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 instant approval when you apply online. The application typically takes about 10 minutes to complete, and you may receive a decision within a few minutes or less. However, instant approval is never guaranteed. The higher your credit score, the more likely you are to receive a quick decision.
To give yourself the best possible chance, apply online for cards at or below your credit level, and ensure everything on the application is complete and accurate. You may have to provide additional information if the issuer cannot verify your identity, which could add several days to the application process.
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
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
mcmillianterrance417, Member
@mcmillianterrance417
The petal 2 credit card visa card
People also ask
What are the best unsecured credit cards for no credit?
The best unsecured credit card for no credit is the Petal® 2 Visa® Credit Card because it has a $0 annual fee and good rewards. Cardholders get 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. The Petal 2 Card is available to applicants with limited credit or better.
If you’re in college, you should also consider student credit cards. These are unsecured credit cards designed for people with no credit and are available to college and graduate students. Student cards tend to offer better terms than non-student unsecured credit...
read full answer by John S Kiernan, Managing EditorWhat are the best instant approval credit cards for bad credit with no deposit?
The best instant approval credit card for bad credit with no deposit 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.
Instant approval tends to happen when your credit and income are higher than the card's requirements. While there is a possibility of instant approval with most cards you can apply for online, note that it's never guaranteed. Sometimes, issuers may need a longer time 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 to...
read full answer by Adrian Kaplan, WalletHub Credit Card ConsultantWhat'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. People with bad credit can get the OneMain Financial BrightWay® Card, while the Petal 2 Card and Capital One QuicksilverOne (see details, rates & fees) are for those with no credit.
Easiest Unsecured Credit Cards to Get
- Best for No Deposit: OneMain Financial BrightWay® Card
- Best for No Credit: Petal® 2 Visa® Credit Card
- Best for Cash Rewards: Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees)
- Best for Students: Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees)
- Best for Business: Capital One Spark Classic for Business *
- Best for Building Credit:...
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