn & grow › money management › instant no-deposit credit card
No-deposit credit cards with instant approval and use
Credit card issuers that advertise no credit checks could ask for other information to evaluate applications. Instead of reviewing creditworthiness, the issuer may check employment history or ask for proof of income. These types of cards might also require security deposits. There’s no way to guarantee that you’ll receive instant approval for a credit card.
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › bad-credit.html
Credit Cards for Rebuilding Credit - Mastercard
Available to Gig Workers, Contractors and other small business owners. Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms. Zero Fraud Liability – Peace of mind that comes with having a Mastercard. No security deposit, just purchasing power.
Moneyzine
moneyzine.com › home › credit guides › guaranteed approval credit cards
Guaranteed Credit Card Approval No Deposit (12 Best Cards)
December 16, 2024 - Even if you deposit $100, and use all of it this month, it’s not going to ruin your credit. There are no fees, no interest charges, and the card encourages you to spend the money you already have. Perfect for building your credit fast. You’ll need a Chime checking account to qualify for this credit card, but you can apply for one in a matter of minutes. They won’t run a credit check when you apply, which practically guarantees an instant approval.
CardRates
cardrates.com › home › advice
4 Guaranteed-Approval Credit Cards With No Deposit (Nov. 2025)
November 10, 2025 - ... A guaranteed $700 credit limit to help get your financial goals on track, if approved. Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms. No security deposit, and a path to better credit.
LinkedIn
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Guaranteed Approval Credit Cards with $10000 Limits for ...
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Greendayonline
greendayonline.com › home › blog › credit cards for bad credit no deposit with guaranteed approval in 2025
Guaranteed Approval Credit Cards With No Deposit in 2025
March 12, 2024 - The Fingerhut Credit Card is a great option for those with bad credit who want to build their credit score. The card offers no deposit requirements, instant approval, fraud protection, cashback rewards, flexible payment options, and low-interest ...
New Horizon
newhorizon.org › home › info › guaranteed approval credit cards
Guaranteed Approval Cards ~ Bad or No Credit
June 4, 2025 - When you click on the “Apply Now ” button you can review the credit card terms and conditions on the credit card issuer’s web site. Get a prepaid card. What’s good about this program is that you can get instant approval, no matter what your credit score might be.
Spokeo
management.org › home › comprehensive guide to guaranteed approval credit cards with no deposit
16 Best Guaranteed Approval Credit Cards with No Deposit
December 20, 2023 - Guaranteed approval credit cards with no deposit target an individual with a minimum credit score, often aiming at those with less-than-ideal credit histories or scores below the 600 mark, sometimes even extending to applicants under 500.
CreditCardGenius
creditcardgenius.ca › blog › guaranteed-approval-credit-cards
Guaranteed Approval Credit Cards For Canadians
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Creditcards360
creditcards360.ca › bad-credit
Best Credit Cards for Bad Credit in Canada 2025
July 12, 2023 - Using a prepaid card offers the convenience of a credit card network without any approval process required. What is the difference between a secured and unsecured credit card? A secured credit card is one that requires a deposit. An unsecured credit card does not require a deposit.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › credit cards › instant approval credit cards may not offer what you seek
Instant Approval Credit Cards vs. Instant Use vs. Guaranteed Approval - NerdWallet
Credit cards that guarantee approval don't really exist. U.S. federal law prohibits lenders from extending credit to someone unless they think the person has the ability to make payments.
Published August 19, 2025
Netspend
netspend.com › blog › guaranteed-approval-cards-for-bad-credit
“Guaranteed Approval” Cards for Bad Credit: Things to Know
July 31, 2024 - But if you don't have the money for a security deposit, you may want to consider an unsecured card that offers guaranteed approval with bad credit instead. Guaranteed approval cardsoffer access to credit that may not have existed before, but ...
CardRates
cardrates.com › home › advice
7 Easy Approval Credit Cards with No Deposit (2025)
August 8, 2025 - These cards don’t require a deposit, and you can apply for the card of your choice and receive a credit decision in a matter of minutes. ... You can access the online application for every unsecured card below by clicking on the card’s name or the Apply Now button. Each application takes only minutes to complete, and you can receive instant approval from the card issuer if you qualify.
CreditNinja
creditninja.com › home › credit cards with $2000 limit with guaranteed approval
Credit Card With $2000 Limit With Guaranteed Approval | CreditNinja
September 26, 2025 - Here are some characteristics that guaranteed approval credit cards typically have: They are usually secured, which means that you will have to have a deposit in order to secure these options. This helps protect the credit card issuer. There are usually no hard credit checks.
Discover
discover.com › card smarts › getting a credit card › instant approval credit cards for bad credit
Instant Approval Credit Cards for Bad Credit | Discover
February 21, 2025 - As long as you use a secured card responsibly, it may act as a credit builder, improving your odds of instant approval for future credit card applications. ... Secured credit cards require a refundable security deposit at account opening.
Creditavenue
creditavenue.ca › guaranteed-easy-to-get-credit-cards-with-instant-approval-in-canada
Guaranteed, Easy to Get Credit Cards with Instant Approval in Canada
Neo’s first secured credit card differs from its counterparts as it demands no monthly or annual fees. No matter the credit score or history Neo guarantees approval without conducting any hard credit checks. A low security deposit of $50 is also great for anyone who wants to begin building ...
Citi
citi.com › credit cards › credit knowledge center › understanding credit cards › can you get a credit card with no deposit?
Can You Get a Credit Card With No Deposit? | Citi.com
May 30, 2025 - Unsecured credit cards don’t require a deposit. Most credit cards are unsecured. Because they don’t require a security deposit, and lenders must approve your application based on creditworthiness and personal financial factors, unsecured ...
Chase
chase.com › education center › credit cards › credit card basics
Starter Credit Cards Without a Deposit | Chase
November 8, 2023 - Discover some useful information for those new to credit cards.