What are the best instant approval and use credit cards for bad credit?

The best instant approval and use credit card for bad credit is the Montgomery Ward Credit Account because it can give you an instant decision and you can use it right after approval. However, the Montgomery Ward Credit is only accepted by Montgomery Ward. 

Keep in mind that credit cards that allow instant use are pretty rare. Plus, almost all of them require fair credit or better. However, there are plenty of credit cards for bad credit that you can get instantly approved for. You generally need to wait 7-10 business days to receive the card by mail. But that’s not that long to wait, so you might want to consider shopping around.

Notable Instant Approval Credit Cards for Bad Credit

If you get a credit card for bad credit and keep your account in good standing, you will improve your credit score. By doing so, you’ll eventually be able to get an instant approval and use credit card that can be used anywhere credit cards are accepted and offers better terms and rewards. 

The Fingerhut Credit Account is your best bet, and there's also the Capital One Platinum Secured Credit Card. Generally speaking, any secured card is pretty easy to get if you pay down the deposit.

I wouldn’t worry so much about instant use. When you have bad credit, you should focus on getting approved, paying as little as possible in fees/interest, and improving your credit. So, with those things in mind, I’d go with Discover Secured or opensky Secured.

To build my credit up and have fun doing it