John S Kiernan, Managing Editor
@John
The best instant approval credit cards for fair credit are the Capital One Platinum Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card. Both of these Capital One cards are available to people with limited or fair credit, and you can easily apply for them online and get an instant decision. Just keep in mind that instant approval only means your application can be evaluated in real time and you may get an instant decision. This does not guarantee approval, as applicants can still be denied if they don't meet the card's requirements.
The Capital One Platinum is best for people who want a $0 annual fee and doesn’t offer rewards. On the other hand, Capital One QuicksilverOne gives unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases, but has a $39 annual fee.
Best Credit Cards for Fair Credit with Instant Approval
- Credit Building: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
- Cash Back Rewards: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn More
- Rewards for Average Credit: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Student Rewards: Capital One Quicksilver Student Cash Rewards Credit CardCapital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn More
Applicants with fair credit will have a shot at getting instant approval for these credit cards. If you don't know where you stand, you can check your credit score for free, right here on WalletHub.
Just keep in mind that some issuers make take longer to reach a decision regarding applications that require additional review. Aside from your credit score, other factors, such as your income, existing debt, and general ability to make credit card payments will be taken into consideration.
If you get a credit card for fair credit and keep your account in good standing, you can improve your credit score and set yourself up for access to some of the best credit card deals on the market.
2023's Best Instant Approval Credit Cards
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Barbara Fleischer, Member
@barb_fleischer
I know Amazon gives instant decision for their Amazon.com Store Card. If you're into shopping there, you can't go wrong with that.
Motley Grasse, Member
@motley_grasse
I think all credit cards for fair credit are unsecured, but I don't know of any that have instant approval. They're pretty easy to get, but there's still a process you have to go through. That being said, my favorite is the Capital One QuicksilverOne Cash Rewards Credit Card. It does have an annual fee but it's pretty small, and I love cash back.
People also ask
What's the easiest unsecured credit card to get approved for?
One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit because you can get approved for it even with bad credit. This card offers a $300 starting spending limit, and you can use it wherever Visa is accepted.
Easiest Unsecured Credit Cards to Get Approved For
- Credit One Bank® Platinum Visa® for Rebuilding Credit: Bad Credit
- Capital One Platinum Credit Card: No Credit
- Capital One SavorOne Student Cash Rewards Credit Card: Students
- Capital One Spark Classic for Business: Small Business
The easiest unsecured credit cards to get...
read full answerHow do I get a $500 credit card limit with bad credit?
The best way to get a $500 credit card limit with bad credit is to open a secured credit card account and put down a $500 security deposit. A secured card’s credit limit is generally equal to the amount of the deposit. Most secured cards require a refundable deposit of at least $200-$300. A bad credit score will make it difficult to get a $500 credit card limit without placing a $500 deposit.
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read full answerAre there any instant approval and use credit cards for bad credit?
Yes, there is an instant approval and use credit card for bad credit. With the Fingerhut Credit Card, you’ll get an instant decision, and you can use it right after approval. However, the Fingerhut Credit Card is only accepted at Fingerhut and its partners.
Credit cards that allow instant use are very rare. Plus, almost all of them require fair credit or better. However, there are plenty of credit cards for bad credit you can get instantly approved for....
read full answer
Morty Zachos, Member
@morty_zachos
Anything from Cap One has instant approval. As far as average credit goes, they're usually for good score, so if you don't have anything above 700, try the Amazon.com Store Card.
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