Writer: Eric Bank
Editor: Jon McDonald
Reviewer: Ashley Fricker
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When a credit card doesn’t require a deposit, it’s known as unsecured. There are many unsecured cards available, but not all offer instant approval. With instant approval, the issuer decides right away and, if approved, sends the card shortly after.
We review below the best unsecured credit cards with instant approval, grouping them by their required credit scores.
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Best Instant Approval Unsecured Cards For Good Credit
Most credit card issuers use the FICO Score system to gauge applicants’ creditworthiness. FICO scores range from 300 to 850; those greater than 669 are good, very good, or excellent.
The instant-approval unsecured cards listed here require you to have good credit. While a high credit score can boost your approval chances, keep in mind that no card issuer approves every applicant.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
The Discover it® Cash Back card has quarterly rotating bonus cash back categories that include grocery stores, restaurants, gas stations, and warehouse stores. Cardowners must activate the new category each quarter to receive the bonus rate.
The card provides new cardmembers with a Cashback Match™ on all rewards posted in the first year, making it the best unsecured credit card in this group. It offers a 0% Intro APR for 15 months for purchases and a 0% Intro APR for 15 months for balance transfer transactions. Once the promotion periods end, the card’s APRs revert to its regular rates of 17.49% - 26.49% Variable APR.
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
The Capital One VentureOne Rewards Credit Card never imposes black-out dates when cardmembers use their miles to reimburse the costs of trips they have already taken or book future trips through Capital One Travel.
This no-annual-fee card lets cardmembers convert their miles to cash or transfer them to more than 15 loyalty programs. It offers a modest signup bonus and an introductory 0% APR promotion on purchases and balance transfer transactions.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
The Capital One Quicksilver Cash Rewards Credit Card provides cash back on every eligible purchase, every day. Cardmembers can earn unlimited cash back and can redeem rewards anytime without minimums.
Cardmembers can redeem their rewards in several ways, including a statement credit, gift card, or mailed check. The 0% introductory APR promotion applies to purchases and balance transfers. New cardmembers can earn a cash bonus by spending a set amount within a specified period.
Best Instant Approval Unsecured Cards For Fair Credit
Fair FICO scores range from 580 to 669. Although having fair credit might prevent you from getting the top-tier cards, you can still qualify for several appealing options, including the following three.
- No annual or hidden fees. See if you’re approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- 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 from your desktop or smartphone, with Capital One’s mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
- Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
- Top rated mobile app
The Capital One Platinum Credit Card caters to consumers who want to improve their credit. It reports payments to all three major credit bureaus, which is the most efficient method for building credit. The card does not charge an annual fee or offer rewards. It is the best unsecured credit card for fair credit.
In just a few seconds, you can find out if you’re pre-approved without affecting your credit score. You can select your monthly payment due dates and set up autopay to keep everything on track. Plus, periodic credit line reviews automatically consider you for higher limits.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount
- No credit score required to apply.
- No annual fee and build credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% – 25.49% applies.
- Terms and conditions apply.
The Discover it® Student Cash Back credit card is available to undergraduates with fair or no credit. The card does not charge an annual fee — or late fee on the first missed payment. A late fee will apply on your missed payments thereafter, so be sure to review terms for details. Late payments also do not trigger a penalty APR.
The card provides Cashback Match, a feature for new cardmembers that automatically doubles all the cash back posted during the first year. Cardmembers earn bonus cash rewards up to a spend limit on quarterly rotating merchant categories they can activate.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
- Top rated mobile app
The Capital One QuicksilverOne Cash Rewards Credit Card caters to consumers with fair credit who want to earn cash back. This instant-approval card provides unlimited flat-rate cash back on all eligible purchases.
Rewards never expire, and cardowners can redeem them at any time, in any amount. They can use Capital One’s Credit Steps to raise their credit lines by making their first six payments on time. The card charges a modest annual fee and does not offer a signup bonus.
Best Instant Approval Unsecured Cards For Bad Credit
The following three unsecured cards welcome applicants with bad credit. Each provides an instant approval decision and offers prequalification without impacting credit scores.
