Lawrence Greenberg, Member
The best unsecured Visa credit cards for bad credit with instant approval are the Credit One Bank Visa Credit Card and the Official NASCAR Credit Card.
Both of them have annual fees, and lack monthly or one-time fees. They have a starting credit limit of $300 and offer rewards. While the Credit One Bank Visa offers 1% cash back on eligible purchases, the NASCAR credit card offers 2% cash back on Nascar shop purchases and 1% back in select spending categories.
Both cards will help you build your credit by reporting to the major credit bureaus TransUnion, Experian and Equifax on a monthly basis. They also offer the opportunity to check if you pre-qualify.
Keep in mind, though, that being pre-qualified won't guarantee you approval. An actual application will result in a hard pull on your credit, lowering your score for a short period of time.
Credit One Bank® Platinum Visa® for Rebuilding Credit
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