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Instant Approval Credit Cards

3.8 - 15 reviews for top rated card - Over the Past 60 Days!

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Instant Approval Credit Cards for Bad Credit
  • Compare the best instant approval credit card offers from our partners
  • Expert and Independent ratings & consumer reviews for instant approval credit cards for bad credit holders
  • Secure and immediate online application process

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Your Rating:

3.8/5.0 from 15 Cardholder Reviews Over the Past 60 Days!

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Free Credit Bureau Reporting

Credit Line

$300 - $2,000 Credit Line*

Regular Purchase APR

11.99% (Variable)*

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Intro Purchase APR No intro APR
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 11.99% (Variable)
Annual Fee: $44
Credit Needed:
No Credit

Credit cards for no credit are intended for those without an established credit score.

Get Your Free Score!
  • Click "APPLY NOW" to apply online
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms
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Your Rating:

3.1/5.0 from 7 Cardholder Reviews Over the Past 60 Days!

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Get Paid 2 Days Faster

Direct Deposit Allows you to Access Money 2 Days Earlier

Prescription Discounts

Get up to 55% Off Prescriptions

Instant Approval

No Credit History Needed

Sign Up Offer
Intro Purchase APR No intro APR
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: N/A
Annual Fee: See Terms*
Credit Needed:
Bad Credit

Credit cards for bad credit are intended for those with a credit score of 599 or Lower.

Get Your Free Score!
  • Click "APPLY NOW" to apply online
  • Get Your paycheck and tax refund faster with direct deposit
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.
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Updated on

Instant Approval 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 approval 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 credit cards for bad credit 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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