With the many credit card companies that exist it is really hard to know what type of card to apply for.  If you are someone who has been rejected for a credit card in the past you may be a little hesitant to try again.  The good thing is with a little research and understanding you can find credit cards that offer guaranteed acceptance.  These cards allow you to turn in an application no matter what your current financial condition is and get approved.  There are a few terms and conditions you should pay attention to.  If you have been convicted of credit card fraud or a few other things the terms and conditions say they can refuse you.  The credit cards guaranteed acceptance just means that if you are in a bad credit history spot and high risk you can still get a card.

In some cases the card advertised is not going to be the one awarded.  Most of the advertisements are trying to entice you into the card company.  They still reserve the right to offer an appropriate interest rate.  The interest rate is going to be higher if you have had credit arrears in the last year or two.  Some cards state that you must be out of arrears for at least a year before applying in order to have the guaranteed acceptance work.  Here are a few of the cards on the market that guarantee acceptance.

Virgin Credit Cards, primarily in the UK offer guaranteed acceptance.  They are a prepaid credit card.  This means there will not be an interest rate for the card.  This is one of the reasons they have a 100% guaranteed acceptance.  You see with this particular company you are not getting a line of credit, but setting up an actual account with a balance.  The risk is towards you rather than the company.  These cards tend to have a hefty fee for start up as well as transactions and reloads.  The good news is with some of the prepaid cards if you have direct deposit you are able to save in the fees.  Other choices in prepaid cards are Bread, Tuxedo, Orchard, and Continental.

First Premier, Orchard, and Centennial are three credit card companies that will offer you guaranteed acceptance for credit cards, but they are not going to be prepaid deals.  They will offer you a higher interest rate to allow for the card to be awarded when you have credit arrears.  They are also going to ask for an annual fee.  The annual fee is usually between 48 and 79 dollars depending on the card.  This fee helps to reduce the interest rate a little bit, but it also shows the company you are willing to pay for the card in order to be accepted.

There are a few cards that will not offer an annual fee, but offer the guarantee of acceptance.  It is best to do complete research before you apply for any credit cards.