- Guaranteed $700 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don’t Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
The Milestone® Mastercard® is designed for consumers with poor credit, who will receive an instant decision when they apply for the card. Applicants can apply in a few steps, or the sponsor, Concora Credit Card Services, may redirect consumers to another credit card if it cannot match them to one of its own.
This Mastercard charges an annual and foreign transaction fee as well as a monthly fee after the first year. It automatically protects owners from loss or theft and provides an app for mobile access. The card will usually arrive five to 10 business days after approval.
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
The FIT™ Platinum Mastercard® provides a middle-of-the-road initial credit limit compared to the other cards in this group. It promises a fast application process (but not guaranteed approval) when consumers attempt to prequalify or apply.
The card reports account activity to all three credit bureaus, which can help cardmembers concerned with rebuilding credit when they use the card responsibly.
- 2X Rewards Power – Up To 10% Cash Back when you buy and 1% Cash Back when you pay!^^
- An initial credit limit Up To $500 (See terms*)
- Opportunity to request credit limit increase after twelve months, fee applies.
- A Card That Works as Hard as You Do – Earn Up to 10% Cash Back Rewards at select merchants, 1% on Payments and Build¹ Your Credit Along the Way!^^
- Reports monthly to all three major credit bureaus.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Results vary.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See Revvi Rewards Programs Terms & Conditions for details.
The Revvi Card is an unusual subprime credit card because it offers cash back rewards. It provides $0 fraud liability, a mobile app, and monthly reporting to the three major credit bureaus. Cardmembers can avoid the card’s high APR by paying their monthly balance.
The card waives its fees for cash advances and maintenance for the first year, and its annual fee drops after the first 12 months. The initial credit limit is low, but cardowners can request an increase after 12 months. Consumers must have a checking account to apply.
What Is a Credit Card With Instant Approval?
Advances in financial technology enable credit card companies to offer instant application decisions. Systems scan applicant information and pull the data necessary to make split-second decisions.
Sometimes, an issuer will require more information from an applicant. When this happens, the issuer will provide the applicant a window — typically between seven and 30 days — to submit the data required for a definitive decision.
While issuers can advertise an instant approval credit decision, it is impossible to know whether they will approve an application until the consumer submits it. Many credit card issuers send letters and emails with pre-approval offers. However, these do not guarantee final approval because issuers must do a hard pull of an applicant’s latest credit report before deciding.
Head over to an issuer’s website to check if you prequalify for a credit card. You’ll have to provide similar information as a formal application. The best part is, prequalification doesn’t involve a hard credit inquiry, so it won’t affect your score. This gives you an idea of whether final approval is possible, but remember, no approval is ever guaranteed.
How Do I Get an Instant Approval Credit Card With No Deposit?
The easiest way to obtain an instant-approval unsecured card is to apply online. Card websites provide dialogs or forms to collect the required applicant data, including:
- Contact information
- Citizenship
- Social Security Number
- Employment details
- Income
- Debts
- Housing costs
The issuer pulls an applicant’s credit report to verify the submitted information. In most cases, the issuer can immediately decide whether to approve or deny the application. Sometimes, further research is necessary.
Once you’re approved, the issuer will prepare your card and send it to you. Remember, you’ll have to pay any signup fees in advance before receiving the card.
What Are the Difference Between Deposit and No-Deposit Credit Cards?
The most significant difference between secured credit cards and unsecured cards is that secured cards require an upfront cash deposit while unsecured cards do not. The security deposit is usually a few hundred dollars, although the size can range from $49 to $10,000.
A security deposit acts as cash collateral backing the cardholder’s credit line. Those with bad credit often find it easy to get secured cards because the deposit shifts the risk of default from the issuer to the cardholder.
After approval, you’ll need to pay the deposit upfront. Issuers secure these deposits in escrow accounts, using the funds only if a cardholder misses the minimum payment deadline.
