What is the best unsecured credit card with instant approval?

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit. You can get approved for it even with bad (300) credit. It offers a $300 starting spending limit. And you can use it wherever VISA is accepted.

This isn’t your only option, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,500+ offers. And we selected our favorite easy-to-get offers.… read full answer

Here are some of the easiest unsecured credit cards to get approved for:

• Rewards: Credit One Visa.
• Small businesses: Capital One® Spark® Classic for Business​.
• No credit: Capital One Platinum Credit Card
• No annual fee: Petal® 2 Visa® Credit Card.
• Easiest store card: Fingerhut Credit Account.
• Students: Journey Student Rewards from Capital One.

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for​.

Yes, there are credit cards for bad credit with no deposit and instant approval. But it’s not quite as simple as it sounds. Credit cards for bad credit with no deposit are unsecured cards. There are lots of them. And there’s the possibility of instant approval with any card you can apply for online. But it’s never guaranteed. Instant approval tends to happen when your credit and income are better than the card’s requirements. You’ll also need to make sure all your personal information is correct. The company needs to verify it to instantly approve you.… read full answer

The best credit cards for bad credit with no deposit and instant approval are the Credit One Bank® Platinum Visa® for Rebuilding Credit and the Credit One Bank® NASCAR® Credit Card. The Credit One Bank® Platinum Visa® for Rebuilding Credit offers a credit line of at least $300 and charges $75 intro 1st yr, $99 after in fees per year. The Credit One Bank® NASCAR® Credit Card also gives you a $300+ spending limit and charges $39 - $99 per year. Both are available to people with poor credit and let you apply online, and both give you at least 1% cash back on all purchases.

There are some other contenders, too. They include the Milestone® Mastercard® - Less Than Perfect Credit Considered and the Indigo® Mastercard® for Less than Perfect Credit. Neither of these cards give rewards, but they also won’t charge one-time fees, which certain unsecured cards for bad credit do.

Best credit cards for bad credit with no deposit and instant approval:

• Credit One Bank® Platinum Visa® for Rebuilding Credit: 1% cash back on eligible purchases. Annual fee of $75 intro 1st yr, $99 after. Minimum credit limit of $300.
• Credit One Bank® NASCAR® Credit Card: 2% cash back at NASCAR.com, 1% cash back on other eligible purchases. Annual fee of $39 - $99. Minimum credit limit of $300.
• Milestone® Mastercard® - Less Than Perfect Credit Considered: No rewards. $35 - $99* annual fee, depending on your credit. Minimum credit limit of $300.
• Indigo® Mastercard® for Less than Perfect Credit: No rewards. $0 - $99 annual fee, depending on your credit. Minimum credit limit of $300.
• First Access VISA® Credit Card: No rewards. $95 one-time fee. Monthly fee: None 1st year, $8.25 after. Annual fee: $75 1st yr, $48 after. Minimum credit limit of $300.
• Total VISA® Credit Card: No rewards. $89 one-time fee. Monthly fee: None 1st year, $6.25 after. Annual fee: $75 1st yr, $48 after. Minimum credit limit of $300.

As you can see, several cards come with a one-time fee. Most cards call this a “processing fee” and make you pay it before you can use your account. It’s basically like an extra annual fee for just the first year.