Updated on Feb 28, 2020

Best Instant Approval Credit Cards

Get instantly approved for a credit card that helps build your credit.
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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.

Summary

The Best Instant Approval Credit Cards in 2020

  • OpenSky® Secured Visa® Credit Card APPLY NOW
    Best for no credit check OpenSky® Secured Visa® Credit Card
    Apply Now on Capital Bank's secure website.
  • Green Dot primor® Visa® Gold Secured Credit Card APPLY NOW
    Best for high credit limit Green Dot primor® Visa® Gold Secured Credit Card
    Apply Now on Green Dot Bank's secure website.
  • UNITY® Visa Secured Credit Card APPLY NOW
    Best for balance transfers UNITY® Visa Secured Credit Card
    Apply Now on OneUnitedBank's secure website.
  • Fingerhut Credit Account issued by WebBank APPLY NOW
    Best for instant approval Fingerhut Credit Account issued by WebBank
    Apply Now on WebBank's secure website.
  • Horizon Gold Credit Card APPLY NOW
    Best for bad credit Horizon Gold Credit Card
    Apply Now on Horizon Card Services secure website.

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.

Apply Now on Capital Bank's secure website.

Best for no credit check

OpenSky® Secured Visa® Credit Card

Rewards Summary N/A
Redeem for... N/A

Current Offer N/A
Annual Fee $35
Highlights Provided by Capital Bank Show Highlights
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
  • Issuer: Capital Bank
  • Annual Fee: $35
  • Balance Transfer Fee: 5% of the amount of each Balance Transfer
  • Cash Advance APR: 18.89% (variable)
  • Foreign Transaction Fee: 3%
  • Ongoing APR: 18.89% (variable)
  • Penalty APR: None

Our two cents

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'll 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.

Start your application now Back to top

Pro Tip


Pro tip: Try to make at least one small purchase on your OpenSky® Secured Visa® Credit Card each month to avoid the $10 inactivity fee and build your credit.

Apply Now on Green Dot Bank's secure website.

Best for high credit limit

Green Dot primor® Visa® Gold Secured Credit Card

Rewards Summary N/A
Redeem for... N/A

Current Offer N/A
Annual Fee $49
Highlights Provided by Green Dot Bank Show Highlights
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings DepositnAccount to secure your line.
  • Issuer: Green Dot Bank
  • Annual Fee: $49
  • Cash Advance APR: 18.99% Fixed
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars.
  • Ongoing APR: 9.99% Fixed

Our two cents

Who should get it

The Green Dot primor® Visa® Gold Secured Credit Card is one of the best instant approval credit cards for people who want access to a large line of credit. If you have lots of cash on hand, you can put down up to $5,000 as a security deposit, which becomes your total credit limit.

How to use it
You’ll want to deposit a minimum of $200 to open your secured line of credit with the Green Dot primor® Visa® Gold Secured Credit Card. The deposit amount will be your credit limit. You should also make your payments on time since Green Dot reports your payment history to the credit bureaus, as a way to help you build credit.
Consider this

  • $49 annual fee
  • Foreign transaction fee is 3% of each transaction in U.S. dollars.
  • Late payment fees up to $29

Why you'll love it

The Green Dot primor® Visa® Gold Secured Credit Card has a high credit limit, allowing you to use it to fund bigger purchases. And with the low purchase APR, you won’t have to pay a lot of interest on your purchases.

Start your application now Back to top

Pro Tip


Pro tip: The Green Dot primor® Visa® Gold Secured Credit Card has a high credit limit, but it doesn’t mean you have to use it. You can put down as little as $200 to take advantage of this card’s lower-than-average interest rate.

Apply Now on OneUnitedBank's secure website.