Should this happen, the issuer will siphon the necessary funds from the escrow account and reduce the cardholder’s credit line accordingly. The cardowner can reestablish the full credit line by repaying the card balance. Repeated late payments may prompt issuers to cancel the credit card, confiscate the deposit, pay any outstanding balances, and remit any leftover funds to the former cardowner.
Secured cards can charge relatively low interest rates and fees because the deposits guarantee the issuers will receive their money when a cardmember defaults.
Unsecured card issuers trust cardholders to make minimum payments on time. These issuers do not have a deposit to cushion the cost of defaults, making unsecured cards riskier than secured ones.
This risk is why you typically need at least fair credit to qualify for an unsecured card. If your credit is poor, you can still get an unsecured card, but expect higher interest rates and fees.
Issuers often convert secured cards into unsecured ones by refunding the deposit after a cardmember establishes a record of on-time payments (which usually takes about six months). Alternatively, a secured credit card issuer may increase a creditworthy cardmember’s spending limit without requiring an additional deposit.
A secured card’s credit limit usually equals the deposit size. However, a few cards are semi-secured, offering a limit greater than the deposit. The card’s credit limit is the maximum amount the owner can charge to the account.
At any given time, the available credit is the card’s credit limit minus the current outstanding balance. A card’s credit utilization ratio is the available credit divided by the credit limit. CURs above 30% can harm a cardholder’s credit score, and FICO scores benefit the most when a consumer’s CUR is 1%.
Despite their differences, secured and unsecured cards share specific characteristics, including the following:
- Both can impact credit scores: Both types usually report payments to one or more credit bureaus (i.e., Experian, Equifax, and TransUnion). Timely payments can help scores; payments more than 30 days late can damage them. Debit cards do not report payments and do not affect credit scores.
- Both provide revolving debt: Cardmembers can carry a balance, pay off some or all outstanding charges, and reuse the credit line. Unlike a loan, this allows borrowers to access the repaid principal.
- Both have potential costs: Both card types charge fees and interest on unpaid balances.
- Both may offer rewards: They may provide a rewards program that gives cardmembers cash back, miles, or points redeemable for cash, merchandise, or gift cards. Cardowners accumulate rewards based on spending volume. Unsecured cards are more likely to offer signup bonuses.
Consumers should compare cards before selecting one. Each card has advantages and disadvantages. The best card for an individual will depend on their credit requirements and spending habits.
What Credit Cards Can I Get With No Credit And No Deposit?
Two types of unsecured credit cards are good candidates for consumers with no, limited, or fair credit — student credit cards and subprime cards from Capital One.
Student Credit Cards
Unsecured student credit cards are generally easy to qualify for because financial institutions view undergraduates as low-risk consumers likely to become long-term clients.
Issuers anticipate that students will have limited credit histories, so they design their cards to be a person’s first credit card. Generally, student cards come with lower credit limits, which reduces the issuer’s risk, but they often charge higher interest rates to compensate for that risk.
Being in an educational setting implies responsibility and stability, which aligns with issuers’ interests. Moreover, issuers often consider students to have high future earning potential, making them good candidates for long-term financial relationships.
Attracting customers during their college years increases the chances they will remain loyal to the issuer. Many colleges partner with financial institutions, making it easier for students to get credit cards through special campus promotions.
Issuers often believe undergraduates have some family financial support, which lowers the risk of default. In fact, some student credit cards require a cosigner, offering the issuer an additional level of security.
Capital One Unsecured Cards
Capital One offers a few unsecured cards for consumers with limited credit for several reasons.
To start with, Capital One aims for a broad customer base, including consumers with little or no credit history. This strategy is part of its business model to acquire customers early and maintain long-term relationships.
This issuer employs sophisticated models and risk-assessment tools to evaluate an applicant’s creditworthiness beyond just a credit score. It may consider other factors such as income and employment history.
Capital One subprime cards usually offer lower initial credit limits and higher interest rates to reduce the risk of lending to those with limited credit. Customers may become eligible for a higher credit limit through responsible card use.
