Guaranteed Credit Card Approval Offers

Even if most of us don’t know our exact credit scores, we know whether our credit histories are excellent, good or poor. For those who know their credit scores are less than ideal, you may believe approval for a credit card is next to impossible. It’s true that rebuilding your credit can be difficult and time consuming, but it is possible. Here are a few guaranteed approval credit card offers that can help you as you rebuild your credit. The sooner you get started, the quicker you will have re-established your credit.

Gettington Shopping Card

This is a relatively new player in the market that caters to those looking to build or rebuild their credit. This shopping card can be used only on the Gettington website, though it offers convenience, your choice of payment dynamics and name brand merchandise you’re most familiar with. Depending on which option you pay with (3 monthly payments versus 9 monthly payments), the APR is reasonable. There are no annual fees and no over the limit fees. Apply online for an instant decision.

BuyRIGHT Prepaid Mastercard

This is an impressive credit card offer on several fronts. It has a rewards program that allows users to select their categories. A few of those categories include iTunes, Starbucks, RedBox and even cash. Also, you’ll like the idea of free direct deposit, no credit check, no APR and no annual fee. This prepaid MasterCard is offered through Meta Bank.

Secured Platinum Zero Visa Credit Card

This credit card lives up to its name with no application fees, zero APR rates on purchases (9.99% on cash advances), zero hassles and zero annual fees. One thing worth noting, however, is the $500 minimum balance that’s required. That said, this credit card network reports to credit bureaus, which allows you to rebuild your credit, even if you have a bankruptcy in your credit history. The application process is easy, approval is quick and it too offers a solid way to build or rebuild your credit history. A monthly maintenance fee of $9.95 applies.

AccountNow Prepaid MasterCard

This is also an offer that doesn’t require a credit check. It’s an alternative many have embraced as they sought to improve or begin their credit histories. Along with no credit check, there is also no activation fee or annual fee associated with this prepaid MasterCard. Instead of an annual fee, you can choose either the Classic or Premium Plans, though each has its own monthly fee. Other perks include twenty four hour access to your account, which makes it easy to track purchases, payments and other activity. This offer too has free direct deposit.

Public Savings Open Sky

Offered by the Public Savings Bank, the OPEN SKY Secured Visa has a slightly different approach than its competition. There’s no requirement that you have a bank account as there are several ways of funding your account when you need to. This prepaid card reports to all three of the credit bureaus, as well. There is a $50 annual fee, but there are no monthly maintenance fees, so it balances out in comparison to other offers that do have monthly fees. This card will allow a credit limit of up to $250,000.

There exists many credit card offers that are designed to help consumers get back on track – and these offers are growing in leaps and bounds as Americans continue to rebuild following an especially devastating few years.

We always encourage consumers to be pro-active when shopping for credit card offers. It’s important to understand the terms and conditions as well as the fee structures and information regarding any perks or benefits. If you know what you’re applying for, making your choice is easy. If you haven’t requested a copy of your credit reports over the past year, that’s always a good place to start so that you move forward fully aware of any limitations your scores present. Legally, you are entitled to a free credit report from the three major credit bureaus every year. You can visit the Equifax, Experian and TransUnion. With those in hand, you can see how your past buying habits have affected your present credit scores. With a realistic game plan, you’re prepared to move forward.

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