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Best Instant Approval Credit Cards
WalletHub makes it easy to find the best instant approval credit card for you.
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Capital One Platinum Secured Credit Card Capital One Platinum Secured Credit Card

- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with our mobile app
- See More Details & Reviews About TheCapital One Platinum Secured Credit Card
Secured Sable ONE Credit Card Secured Sable ONE Credit Card

- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable Double Cash Bonus.
- Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
- No membership fees
- High rewards rate
- Low regular APR
- Qualify with limited or no credit history
- No rewards bonus
- Foreign fee
- Requires security deposit
- Auto-review to unsecured card in as FAST as 4 months, 3X faster than anywhere else with Sable’s graduation promise.
- Up to $10,000 credit limit
- No credit check or US credit history required.
- No SSN required for non US citizens.
- Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.
- Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens!), rental car insurance, and much more!
- Please see terms and conditions for additional details.
- See More Details & Reviews About TheSecured Sable ONE Credit Card
Discover it® Secured Credit Card Discover it® Secured Credit Card
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
- High regular APR
- No credit score required to apply.*
- No Annual Fee, earn cash back, and build your credit with responsible use.
- Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
- Establish your credit line with your tax return by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.*
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® Secured Credit Card
Indigo® Mastercard® for Less than Perfect Credit Indigo® Mastercard® for Less than Perfect Credit
- Qualify with bad credit
- Does not require security deposit
- Membership fees
- No rewards
- No rewards bonus
- No intro APR on purchases
- Pre-qualify for a card today and it will not impact your credit score.
- Less than perfect credit is okay
- Mobile account access at any time
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
- See More Details & Reviews About TheIndigo® Mastercard® for Less than Perfect Credit
Surge Mastercard® Surge Mastercard®

- Qualify with bad credit
- Does not require security deposit
- No rewards
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 - $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
- $0 monthly fee for the first 12 months. $10.00 per month starting the second year, waived for those with a $750 or $1,000 credit limit
- See More Details & Reviews About TheSurge Mastercard®
Destiny Mastercard® Destiny Mastercard®

- Qualify with bad credit
- Does not require security deposit
- High membership fees
- No rewards
- No rewards bonus
- No intro APR on purchases
- Greater access to credit than before - $500 credit limit
- All the benefits of a Mastercard, without a security deposit.
- Keeping your account in good standing may help establish and/or improve your credit history
- Less than perfect credit is okay, even with a prior bankruptcy!
- Prequalify for a card today and it will not impact your credit score
- Reports to all three major credit bureaus
- See More Details & Reviews About TheDestiny Mastercard®
Total Visa® Card Total Visa® Card
- Qualify with bad credit
- Does not require security deposit
- $89 one-time program fee
- $75 annual fee for the first year
- $123 in fees starting year two
- High APR
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa® card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit).
- Multiple card designs available
- Reports monthly to all three major credit bureaus
- See rates, fees, costs and limitations for additional details
- Offer not guaranteed; response provided in seconds.
- See More Details & Reviews About TheTotal Visa® Card
FIT Mastercard® FIT Mastercard®

- Qualify with limited or no credit history
- Does not require security deposit
- One-time fees
- No rewards
- No rewards bonus
- No intro APR on purchases
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00* (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Checking Account Required
- See More Details & Reviews About TheFIT Mastercard®
Revvi Card Revvi Card

- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
- Qualify with bad credit
- Does not require security deposit
- One-time fees
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
- Fast and easy application; response provided in seconds
- $300 credit limit (subject to available credit)
- Build your credit score with on-time payments and keeping your balance below the credit limit
- Opportunity to request credit limit increase after twelve months, fee applies
- Checking account required
- Reports monthly to all three major credit bureaus
- Manageable monthly payments
- Perfect credit not required
- Easy-to-use mobile app for management on the go!
- *See rates, fees, costs & limitations, and rewards for complete offer and Revvi Rewards details^^
- See More Details & Reviews About TheRevvi Card
OpenSky® Secured Visa® Credit Card OpenSky® Secured Visa® Credit Card

