Writer: Eric Bank
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
Disclosure: When you apply through links on our site, we may earn a referral fee from our partners. For more, see our ad disclosure and review policy.
In the third decade of the 21st century, waiting is not an option. Amazon can deliver some orders in four hours, and you take your life in your hands if you get between that Grubhub guy and a hungry customer.
We are nothing if not attuned to the current vibe, which is why we are reviewing same day credit cards for poor credit. If you want your credit card fast and your approval even faster, keep reading for the 411 on these speedy cards.
Same Day Cards | Next-Day Loans | FAQs
Cards For Poor Credit With Same Day Approval
The following cards offer a same-day approval decision unless they require additional documentation. Unfortunately, you will usually have to wait to receive the card in the mail before it can be used to make purchases.
You can, however, request expedited shipping or even a temporary number to make card-not-present (CNP) transactions before your card arrives, but these features are not generally available from all issuers.
4.7
- 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
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
29.74% (Variable)
|
$0
|
Limited, Bad
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The Capital One Platinum Secured Credit Card offers fast approval, which is not unusual for secured cards. But you can’t use the card until you fund the security deposit.
The amount of your security deposit depends on your credit history. Unfortunately, Capital One doesn’t provide expedited shipping on new cards, although you can get a replacement card in a day or two.
4.6
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge 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
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
See website for Details
|
See website for Details
|
35.90% Fixed
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$75 - $125
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See website for Details*
|
You can also prequalify for this card to see whether you’ll be approved before applying. If you don’t qualify for the unsecured version of this card, you may qualify for the Surge Secured Mastercard®.
4.8
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability* for unauthorized use
- Access your account online or from your mobile device 24/7
- *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
See terms
|
See terms
|
Fair/Good
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The Milestone® Mastercard® offers a quick and easy application and same-day approval. It is geared to consumers with below-average credit, but unlike similar cards, this one charges no maintenance or application fees.
It does, however, charge an annual fee. The amount you’re charged depends on your credit profile. The card also charges a cash advance fee, but it’s waived for the first year.
4.3
- An initial credit limit Up To $500! (See terms*)
- Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
- Checking account required.
- Free credit monitoring powered by TransUnion®
- Fast and easy application process.
- All credit types welcome to apply.
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
35.99%
|
See Terms
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Fair, Bad Credit
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The Total Visa® Card is aimed at consumers with less-than-perfect credit. The application process is fast, and you’ll receive a decision in seconds. If approved, you’ll pay a one-time application fee and an annual fee. There is also a monthly processing fee that kicks in after the first year.
On the plus side, you can choose your card design. The card reports your payments to all three credit bureaus.
4.5
The Capital One Quicksilver Secured Cash Rewards Credit Card markets itself to folks with less-than-perfect credit. You will receive an approval decision moments after applying, and if you’re already a Capital One customer, you can get instant access to your new account upon meeting certain criteria.
This card is an excellent choice for building credit over time with responsible use, but its APR is higher than typical for a secured credit card.
This card is currently not available.6. First Access Visa® Card
Perfect credit is not required to obtain the First Access Visa® Card. You fill out the card’s easy online application for a decision in as little as 60 seconds. The card offers different designs at no extra cost.
Upon approval, you’ll be charged setup and annual fees that will be deducted from your deposit and ultimate credit line. Monthly servicing fees are waived for the first year.
4.6
The Discover it® Secured Credit Card offers quick approval, but you must make a refundable security deposit before receiving the card. You get free access to your FICO credit score, and your payments are reported to the three major credit bureaus.
You may be upgraded to an unsecured credit card with responsible use, such as paying your bill on time each month.
Next-Day Loans For Poor Credit
If you need money quickly and can’t wait several days for a credit card to arrive in the mail, you may want to apply for a next-day loan. The following four loan networks facilitate loans for poor credit that can be funded as quickly as the next business day.
- Short-term loans up to $5,000
- Online marketplace of lenders
- Funds available in as few as 24 hours
- Simple online form takes less than 5 minutes
- Trusted by more than 2 million customers
- Not available in NY or CT
preapproves your bad credit loan request of up to $5,000 if you meet its criteria, including having a monthly income of at least $800. It then matches you on its network to a direct lender that finishes the application process.
If approved by the lender, expect your loan proceeds to appear in your checking account on the next business day. A bad credit score will not disqualify you from finding a willing lender.
- Loans from $500 to $10,000
- All credit types accepted
- Receive a loan decision in minutes
- Get funds directly to your bank account
- Use the loan for any purpose
can match you to direct lenders for loans of $500 or more. To prequalify, you must be a U.S. citizen, age 18+, with a monthly income of at least $1,000.
