Maria Adams, Credit Cards Moderator
@m_adams
The Petal® 2 Visa® Credit Card is the best credit card for no credit with instant approval. You may get approved right away if you apply online and clearly meet the approval requirements, and you can earn 1 - 1.5% cash back on all eligible purchases without paying an annual fee.
Best Credit Cards for No Credit with Instant Approval
Ongoing Rewards: 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time
Purchase Intro APR: Not Offered
Annual Fee: $0
Credit Score: Limited History
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases
Purchase Intro APR: Not Offered
Annual Fee: $39
Credit Score: Limited History
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1.5% cash back on all other purchases
Annual Fee: $0
Credit Score: Bad
Ongoing Rewards: N/A
Annual Fee: $0
Credit Score: Bad
Ongoing Rewards: N/A
Annual Fee: $0
Credit Score: Bad
Key Things to Know About Getting a Credit Card with No Credit
With no prior credit history, approval will depend more on whether you can afford to make and pay off purchases when you apply. So your income is going to be a large factor, and doing anything you can to boost it 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, a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and a U.S. bank account for payments.
How to Increase Your Approval Chances
Just remember that no card can guarantee instant approval 100% of the time. 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. If you want to increase your approval chances, you could always become an authorized user on someone else’s card to create a positive credit history.
Popular Credit Cards That Offer Instant Approval from Our Partners
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No Credit Check
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Bad Credit
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Good Credit
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No Deposit
Emma Rodriguez, Member
@emmarod
For Students: Capital One Savor (student version)
For Everyone Else: Capital One Platinum / Petal 2
You could go for a secured card if you’re nervous about getting approved, but I don’t think you need to go there yet. Maybe a backup plan.
Hannah Gray, Member
@hannah_gray_att
- Petal
- Cap 1 Platinum
- Cap 1 QuicksilverOne
Any of those will do the trick!
Christopher Ross, Member
@c_ross_writer
Any starter, secured or student card should give you instant approval. Try these:
- OpenSky Secured Visa: No hard pull, easy approval.
- Capital One Platinum Secured: Pre-qualify online, decent limits.
- Discover it® Secured: Cashback + no annual fee.
- Chase Freedom Rise: Newbie-friendly, but needs a Chase account.
- Petal® 2 Visa: Uses banking history instead of credit.
Joseph Allen, Member
@joe_allen_mn
Just apply online for a starter card and make sure you fill out the application correctly. You don’t need to get fancy.
Ryan Adams, Member
@radams_sports
Instant approval is pretty much always on the table if you apply online, so just pick the best card for no credit overall. I like the Petal cards. If you really want instant use capabilities, and not just instant approval, try Capital One.
Brian Phillips, Member
@brian_phillips8
I remember opensky Secured Visa didn't even have a credit check, so you could try them.
Cammie Sarson, Member
@cammie_sarson
I don't think there are credit cards where you can actually get instant approval. Your best bet is with a secured card. Those should be the easiest/fastest to get, as long as you provide the security deposit, of course.
People also ask
What are the best credit cards you can instantly use after approval?
The best credit card you can use instantly after approval is the Capital One Venture Rewards Credit Card (see details, rates & fees). When you apply online, you can get approved for this credit card in seconds, get the card number immediately after, and start using it to make purchases right away.
The Capital One Venture (see details, rates & fees) card offers 2 - 5 miles per $1 spent on purchases and an initial bonus of 75,000 miles for spending $4,000 on purchases within 3 months from account opening. The card also has a $95 annual fee (see details, rates & fees) and requires at least good credit for approval.
...
read full answer by Evelyn Boros, Credit Cards ModeratorWhat's the easiest credit card to get with no credit?
The opensky® Plus Secured Visa® Credit Card is the easiest credit card to get with no credit history. There's no credit check, so approval is almost guaranteed if you're at least 18 years old and can afford the $300+ refundable security deposit, along with the monthly bill payments.
Easiest Credit Cards to Get with No Credit
One of the easiest unsecured credit cards to get with no credit or limited credit history is the Petal® 2 Visa® Credit Card. It has a $0 annual fee, doesn't require a security deposit, and rewards you with 1 - 1.5% cash back on purchases. Keep in mind that easy approval does not mean guaranteed approval.
At the end of the day,...
read full answer by Maria Adams, Credit Cards ModeratorWhat are the best credit cards for bad credit with no deposit and instant approval?
The best credit card for bad credit with no deposit and instant approval is the OneMain Financial BrightWay® Card. It comes with a credit line of at least $300 and offers 1% cash back on all purchases. You can also apply online, after checking to see if you're pre-approved. However, the OneMain Financial BrightWay® Card is not available in all states.
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
Minimum Credit Limit: $500
Ongoing Rewards: 2% Cash back on every payment
Annual Fee: $0
Credit Score: Bad
Minimum Credit Limit: $300
Ongoing Rewards: 1% cash back on all purchases
Annual Fee: $0 - $89
Credit Score: Bad
Minimum Credit Limit: N/A
Ongoing Rewards: 5% cash back on subscriptions (such as Netflix and Hulu), and 3% cash back on gas, food delivery, coffee shops and more
Annual Fee: $0
Credit Score: Bad
Minimum Credit Limit: $300
Ongoing Rewards: 1% cash back on all purchases, after paying the card’s bill
Annual Fee: $75 1st yr, $48 after
Credit Score: Bad
Keep in mind that unsecured credit cards for bad credit tend...
read full answer by Adrian Kaplan, WalletHub Credit Card ConsultantDid we answer your question?
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