- Reasonable $35 annual fee
- $200 minimum deposit
- 3% foreign transaction fee
- No credit check to apply and find out instantly if you are approved.
- OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
- Get considered for a credit line increase after 6 months, with no additional deposit required
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- * View the cardholder agreement
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
Details on the best instant approval credit cards
Credit One Bank® Platinum Visa® for Rebuilding Credit
Why It’s the Best Instant Approval Credit Card with No Deposit:
The best unsecured credit card for people with bad credit who want instant approval is the Credit One Bank® Platinum Visa® for Rebuilding Credit. Very few unsecured cards for poor credit are available, for one thing, and most have outlandish fees. The Credit One Visa is pretty expensive, too, charging up to $99 in annual fees ($75 the first year) as well as an APR of 24.24% (V). You won’t be able to borrow too much, either, as the card’s minimum credit limit is just $300. But it could help you afford minor emergency expenses as well as improve your credit standing, if used responsibly. And if you apply online, you could be instantly approved.
Capital One Quicksilver Secured Cash Rewards Credit Card
Why It’s the Best Instant Approval Credit Card for Bad Credit:
The best instant approval credit card for bad credit is Capital One Quicksilver Secured Cash Rewards Credit Card. It’s meant for people with limited-to-bad credit history, so your approval odds should be high. And you could get instant approval if your online application is complete and everything checks out on Capital One’s end.
Having this card can help you build positive credit history, as it reports to the three major credit bureaus monthly. The Capital One Quicksilver Secured Cash Rewards Credit Card also offers good rewards and has no annual fee.
Capital One Quicksilver Cash Rewards Credit Card
Why It’s the Best Instant Approval Credit Card for Good Credit:
People with good-to-excellent credit should look into the Capital One Quicksilver Cash Rewards Credit Card. It offers the chance for instant approval when you apply online, has a $0 annual fee, and rewards cardholders handsomely. The rewards start with an initial bonus of $200 for spending $500 in the first 3 months and continue with 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.
OpenSky® Secured Visa® Credit Card
Why It’s the Best Instant Approval Credit Card with No Credit Check:
The best instant approval credit card for 2022 is the OpenSky Credit Card because it has no credit check, a $200+ limit (with a $200+ deposit), and a $35 annual fee. OpenSky just has to validate your identity, income and a few other details. So the OpenSky Card allows even people with poor credit or no credit to get instant approval and begin improving their credit standing at a pretty low cost.
Discover it® Secured Credit Card
Why It’s the Best Instant Approval Credit Card with No Annual Fee:
The best rewards credit card with good approval odds is the Discover it® Secured Credit Card. The card gives 1 - 2% cash back in rewards on purchases and does not charge an annual fee. All the rewards you earn during the first 12 months also get doubled after your first account anniversary.
Bottom Line:
All credit cards offer instant approval, at least when you apply online. They just don’t offer it to everyone. You need to be an ideal applicant. And the higher a card’s approval requirements are, the fewer ideal applicants there will be.
So if you really want instant approval, the trick is to pick a conservative target. One way to do that is to apply for a credit card whose minimum credit requirement is one level below your credit standing. For example, if you have good credit, consider applying for a fair-credit credit card. You can check your latest credit score for free on WalletHub.
For your convenience, we’ll also recap WalletHub’s editors’ picks for the best credit cards for instant approval right now, which were selected from 1,000+ offers due to their standout terms and the possibility for quick application decisions. You can find them grouped by category below.
Recap: Best Instant Approval Credit Cards of 2022
Credit Card | Best For | Min. Credit Required |
Discover it® Secured Credit Card | Rewards | Bad |
Capital One Quicksilver Secured Cash Rewards Credit Card | Bad Credit | Bad |
Credit One Bank® Platinum Visa® for Rebuilding Credit | No Deposit | Bad |
OpenSky® Secured Visa® Credit Card | No Credit Check Approval | Bad |
Capital One Quicksilver Cash Rewards Credit Card | Good Credit | Good |
If you’re still not sure which credit card is right for you, check out WalletHub’s guide on how to choose the best credit card for some helpful tips and info.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Instant Approval Credit Cards FAQ
Comparing instant approval credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge 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 the financial institution’s responsibility to ensure all posts and questions are answered.show more
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What are the best credit cards for fair credit with instant approval? Reply
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Ph.D., Project Executive, Temple University, Fox School of Business
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Ph.D., CFA, CIPM, Joseph A. Jennings Chair in Business, Robins School of Business, University of Richmond
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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