Even credit cards for no credit have instant approval if you apply online and clearly meet the approval requirements. But no credit card approves applicants instantly 100% of the time. Some applications always require a closer, longer look. Some people will be instantly rejected too. That’s likely to be the case for people with bad credit who apply for credit cards for no credit. And with that said, let’s look at some of the best credit cards for people with no credit, which you could get instantly approved for (but may not).
Here are credit cards for no credit that may have instant approval:
Capital One Platinum. This card doesn’t offer rewards, but it also doesn’t charge an annual fee. It’s a great card to build credit, and you can get access to a higher credit line if you pay on time for 5 months.
Capital One QuicksilverOne. You get 1.5% cash back on all purchases. And now through April 2018 you can get 50% back on Spotify Premium subscriptions. But there’s a $39 annual fee.
Journey Student Rewards from Capital One. You can apply if you’re a student. You get 1% cash back on everything, or 1.25% if you pay on time. There’s no annual fee, and you can get a higher credit line after paying on time for 5 months.
OpenSky Secured Visa. This card doesn’t even run a credit check, so its approval odds are very high. You just need to place a security deposit of at least $200 that will serve as your credit line. There’s a $39 annual fee.
There are a lot of other WalletHub community members who have talked about instant approval in their reviews of these cards. For example, @ryank, who has a Capital One Platinum, said "I got the application in the mail, filled it out online and was instantly approved.” And @rj.rodman.1 left this comment about Journey Student Rewards: “This card was very easy to qualify for; I had never had a credit card before and was accepted right away.”
Since you don’t have any credit history yet, your approval is going to hinge more on whether you can afford to make purchases and pay them off. In other words, your income is going to be a large factor, so doing anything you can to boost that will help. You’ll also want to make sure you have all other necessary details in order. For example, you’ll probably need a U.S. mailing address, SSN or ITIN, and U.S. bank account for payments.
While you could get instantly approved for any of these no-credit credit cards, it’s also possible that the issuer could take more time, even up to a month, to make a final decision. Again, no card can guarantee instant approval 100% of the time. If you want to increase your approval chances by having a positive credit history, you could always become an authorized user on someone else’s card and make some purchases with it.