Instant Approval Credit Cards

  • Compare the best instant approval credit card offers which provide a decision shortly after an application is submitted
  • Expert and Independent ratings & consumer reviews for instant credit cards
  • Secure and immediate online application process
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Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

N/A*

Balance Transfer:

N/A*

Ongoing Information

Regular APR:

See terms*

Annual Fee:

See terms*

Credit Needed:

Fair/Bad Credit*

More Details

Highlights

  • The Continental Finance Matrix Discover® credit card accepts individuals of all credit types
  • No application fees or processing fees
  • Use your card at locations everywhere Discover® is accepted
  • Free online account access 24/7
  • Fast and easy application process; results provided in seconds
  • Build positive credit by making monthly payments on time
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Apply Securely

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

N/A*

Balance Transfer:

N/A*

Ongoing Information

Regular APR:

See website*

Annual Fee:

See website*

Credit Needed:

Fair/Bad Credit*

More Details

Highlights

  • Must have checking account to qualify
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • Responsible account management (making timely monthly payments with all creditors and keeping balances within the limits) may help rebuild credit history
  • Reports your credit history to the major Consumer Reporting Agencies
  • This is a credit card - not a debit or prepaid card
  • A Gold credit card offer for those with less than perfect credit.
  • Apply for a credit card today - Get a response today!
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Apply Securely

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

N/A

Balance Transfer:

N/A

Ongoing Information

Regular APR:

11.99% (Variable)

Annual Fee:

$44

Credit Needed:

Bad

More Details

Highlights

  • Nationwide Program - though not yet available in NY, IA, AR, or WI
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Get Your Deposit Back at Any Time
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • No Credit History or Minimum Credit Score Required for Approval
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • 24/7 Access to Your Account Online
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Apply Securely

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

N/A*

Balance Transfer:

N/A*

Ongoing Information

Regular APR:

See Website*

Annual Fee:

See Website*

Credit Needed:

Fair/Bad Credit*

More Details

Highlights

  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
  • Optional Payment Protection Available
  • A credit card offer for those lacking perfect credit.
  • You may be able to reestablish your credit history by making timely minimum payments with all creditors and keeping your account balances below the credit limits
ribbon

Apply Securely

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

N/A

Balance Transfer:

N/A

Ongoing Information

Regular APR:

N/A

Annual Fee:

None

Credit Needed:

No Credit

More Details

Highlights

  • Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
  • Safer than carrying cash, use everywhere Visa debit cards are accepted.
  • Choose from multiple fee plan options, and switch for free.
  • Conveniently send money to family and friends with card to card transfers.
  • Free 24/7 customer service.
  • Members now have access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance -- free of charge.
ribbon

Apply Securely

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

N/A*

Balance Transfer:

N/A*

Ongoing Information

Regular APR:

See website*

Annual Fee:

See website*

Credit Needed:

Fair/Bad Credit*

More Details

Highlights

  • Must have checking account to qualify
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • Acceptance at millions of locations worldwide (subject to available credit)
  • Credit card responses in 60 seconds or less
  • Optional Payment Protection Available
  • No security deposit required
ribbon

Apply Securely

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

N/A*

Balance Transfer:

N/A*

Ongoing Information

Regular APR:

See website*

Annual Fee:

See website*

Credit Needed:

Fair/Bad Credit*

More Details

Highlights

  • Must have checking account to qualify
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • Once your account is open, you may have the chance to personalize your credit card
  • Accepted at millions of locations nationwide, including online purchases (subject to available credit)
  • You may be able to rebuild your credit history if you do the following: make on-time monthly payments and keep your balances under the limits with all your creditors.

Updated on

Instant Credit Cards

Most people searching for a credit card need one right away, not a year from now when their credit has improved or two years from now when the job market has become stronger. There are specific credit card companies which understand this, and they offer instant approval credit cards for people with bad credit, damaged credit, or those who are just starting out and have a limited or no credit history. If you are hoping to find a credit card for no credit approval – and an online application process that is quick and secure – then you’re in the market for one of these instant approval credit cards.

As part of the process for instant decision credit cards, some issuers mandate a non-refundable application fee, and there could be a monthly service charge of anywhere from $2-$15 for use of the card. Most of them – with the exception of one or two that have super steep interest rates and fees – are referred to as prepaid credit cards, which means that you deposit your own cash into your credit card account. As you use the card to make purchases that cash is deducted from your account, and when it is depleted your card will no longer work until you refresh the account by adding more money to it. Prepaid card companies often charge you small service fees of anywhere from 25 or 50 cents to several dollars each time you do things like check your card balance, use the card at an ATM machine, add funds to the account, or talk to a customer service representative. Remember that if you use your instant credit card responsibly then a prepaid card can be the first big step toward building or rebuilding your credit and going from bad credit to good credit. That way you can leverage this kind of card toward the goal of getting your own lower cost conventional credit card – like those listed in other sections of this site. For those whose goal is to manage their money better and improve their credit, many instant approval cards have free online services to help you pay bills automatically and on time, balance your household budget, or see exactly where the money you spend goes each month.

Study the reviews of these cards and read our free articles about how to manage credit and improve your credit worthiness, and then choose your card of choice as a better informed and educated consumer.

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