When your credit is less than perfect but with Christmas fast approaching and you still need a little help buying items each month, you can apply for credit cards with guaranteed or instant approval. These cards allow you to re-establish your credit, but they typically come with above-average interest rates and fees.

Sequin KLS Prepaid Visa RushCard

This card is a prepaid debit card for people who have been declined a checking account due to poor credit. It offers instant approval and extremely fast delivery. With the Sequin KLS Prepaid card, you can receive government benefits payments up to two days in advance using the card’s special Direct Deposit program. It works with more than 23,000 ATMs across the country, and no fee is charged to check your balance or withdraw a sum. Because it is a Visa card, it’s accepted almost everywhere, and your money is protected by fraud protection as well as against being lost or stolen. You can easily transfer money to other people with this card, and all your funds are FDIC-insured, just like money in a traditional bank account.

Horizon Gold Card

The Horizon Gold Card is a credit card with guaranteed approval for any applicant, even those with bad credit. The company offers a guaranteed initial, unsecured credit limit of $500 with no credit check. However, the Horizon Gold Card can only be used in specific Horizon retail outlets, and the purchases you make aren’t always reported to the credit bureau. Therefore, you may not be able to easily re-establish your credit, although you can still use the card to afford some extra items each month. There is an annual fee of $24.95 that is charged to your account, and it comes with an introductory APR of 0.0 percent. When applying for the Horizon Gold Card, your employment and references are not checked.

Suede KLS Prepaid Visa RushCard

This card is almost the same as the Sequin KLS Prepair Visa RushCard, but it’s the Suede version of the RushCard line. The only difference between this card and the Sequin card is that the Sequin offers 23,000 free ATMs throughout the country and the Suede version does not. However, the Suede card still offers Direct Deposit for government benefits payments, and it provides the standard FDIC insurance. Your money is protected from loss, theft and fraud, and you can use the Suede card anywhere Visa is accepted.

Primor Secured Visa Classic Card

Primor is an instant-approval card with a secured balance for people with bad credit. It has an annual fee of $39 and a somewhat high APR of 13.99 percent. There is no credit or background check, and because it reports to all the major credit bureaus, you can use it to re-establish your credit after major debt or bankruptcy. They offer guaranteed approval to anyone who earns at least $100 more per month than they pay in bills. It’s a pretty good deal for anyone looking to work up to an unsecured card with no annual fee and low APR.