The direct lender recommended by CashUSA.com can preapprove the loan within a few minutes after gathering additional information and deposit your money the next business day in your checking account.
- Loan amounts range from $500 to $10,000
- Compare quotes from a network of lenders
- Flexible credit requirements
- Easy online application & 5-minute approval
- Funding in as few as 24 hours
To prequalify for a loan facilitated by Bad Credit Loans, you must be 18 or older and a U.S. citizen with a checking account, regular income, and a valid email address. You’ll be matched to a direct lender that can offer loans of up to $10,000 and repayment terms of up to 60 months.
Once approved, your checking account will receive funding as soon as one business day.
- Loan amounts range from $1,000 to $35,000
- All credit types welcome to apply
- Lending partners in all 50 states
- Loans can be used for any purpose
- Fast online approval
- Funding in as few as 24 hours
To prequalify for a loan arranged by PersonalLoans.com, you must be a U.S. citizen or resident of age 18 or older and have a regular monthly income and a bank account. If you prequalify, you’ll be linked to a direct lender for a loan.
Direct lenders from the PersonalLoans network will deposit your money into your checking as soon as one business day. But don’t expect to qualify for the highest loan amount offered with a bad credit score.
What is the Easiest Credit Card to Get Approved For?
Although not included in this review, the OpenSky® Secured Visa® card from Capital Bank makes every effort to approve applicants. It does so by not performing credit checks on applicants.
It’s able to avoid running a credit check with a credit bureau by requiring a security deposit. Your credit line will be equal to the amount you deposit.
The card reports your payments to the three major credit bureaus to help you build credit with responsible use.
4.8
- New feature! Earn up to 10% cash back* on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
24.64% (variable)
|
$35
|
No credit, Poor, Fair
|
Qualified applicants for this secured Visa credit card must be U.S. citizens or permanent residents, age 18+, with a valid Social Security number or Individual Taxpayer Identification Number. You need to receive enough monthly income to pay all expenses.
Do not apply for this card again if you’ve already applied four or more times in the last 60 days. You can have only one credit card from Capital Bank.
The secured cards reviewed above (Capital One Platinum Secured Credit Card and Discover it® Secured Credit Card) are easy to obtain provided you can make a security deposit.
A secured card is a great tool for rebuilding credit from previous mistakes or building credit from scratch when used responsibly.
What Credit Cards Can You Use Instantly?
If you don’t have a credit card and want to make an online purchase now, you can get a card that supports card-not-present transactions. Many prime card issuers support virtual credit card numbers and digital wallet compatibility for instant credit use.
While you wait for the delivery of your physical credit card, a virtual credit card allows you to complete online purchases using a randomly generated account number provided by the card issuer.
The major providers of virtual credit card accounts include American Express, Capital One, Chase, Citibank, Barclays, and USAA. Some issuers give you a new virtual number for each transaction, while others provide reusable virtual numbers.
You can use virtual account numbers for CNP transactions even after you receive a physical card, as this helps reduce credit card fraud. For example, select cards from Citibank provide randomly generated virtual account numbers that are almost impossible to steal.
American Express offers the most extensive virtual account program that covers all of the cards it issues. You can get an instant card number to use for CNP transactions until you receive your physical card.
Chase bank introduced Spend Instantly, which allows approved cardholders to add their card to Apple Pay, Google Pay, or Samsung Pay and use it at checkout in-store and online everywhere digital payments are supported.
Upon request, USAA will issue a temporary virtual card number and a three-digit security code. The virtual card has a $1,000 credit limit.
How Can I Get a Credit Card Fast?
There are times when you need a credit card really fast. Typically, it takes about seven to 10 business days to receive a credit card in the mail once it’s approved.
If the card does not offer instant use, your best bet is to speak with customer service and see if you can arrange expedited shipping.
The following issuers offer faster shipping:
- American Express: Free expedited shipping for Platinum and Delta-branded Amex cards.
- Capital One: Approves some requests for expedited shipping but may require pleading.
- Chase: You can request free expedited shipping on most of its cards with a delivery time of three to five business days.
- Discover: Uses USPS Priority Mail as a standard feature with delivery in three to five business days after approval.
If you can’t get your credit card fast enough, consider a next-day loan. The lending networks in this review can deposit loan proceeds in your checking account in as little as one business day after approval.
Access Cards and Loans Quickly
When you need quick access to credit despite having bad credit, the cards in this review offer same-day approval. Some credit cards let you make purchases on the day of approval without waiting for the card to be delivered.
Lacking this instant-use feature, you may be able to arrange expedited shipping for your new card. If you can’t arrange fast access to a credit card, you can apply for a next-day personal loan from one of the four lending networks reviewed above.
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