Instant Approval Credit Cards

There’s always a chance of getting Walmart Credit Card instant approval when you apply online or in-store. And if you’re instantly approved, you can use your card to make Walmart purchases right away. Spending $25 the same day you’re approved even gets you a $25 statement credit.

Just keep in mind that Walmart credit card instant approval is never guaranteed. Usually, credit card applicants are instantly approved when they exceed a card’s requirements rather than merely meeting them. In some cases, Synchrony Bank (the issuer) will have to take a longer look at your application to see if you qualify or not.

Here’s how to get Walmart Credit Card instant approval:

• Meet the basic requirements. You must apply online or in-store, be 18+ years old, and have a U.S. mailing address and SSN.
• Check your credit score. Make sure it’s at least 640. Otherwise, your chances of instant approval for the Walmart Store Card will be slim. You need 700+ if you want the Mastercard version.
• Review your credit reports. Dispute any errors so they won’t hold you back from instant approval.
• Keep your reports open. If you have a freeze on your credit report, temporarily lift if before you apply. Otherwise Synchrony Bank (the cards’ issuer) won’t be able to check your credit and approve you right away. Synchrony may pull from TransUnion, Equifax or Experian.
• Apply in-store. There are two places to fill out an application in a Walmart: at the register or at the jewelry counter. If you’re approved after Synchrony runs your credit, you’ll receive a temporary card on the spot, which you can use in store right away.
• Apply online. You can apply for a Walmart Credit Card online and get instantly approved. In that case, you’ll get a temporary card number that you can use to make purchases right away.

A Walmart representative said most applications are approved or denied instantly or later the same day. But if you don’t get Walmart credit card instant approval, it could take another week or two to hear back.

For example, your application might get flagged as fraudulent. Or, Synchrony might need more time to verify your information. If that happens, you should give Walmart Credit Services a call at 1 (877) 294-7880 to get it sorted out as soon as possible. Once you’re approved, it’ll take 7-10 business days to receive your card in the mail.

Even credit cards for no credit have instant approval if you apply online and clearly meet the approval requirements. But no credit card approves applicants instantly 100% of the time. Some applications always require a closer, longer look. Some people will be instantly rejected too. That’s likely to be the case for people with bad credit who apply for credit cards for no credit. And with that said, let’s look at some of the best credit cards for people with no credit, which you could get instantly approved for (but may not).

Here are credit cards for no credit that may have instant approval:

• Capital One Platinum. This card doesn’t offer rewards, but it also doesn’t charge an annual fee. It’s a great card to build credit, and you can get access to a higher credit line if you pay on time for 5 months.
• Capital One QuicksilverOne. You get 1.5% cash back on all purchases. And now through April 2018 you can get 50% back on Spotify Premium subscriptions. But there’s a $39 annual fee.
• Journey Student Rewards from Capital One. You can apply if you’re a student. You get 1% cash back on everything, or 1.25% if you pay on time. There’s no annual fee, and you can get a higher credit line after paying on time for 5 months.
• OpenSky Secured Visa. This card doesn’t even run a credit check, so its approval odds are very high. You just need to place a security deposit of at least $200 that will serve as your credit line. There’s a $39 annual fee.

There are a lot of other WalletHub community members who have talked about instant approval in their reviews of these cards. For example, @ryank, who has a Capital One Platinum, said "I got the application in the mail, filled it out online and was instantly approved.” And @rj.rodman.1 left this comment about Journey Student Rewards: “This card was very easy to qualify for; I had never had a credit card before and was accepted right away.”

Since you don’t have any credit history yet, your approval is going to hinge more on whether you can afford to make purchases and pay them off. In other words, your income is going to be a large factor, so doing anything you can to boost that will help. You’ll also want to make sure you have all other necessary details in order. For example, you’ll probably need a U.S. mailing address, SSN or ITIN, and U.S. bank account for payments.

While you could get instantly approved for any of these no-credit credit cards, it’s also possible that the issuer could take more time, even up to a month, to make a final decision. Again, no card can guarantee instant approval 100% of the time. If you want to increase your approval chances by having a positive credit history, you could always become an authorized user on someone else’s card and make some purchases with it.

The best instant approval credit cards for average credit are the Capital One Platinum card and the Capital One QuicksilverOne. Both Capital One cards are well-suited for instant approval because they only require fair credit (within the reach of the average person) and you can apply for them online.

The Platinum card is best for people who want a $0 annual fee, but it doesn’t offer rewards. On the other hand, Quicksilver gives unlimited 1.5% cash back on all purchases but has a $39 annual fee.

There are lots of unsecured credit cards for fair credit, some of the best being the Capital One QuicksilverOne Card and the Amazon Store Card. Pretty much all credit cards for fair credit are unsecured. Secured credit cards (those requiring a refundable security deposit) are meant for people with bad credit or no credit. And while fair credit won’t get you the very best unsecured cards, it should qualify you for an account with no annual fee, solid rewards or maybe even both.

Here are some of the best credit cards for fair credit:

• Capital One QuicksilverOne: This card offers the highest cash back for the fair credit range (at least among cards you can use anywhere), with 1.5% cash back on all purchases. And if you use Spotify Premium, you can get 50% of the cost back as a statement credit between now and April 2018 if you pay for it using this card. There is an annual fee, but it’s only $39 so that’s not too bad.
• Capital One Platinum: If you’re looking for a card with no annual fee, this is a good option. The tradeoff is that there are no rewards.
• Amazon Store Card: You should be able to qualify for most store cards with fair credit. The Amazon card is one of the best. It gives 5% cash back on all your Amazon purchases if you have a Prime account. And you get a $10+ gift card for signing up. You can only use the card at Amazon, though.
• Journey Student Rewards from Capital One: Only students can get this card. It gives 1% cash back on all purchases, or 1.25% if you make your payment on time. There’s no annual fee.
• USAA Rate Advantage Platinum Visa: If you’re worried about not paying in full, this card offers an APR as low as 7.90% (V). It also doesn’t have an annual fee.

It’s always a good idea to shop around before picking out a credit card. Take some time to decide whether you want to prioritize rewards, interest rate, no fee, or other aspects. Capital One QuicksilverOne is probably your best option overall because of its high cash back rate and relatively low fee.

Just about all gas credit cards can be gas credit cards with instant approval. When you can apply online, it’s almost always possible to receive instant approval (or denial). But issuers never guarantee an instant decision. You’re likely to receive one if you apply for one of the easiest gas cards to get. And in general, your chances for instant approval are high if you apply for a card where your credit score exceeds the minimum required.

But issuers consider many factors on an application, such as income, number of recent credit inquiries, past bankruptcies and more. So it’s always possible an issuer will need more time to come to a decision. And the approval process may take longer if the issuer cannot immediately verify the personal information on the application.

Best Gas Credit Cards for Instant Approval:

• Discover it® Secured
• Walmart® Store Card
• Costco Anywhere Visa® Card by Citi
• Blue Cash Preferred® Card from American Express
• Marathon Credit Card
• BP Credit Card
• Shell Credit Card

Again, just about any gas credit card offers instant approval. But that doesn’t necessarily mean you’ll get it. Factors that will increase your likelihood of getting instant approval for any credit card include: a high credit score, a high income, and completely correct and up-to-date information on your credit card application.