Just about any credit card you can apply for online may offer instant approval, but it’s never guaranteed. Instant approval usually happens when an applicant more than meets a card’s requirements. But some applications will need closer scrutiny, causing the process to take a bit longer.
To increase your chances of instant approval when applying for a credit card, check your credit score to make sure it exceeds the card’s minimum required score. In addition, it’s a good idea to check for pre-approval if the card issuer allows it. If you’re pre-approved for a card, your chances of instant approval are very high. Having a high income will also improve your odds.
Finally, it’s worth noting that you won’t be instantly approved for a credit card if the credit report(s) that the issuer tries to check are locked or frozen.
The Capital One Platinum Credit Card is best for people who want a $0 annual fee, but it doesn’t offer rewards. On the other hand, Capital One QuicksilverOne Cash Rewards Credit Card gives unlimited 1.5% Cash Back on all purchases but has a $39 annual fee.
You may be able to qualify for the The Amex EveryDay® Credit Card from American Express if your score is close to good and you have a decent income. Great card and they even provide you with your card details instantly, so you will be able to use your credit right away. No annual fee and a good rewards system too.
The easiest unsecured card to get approved for is the Fingerhut Credit Account. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So, while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Easiest Unsecured Credit Cards to Get Approved For
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.
The best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.… read full answer
If you’re not sure where to start looking for secured credit cards for a 600 credit score, WalletHub has picked out a few examples of popular offers.
The easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit. Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also means you should choose your card based on where you shop the most and which offers the most rewards, since there isn’t much of a difference in their approval requirements. Let’s take a look at a few good options.… read full answer
Here are some of the easiest department store credit cards to get:
Target Credit Card: For people with fair credit. 5% discount at Target and Target.com. Returns extended by 30 days. Free shipping. $0 annual fee.
Walmart® Store Card: For people with fair credit. 2 - 5 points per $1 on Walmart purchases and Walmart & Murphy USA Fuel Stations. $0 annual fee.
Kohl's Credit Card: For people with fair credit. 35% discount on your fist purchase. 5% cash back on every qualifying purchase made at Kohl. $0 annual fee.
JCPenney Credit Card: For people with fair credit. 1 point / $1 on qualifying purchases. Discounts on select items. Annual fee: None.
Amazon.com Store Card: For people with fair credit. 5% cash back at Amazon.com if you have a Prime account. $10 gift card after approval. $0 annual fee.
There are plenty of other department store cards with great deals too. For example, TJX, Saks Fifth Avenue and Sears all give savings and perks that are worth looking at. Just remember that department store credit cards can only be used at the store that issued them (and sometimes affiliates), so apply for a card from somewhere you know you’ll shop on a regular basis.
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 QuicksilverOne Cash Rewards from Capital One. It does have an annual fee but it's pretty small, and I love cash back.
No better option that the Cap One Platinum imh. If you plan on using your card a lot, and make the $39 annual fee worth it, go with the QuicksilverOne. Good luck!
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