Best Instant Approval Credit Cards

Instant approval credit cards provide you with an approval decision in real time. These types of cards offer high approval odds for anyone with fair to bad credit. Consider an instant approval credit card if you want to build credit and have peace of mind with your finances.

The rise of digital technology has transformed the credit card process, and nowadays, it’s completely normal to receive a decision on a credit card application in less than five minutes.

And the percentage of consumers applying for credit continues to rise. As of June 2017, the New York Federal Reserve Survey of Consumer Expectations found that 43.6% of respondents applied for credit during the previous year, which was the highest level since the survey began in 2013.

The good news is that there is a credit card for almost everyone – it’s just a matter of knowing your financial needs and what you can qualify for. The biggest impact on your ability to get approved for a card is your credit score. If you want to increase your odds of getting instant approval, focus on applying to cards that are suitable for your credit history. The higher your credit score is, the more instant approval options there are. Check out the best instant approval credit card offers below.

Best for no credit check

OpenSky® Secured Visa® Credit Card

Apply now

at Capital Bank’s secure website

OpenSky® Secured Visa® Credit Card

• Rewards Rate:
  N/A
• Welcome Offer:
  N/A
• Annual Fee:
  $35
• Regular APR:
  17.39% (variable)
• Balance Transfer Intro APR:
  N/A
• Purchase Intro APR:
  N/A
• Highlights
  • 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
  • Enjoy protection from unauthorized purchases with $0 fraud liability
  • * View the cardholder agreement
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Who should get it

Some companies check your credit score before issuing you a credit card, which results in a hard inquiry on your credit report that can damage your credit. But luckily, you can apply for cards that have an instant approval process, like the OpenSky® Secured Visa® Credit Card, without any negative impact on your credit score.

How to use it

For the OpenSky® Secured Visa® Credit Card, make a larger security deposit to boost your credit limit and improve your debt ratio. Additionally, it’s wise to make purchases and payments regularly to avoid a $10 per month account inactivity fee with this card.

Consider this

• $10 per month fee after a year of inactivity
• $35 annual fee
• No monthly credit score updates

Why you will love it

The OpenSky® Secured Visa® Credit Card grows with you, having refundable deposit options from $200 up to $3,000. Additional perks of this card include automated payment reminders and fraud protection.

Best for bad credit

Horizon Gold Card

Apply now

at Horizon Gold’s secure website

Horizon Gold Card

• Rewards Rate:
  N/A
• Welcome Offer:
  N/A
• Annual Fee:
  $24.95 benefits plan membership will be auto-debited monthly
• Regular APR:
  N/A
• Balance Transfer Intro APR:
  N/A
• Purchase Intro APR:
  N/A
• Highlights
  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR
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Who should get it

The Horizon Gold Card is an instant approval credit card geared toward anyone with bad credit. It has no annual fees, requires no credit or employment check and offers 0% interest on purchases indefinitely.

How to use it

The Horizon Gold Card is a catalog card, meaning cardholders can only purchase items from the Horizon Outlet website.

Consider this

• Limited to make purchases through Horizon’s website
• Monthly membership fee of $24.95 benefits plan membership will be auto-debited monthly
• No rewards

Why you will love it

This no-frills card comes with everything you need to rebuild your credit – no credit check, an initial $500 credit line and fast online approval.

	Best Instant Approval Credit Cards in 2020: summed up
	Best for no credit check OpenSky® Secured Visa® Credit Card Apply now
	Best for bad credit Horizon Gold Card Apply now

Compare the Best Instant Approval Credit Cards of 2021

What is instant credit?

Instant credit is short for an instant credit card, which is a credit card that gives instant approval to qualified applicants who apply online and can be used to make purchases immediately before the card arrives in the mail. But instant credit can mean other things, too, as it’s a pretty general term. For example, people often use it to reference instant approval credit cards that don’t necessarily allow instant use.

Can you get a credit card the same day you apply for it?

Most online credit card applications take less than five minutes to complete and then receive a decision. But, in some cases, the online platform is unable to make a decision, adding days or weeks to receive a response.

Your credit score rating can also have a big impact on your ability to be approved for a card — and the speed with which your application gets a response. You can improve your chances of a quick credit card application approval by choosing cards that approve applicants with credit profiles that are similar to your own.

Can I get my new credit card number before the card comes in the mail?

Even though your credit card application process may provide you with an instant decision, some credit card issuers will have you wait to receive the card in the mail before you can start using it. It often takes 5-7 business days for a new card to arrive.

However, some issuers will allow you to access your credit card number right after approval so you can begin using it instantly.

Which issuers give card numbers immediately when you apply?

The following issuers give card numbers immediately when you apply:

American Express

An instant card number upon approval of an account is available on all American Express cards. American Express is the most convenient option to gain access to your new credit card number immediately.

Bank of America

Customers who apply and receive approval for credit cards via the Bank of America mobile app can upload them immediately to their digital wallets. However, for those who apply through the web, the Alaska Airlines Visa Signature® credit card is the only card that provides an instant card number.

Barclays

Several Barclays co-branded credit cards offer instant card numbers and credit available for purchases made through the co-branded website. They are as follows:

• Frontier Airlines World Mastercard® — instant credit toward purchases made through the Frontier website
• Hawaiian Airlines® World Elite Mastercard® — instant credit toward travel purchases made through the Hawaiian Airlines website
• The JetBlue Card — instant credit toward purchases through the JetBlue website
• Priceline Rewards™ Visa® Card — offers instant credit toward purchases through the Priceline website
• Princess Cruises® Rewards Visa® Card — offers instant credit when used to purchase a cruise with Princess Cruises
• Uber Credit Card — offers instant credit upon approval when you add it as the primary method of payment to your Uber account

Chase

Chase does not offer instant credit card numbers to new account holders. However, at times, those who receive approval for a co-branded card may use the card for a purchase made with the retailer.

Citi

Citi will allow those who are approved for one of their co-branded American Airlines cards, like the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, or those approved for one of the AT&T cards, to receive their card numbers right away.

Goldman Sachs

The Apple credit card will allow cardholders to use the card instantly upon approval via the Wallet app on your iPhone.

HSBC

HSBC will provide you with your credit card number after approval, but not the CVV or your card’s expiration date.

Synchrony

The only cards offered from Synchrony that gives instant access to your card number are:
Rakuten Cash Back Visa® Credit Card
eBay Mastercard®
PayPal Cashback Mastercard®
For PayPal or eBay cards, you can make an online purchase of up to $250 via PayPal.

USAA

USAA will give you an instant card number to use, along with the expiration date and 3-digit code. This has a maximum credit limit of $1,000, which is increased to your approved credit limit when the physical card arrives.