Sydney Garth, Credit Cards Moderator
@sydneygarth
The best unsecured credit card with instant approval for people with bad is the OneMain Financial BrightWay® Card because it’s relatively easy to get and it gives 1% cash back on all purchases. The OneMain Financial BrightWay® Card may have an annual fee ($0 - $89), however, and it is not available in all states.
Best Unsecured Credit Cards with Instant Approval
Most credit cards offer the possibility of instant approval when you apply online. The application typically takes around 10 minutes to complete, and you could get a decision in a few minutes or less. The higher your credit score, the more likely you are to get a quick decision.
However, instant approval is never guaranteed. To give yourself the best possible chance, apply online for cards at or below your credit level. And make sure everything on the application is complete and accurate. If an issuer is unable to verify your identity, you may have to provide additional information. This could add several days to the application’s processing.
Popular Credit Cards That Offer Instant Approval from Our Partners
-
No Credit Check
-
Bad Credit
-
Good Credit
-
No Deposit
Nicholas Torres, Member
@ntorres_gaming
Has anyone tried this OneMain Brightway character?
Madison Bell, Member
@maddie_bell
Good Credit: Freedom Unlimited, Active Cash, BCP
Fair Credit: Double Cash
Limited Credit: Petal
Bad Credit: Don’t get an unsecured card
SS Cooper, Member
@scarlett_c
If you need an unsecured card fast, Capital One is your best bet - use their pre-approval tool first to see what you’re in the ballpark for without a hard pull.
Petal 2 Visa is the sleeper pick. Cash back with no fee.
Andrea Higashi aguilar, Member
@dreahigashi75
Credit one platinum visa for building credit
People also ask
What's the easiest unsecured credit card to get approved for?
The easiest unsecured credit cards to get include the OneMain Financial BrightWay® Card, the Petal® 2 Visa® Credit Card and the Capital One QuicksilverOne (see details, rates & fees) Credit Card. The OneMain Financial BrightWay® Card accepts bad credit, while the Petal 2 Card and Capital One QuicksilverOne (see details, rates & fees) are for people with no credit.
Easiest Unsecured Credit Cards to Get
- OneMain Financial BrightWay® Card
- Merrick Bank Credit Card
- Petal® 2 Visa® Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees)
- Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees)
- Capital One Spark Classic for Business *
Alternatives to Unsecured Credit Cards for Bad Credit
Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest...
read full answer by WalletHub, Financial CompanyWhat 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.
While instant approval is possible for most cards that 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, but in some cases, issuers may take longer to review a credit card application.
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?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.