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​.

The best credit card for bad credit with no deposit and instant approval is the Credit One Bank® Platinum Visa® for Rebuilding Credit. The Credit One Visa comes with a credit line of at least $300 and offers 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. It charges an annual fee of $75 intro 1st yr, $99 after and is available to people with bad credit. You can apply online, after … read full answerchecking to see if you're pre-qualified.

Keep in mind that while there is a possibility of instant approval with most cards 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. Sometimes, issuers may take longer 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:

• Credit One Visa: 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. $75 intro 1st yr, $99 after annual fee. Minimum credit limit of $300. Requires pre-qualification before applying.
• Milestone® Mastercard® - Less Than Perfect Credit Considered: No rewards. $35 - $99* annual fee, depending on your credit. Minimum credit limit of $300. Requires pre-qualification before applying.
• Indigo® Mastercard® for Less than Perfect Credit: No rewards. $0 - $99 annual fee, depending on your credit. Minimum credit limit of $300. Requires pre-qualification before applying.
• Fingerhut Credit Account: No rewards. $0 annual fee. Minimum credit limit varies based on the specifics of your credit. Can only be used on shopping from the Fingerhut catalog.

Keep in mind that unsecured credit cards for bad credit tend to be more costly and less rewarding than their secured counterparts. Make sure you keep your account in good standing by paying your balance on time and preferably in full, every month. This will allow you to improve your credit score and gain access to some of the best unsecured credit cards over time.