Additionally, Capital One provides various educational resources to help customers understand how to manage credit, a valuable aid for credit newbies.
Can I Use My Credit Card Before I Receive It?
Sometimes, consumers can use their new credit cards shortly after approval, but with some restrictions.
Several big banks, including American Express and Chase, let customers immediately add a new card account to a digital wallet through their mobile apps. New cardholders can use their card to purchase items from any merchant or service provider that accepts digital wallets.
Some issuers offer temporary virtual credit cards to new cardholders before they receive their physical cards. A virtual card is a digital version of a traditional credit card, created for secure online transactions. Unlike a physical card, a virtual card exists only in electronic form.
Issuers link a virtual card to a real credit card account and bill transactions from the virtual account to the actual one. Some virtual cards are single-use, expiring after one transaction. Others are multi-use and expire after a set period or event, including physical card activation.
When a customer requests a virtual card for immediate use, the issuer securely provides the card’s details through its online portal, mobile app, or secure email. Customers receive the complete card details and can immediately make online purchases, reservations, or any other transaction that does not require a physical card.
Some co-branded cards, such as the American Airlines credit cards from Barclays, let consumers sign up for a card when purchasing tickets from the American Airlines website and use the new card account to cover the cost.
A few issuers provide an instant card number but not the expiration date or CVC security code. Customers must wait for their card to arrive in the mail to get that information.
A card issuer may provide instant access to all the credit card data but prevent new cardholders from charging more than a set amount before the physical card arrives.
How Long Does It Take to Receive a Physical Credit Card?
These days, more bank branches have the capability to print physical credit cards on the spot, although some may limit this to debit cards only. When you open a credit card account at one of these well-equipped local banks, you could be walking out with your card in hand within minutes.
A card applicant can receive an instant decision when applying online. However, it is nearly impossible for an issuer to approve the application, print the card, and get it to the customer on the same day.
Here are some examples of issuers who offer expedited shipping:
If an issuer does not provide on-demand printing and you urgently need access to a credit card that same day, you should consider buying a prepaid debit card at a local grocery or convenience store.
Prepaid cards require buyers to fund their accounts with cash or debit deposits at the register to receive their new cards instantly. While prepaid debit cards are not traditional, merchants that welcome credit cards also accept prepaid cards.
Which Credit Card Companies Issue Instant-Use Unsecured Cards?
Several credit card companies offer instant-use unsecured cards, allowing customers to use their new credit accounts immediately after approval, usually through a virtual card. Here are some companies that provide this feature:
- American Express: Known for its quick approval process, American Express provides instant access to card account information, allowing customers to add cards to a mobile wallet for immediate use.
- Barclays: Although not as common, some co-branded cards provide the instant-use feature.
- Capital One: Upon card approval, existing customers may receive immediate access to a virtual card through the issuer’s mobile app.
- Chase: Some Chase cards offer an instant card number upon approval, especially for those who apply through the mobile app or online.
- Citi: Some Citi cards offer this feature, providing a temporary card number for instant use, especially for online shopping.
- Discover: Although famous for its customer-friendly features, Discover does not offer instant access to new card details, preventing customers from making immediate purchases.
- Goldman Sachs (Apple Card): Customers manage this card entirely on their iPhones, enabling immediate use with Apple Pay.
- U.S. Bank: The issuer offers instant credit card numbers on selected credit cards, subject to the customer’s identity verification.
- Wells Fargo: Instant credit card access is available to some applicants.
It’s wise to check with the credit card issuer to see if they offer instant-use unsecured cards, as this policy can change over time.
What Happens If I Do Not Get Instant Approval?
A delayed decision is not necessarily a sign that the issuer will deny an application. Here are three scenarios to consider in the absence of instant approval.
Eventual Approvals
Issuers may still approve applicants after a manual review process, which can take a few days to several weeks. The issuer may need additional time to verify the submitted information, obtain missing data, or assess the applicant’s creditworthiness (especially if the credit history is uncommon or complex).
