Instant Approval Credit Cards

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
Trust & Security
  • Norton Secured
  • BBB logo
  • DigiCert

Over 1,250,000 cardholders since 2005

As Seen In
  • CNN Money logo
  • The Wall Street Journal logo
  • USA Today logo
  • The New York Times logo
  • PBS logo
  • Forbes logo
  • CBS Marketwatch logo
Credit Card Calculators
PBS logo

Payoff | Balance Transfer

Credit Banner
Find Your Credit Score for Free
  • 100% Free Credit Score
  • Never Enter a Credit Card
  • Actively Manage Your Credit Health
Get Your Free Score Now
Calculator iconCredit Card Calculators
Pay Off Your Credit Card Balance

Estimate your monthly payments toward fully paying off credit card balances

Credit Card Payoff Calculator
Lower Interest Payments

Find out how much money in interest payments you can save by transferring an exisiting credit card balance to a lower interest rate credit card.

Balance Transfer Calculator

First Progress Platinum Prestige MasterCard® Secured Credit Card


Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 14 Cardholder Reviews Over the Past 60 Days!

Improve Your Credit Score

Free Credit Bureau Reporting

Credit Line

$300 - $2,000 Credit Line*

Regular Purchase APR

11.99% (Variable)*

Annual Fees


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

NetSpend® Visa® Prepaid Card


Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.3/5.0 from 60 Cardholder Reviews Over the Past 60 Days!

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

Annual Fees

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.

Share your experiences, tips and tricks with us!

Let others learn from your experience. Ask questions. Share your thoughts and opinions about credit cards.

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
card loader

Sort by:

Picture of Angetnete Lee

By: | Nov 15, 2014


These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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.