Best for balance transfers

UNITY® Visa Secured Credit Card

Rewards Summary N/A
Redeem for... N/A

Current Offer N/A
Annual Fee $39
Highlights Provided by OneUnitedBank Show Highlights
  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
  • Issuer: OneUnitedBank
  • Annual Fee: $39
  • Balance Transfer Fee: Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $150)
  • Cash Advance APR: 17.99%
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars.
  • Ongoing APR: 17.99% (Fixed)

Our two cents

Who should get it

The UNITY® Visa Secured Credit Card is one of the only instant approval credit cards that allows you to make balance transfers and get a low introductory rate on them. For a full months, you’ll pay just on your balance transfers, which is far cheaper than the average APR for credit cards.

How to use it
You’ll want to pay a deposit to set your credit limit with the UNITY® Visa Secured Credit Card. Take advantage of the card’s best feature by transferring a balance to the card since it offers a low intro balance transfer APR of during the first months.
Consider this

  • A higher-than-average minimum security deposit of $250
  • Annual fee of $39
  • Foreign transaction fee is 3% of each transaction in U.S. dollars.

Why you'll love it

In addition to balance transfers, the UNITY® Visa Secured Credit Card offers a competitive APR of 17.99% (Fixed) on purchases and a high credit limit of $10,000. It’s a great choice for people who need to rebuild their credit and pay down debt.

Start your application now Back to top

Pro Tip


Pro tip: To take advantage of the intro interest rate, make sure your payments are always on time. If one of your payments is more than 60 days late, you’ll lose the interest rate on balance transfers before the period is up.

Apply Now on WebBank's secure website.

Best for instant approval

Fingerhut Credit Account issued by WebBank

Rewards Summary N/A
Redeem for... N/A

Current Offer N/A
Annual Fee N/A
Highlights Provided by WebBank Show Highlights
  • Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt.
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
  • Issuer: WebBank
  • Ongoing APR: 25.90%

Our two cents

Who should get it

The Fingerhut Credit Account issued by WebBank targets anyone trying to build their credit. It’s easy to get approval for this card even if you have been turned down by other lenders.

How to use it
Unlike many private label cards, it reports to the three main credit bureaus, so you can use it to build credit. However, you can only use the card to purchase items through Fingerhut’s catalog or online store. The prices tend to be higher than the same products sold elsewhere.
Consider this

  • Limited to make purchases through Fingerhut
  • High variable purchase APR rate (25.90%)
  • Prices at Fingerhut tend to be higher than identical products sold elsewhere

Why you'll love it

The Fingerhut Credit Account issued by WebBank offers a credit card for bad credit that is easy to qualify for. Because the card has no annual or other recurring fees, you can simply hang on to the open line of credit, using it to boost your credit utilization ratio.

Start your application now Back to top

Pro Tip


Pro tip: Don’t carry a balance with the Fingerhut Credit Account issued by WebBank, as the account has a steep interest rate of 25.90%. The card begins charging interest from the date of purchase if you have an outstanding balance.

Apply Now on Horizon Card Services secure website.

Best for bad credit

Horizon Gold Credit Card

Rewards Summary N/A
Redeem for... N/A

Current Offer N/A
Annual Fee $24.95
Highlights Provided by Horizon Card Services Show Highlights
  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
  • Issuer: Horizon Card Services
  • Annual Fee: $24.95
  • Ongoing APR: N/A*

Our two cents

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
  • No rewards

Why you'll 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.

Start your application now Back to top

Pro Tip


Pro tip: Any activity on the card is reported to at least one major credit bureau, which may help your credit score over time if used responsibly.

Compare the Best Instant Approval Credit Cards of 2020

Card Annual Fee Minimum Deposit Required Application Length
Best for no credit check: OpenSky® Secured Visa® Credit Card $35 $200 5 minutes
Best for high credit limit: Green Dot primor® Visa® Gold Secured Credit Card $49 $200 8 minutes
Best for balance transfers: UNITY® Visa Secured Credit Card</td> $39 $250 10 minutes
Best for building credit: Fingerhut Credit Account None 5 minutes
Best for bad credit: Horizon Gold Credit Card $24.95 None 5 minutes

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.

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