Rigorous identity verification procedures can cause delays, especially if there is a discrepancy between the application and public records. The credit card company may ask for additional documents, including proof of income or identity.
Another source of delay may be that a consumer applied for several lines of credit recently, taxing the issuer’s risk assessment process. Sometimes, issuers experience high application volumes, which can slow down the approval process for everyone.
If an issuer can’t approve an application automatically, it often triggers a manual review, which takes more time. Issuers also check for fraudulent applications, so any red flags can cause additional delays.
Contacting the issuer after a significant delay is reasonable. A customer service agent may provide more information and expedite the process if there has been an undue holdup.
Disapprovals
A denied credit card application is disappointing, but it need not be the end of the road. First, you should understand the reasons for denial.
Applicants should receive a formal notification, often called an Adverse Action Notice, explaining the reasons for the denial. These reasons often stem from information supplied by a credit bureau.
The letter entitles applicants to a free credit report. Reviewing the report for any errors or discrepancies that might have led to the denial is a good idea. Consumers can dispute inaccuracies with the credit bureaus, either independently or through a credit repair specialist.
Consumers should work on improving the aspects of their credit profile that led to the denial, including high credit utilization, late payments, or a short credit history.
Applying for another credit card with lower credit requirements may be a good idea for consumers with bad credit. Unfortunately, most major credit card issuers no longer allow cosigners, but most accept authorized users.
An authorized user is someone with permission to use another person’s credit card account. Authorized users receive their own card bearing their name and can use it to make purchases. They are not the primary account holders and are not responsible for paying off the credit card balance.
Becoming an authorized user is a reasonable strategy for rejected credit card applicants because issuers do not perform a credit check on authorized users. Credit bureaus assign a credit card’s payment information to primary and authorized users, potentially helping both parties succeed at building credit.
Prepaid Debit Cards
Consumers can use prepaid debit cards to pay for purchases without accruing debt, overdraft fees, or interest payments. Prepaid cards do not require a credit check because they do not extend credit, making them a suitable substitute for consumers who are ineligible for (or do not want) a credit card.
Prepaid debit cards help with budget control because cardowners can spend only the money they have loaded onto the card. Consumers can easily use them to make purchases in stores and online. The cards are a safer alternative to carrying cash, and some provide fraud protection.
The cards do have some limitations. They don’t report to credit bureaus, so they won’t assist cardholders interested in rebuilding credit. Many prepaid cards come with various fees, including monthly maintenance, reloading, and ATM charges. Often, these cards lack perks and protections like reward points or travel insurance that credit cards offer.
Some consumers prefer prepaid debit cards to bank accounts or credit cards. Folks with poor credit who are currently ineligible for credit cards can turn to debit cards as a temporary stopgap or a long-term financial tool.
Can I Build Credit With an Unsecured Credit Card?
Consumers can build credit using an unsecured credit card, provided they carefully manage the account. Here are some ways to use no-deposit credit cards to rebuild credit:
- Timely payments: Payment history is the most crucial factor in credit scoring. Paying a credit card bill when due every month can significantly grow credit over time.
- Low credit utilization ratio: Cardholders should keep their balances low compared to their credit limit. Credit bureaus favor a lower credit utilization ratio.
- Long-Term Relationship: Keeping an account open for an extended period can lengthen a cardowner’s credit history, another positive factor.
- Diverse Credit Mix: Having different types of credit can benefit credit scores. Unsecured cards add to the credit diversity of consumers with other types of credit, such as a secured credit card or installment loan.
- Regular monitoring: Keeping an eye on credit reports helps consumers ensure that their information is accurate. Incorrect derogatory data can hurt credit scores.
Consumers must manage their credit cards responsibly to rebuild credit successfully.
Do Not Wait For a No-Deposit Credit Card
Slow service is a popular complaint from consumers in many situations, and credit card issuers know it. That is one reason they strive to provide instant decisions to applicants.
Thanks to technology, you can now apply for a no-deposit credit card and get approved in just a minute or two. Our selection of unsecured cards promises a quick response, and any of them could be a fantastic addition to your wallet.
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