Chip Lupo, Credit Card Writer
@CLoop
The best instant approval student credit card is the Bank of America® Unlimited Cash Rewards credit card for Students. It offers 1.5 - 2% cash back on all purchases as well as an initial bonus of $200 after spending $1,000 in the first 90 days, and it has a $0 annual fee.
Best Instant Approval Student Credit Cards
- Overall: Bank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn More
- Overall: Bank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn Moreon issuer's website
- Overall: Bank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn More
- Rates & Fees Cash Back: Capital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Cash Back: Capital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Cash Back: Capital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn More
- Rates & Fees Rewards: Capital One Savor Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Rewards: Capital One Savor Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rewards: Capital One Savor Student Cash Rewards Credit CardLearn MoreLearn More
- Initial Bonus: Bank of America® Customized Cash Rewards credit card for StudentsLearn MoreLearn More
- Initial Bonus: Bank of America® Customized Cash Rewards credit card for StudentsLearn MoreLearn Moreon issuer's website
- Initial Bonus: Bank of America® Customized Cash Rewards credit card for StudentsLearn MoreLearn More
- Travel: Bank of America® Travel Rewards credit card for StudentsLearn MoreLearn More
- Travel: Bank of America® Travel Rewards credit card for StudentsLearn MoreLearn Moreon issuer's website
- Travel: Bank of America® Travel Rewards credit card for StudentsLearn MoreLearn More
- Overall:
- Cash Back:
- Rewards:
- Initial Bonus:
- Travel:
It’s important to note that no student credit card guarantees an application will be instantly approved or denied. In some cases, a credit card issuer may need more time or additional information to review your application.
Also, instant approval cards are not the same as instant use credit cards, which are cards that can be used immediately upon approval, before you receive the physical credit card. Some instant approval credit cards do offer instant use, though.
Popular Student Credit Cards in February 2026 from Our Partners
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Dining & Entertainment
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Cash Rewards
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No Credit Check
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Good Credit
People also ask
What are some student credit cards with instant approval for bad credit?
One of the best credit cards with instant approval for students with bad credit is the Capital One Quicksilver Secured Cash Rewards Credit Card (see details, rates & fees). This card offers 1.5 - 5% cash back on purchases and has a $0 annual fee. Chances are you will get an instant decision in case your application can be immediately verified. Otherwise, it might take several business days to receive an answer.
Another good option is the opensky® Plus Secured Visa® Credit Card which requires no credit check while applying and has a $0 annual...
read full answer by Maria Adams, Credit Cards ModeratorHow do I apply for a student credit card?
You can generally apply for a student credit card online or at a branch. In some cases, you can also apply over the phone, depending on the card. To be eligible for approval, applicants must be at least 18 years old, earn enough income to afford monthly bill payments, and have limited credit or better (just not bad credit).
To fill out a student credit card application, you will need to provide your annual income, your...
read full answer by Christie Matherne, Credit Card WriterWhat are the best credit cards for no credit with instant approval?
The Petal® 2 Visa® Credit Card is the best credit card for no credit with instant approval. You could 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...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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