Adrian Kaplan, WalletHub Credit Card Consultant
@kaplanlier11
The best credit card for bad credit with no deposit and instant approval is the Credit One Bank® Platinum Visa® for Rebuilding Credit. The Credit One Visa comes with a credit line of at least $300 and offers 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. It charges an annual fee of $75 intro 1st yr, $99 after and is available to people with bad credit. You can apply online, after checking to see if you're pre-qualified.
Keep in mind that while there is a possibility of instant approval with most cards you can apply for online, it’s never guaranteed. Instant approval tends to happen when your credit and income are better than the card’s requirements. Sometimes, issuers may take longer to review a credit card application. There are a few other credit cards for bad credit with no deposit (known as unsecured cards) with instant approval, that are worth considering.
Best Credit Cards for Bad Credit with No Deposit and Instant Approval
- Credit One Visa: 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. $75 intro 1st yr, $99 after annual fee. Minimum credit limit of $300. Requires pre-qualification before applying.
- Milestone® Mastercard®: No rewards. $175 1st yr; $49 after annual fee. Monthly fee of $0 1st yr, $12.50 after. Minimum credit limit of $700.
- Indigo® Mastercard® for Less than Perfect Credit: No rewards. $0 - $99 annual fee, depending on your credit. Minimum credit limit of $300. Requires pre-qualification before applying.
- Fingerhut Credit Account: No rewards. $0 annual fee. Minimum credit limit varies based on the specifics of your credit. Can only be used on shopping from the Fingerhut catalog.
Keep in mind that unsecured credit cards for bad credit tend to be more costly and less rewarding than their secured counterparts. Make sure you keep your account in good standing by paying your balance on time and preferably in full, every month. This will allow you to improve your credit score and gain access to some of the best unsecured credit cards over time.

Credit One Bank® Platinum Visa® for Rebuilding Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
heatherpeoples304, Member
@heatherpeoples304
The best credit card for bad credit with no deposit and instant approval is the Credit One Bank Platinum Visa for Rebuilding Credit. The Credit One Visa comes with a credit line of at least $300 and offers 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. It charges an annual fee of $75 intro 1st yr, $99 after and is available to people with bad credit. You can apply online, after checking to see if you're pre-qualified.
Keep in mind that while there is a possibility of instant approval with most cards you can apply for online, it%s never guaranteed. Instant approval tends to happen when your credit and income are better than the card%s requirements. Sometimes, issuers may take longer to review a credit card application. There are a few other credit cards for bad credit with no deposit (known as unsecured cards) with instant approval, that are worth considering.
Best credit cards for bad credit with no deposit and instant approval:
- Credit One Visa: 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. $75 intro 1st yr, $99 after annual fee. Minimum credit limit of $300. Requires pre-qualification before applying.
- Milestone Mastercard - Less Than Perfect Credit Considered: No rewards. $35 - $99* annual fee, depending on your credit. Minimum credit limit of $300. Requires pre-qualification before applying.
- Indigo Mastercard for Less than Perfect Credit: No rewards. $0 - $99 annual fee, depending on your credit. Minimum credit limit of $300. Requires pre-qualification before applying.
- Fingerhut Credit Account: No rewards. $0 annual fee. Fingerhut catalog.
Keep in mind that unsecured credit cards for bad credit tend to be more costly and less rewarding than their improve your credit score and gain access to some of the best unsecured credit cards over time.
Argan Exsar, Member
@argan_exsar
Yes, there are. One of them is the Credit One Bank® Platinum Visa® for rebuilding credit, which even gives you 0 - 1% cash back on your purchases.
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