The best unsecured credit card with instant approval, especially if you have damaged credit, is the Credit One Bank® Visa® Credit Card. It’s easy to get approved for, even with bad credit, and online applicants may be approved instantly. The Credit One Bank® Visa® Credit Card also has a $300 minimum credit limit, does not require a security deposit, and offers 1% cash back on select purchases. This card comes with an annual fee of $0 - $99.
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.
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.
The easiest unsecured card to get is the Fingerhut Credit Account. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
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.
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® Visa® Credit Card and the Official NASCAR® Credit Card from Credit One Bank®. The Credit One Bank® Visa® Credit Card offers a credit line of at least $300 and charges $0 - $99 in fees per year. The Official NASCAR® Credit Card from Credit One Bank® also gives you a $300+ spending limit and charges $0 - $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.
First Access VISA® Credit Card: No rewards. $95* one-time fee. Monthly fee: None 1st year, $6.25 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.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.