The Ultimate Guide to Credit Cards
Tuesday, September 27, 2022

Same-Day Credit Cards For Poor Credit

Same Day Credit Cards For Poor Credit

credit card advice

Eric Bank

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on CardRates.com, Eric has appeared regularly on Credible.com, eHow, WiseBread, The Nest, Get.com, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

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.

  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad

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.

Surge Mastercard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING

★★★★★
4.6

OVERALL RATING

  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
See website for Details
24.99% – 29.99% (Variable)
See website for Details
See website for Details*
The Surge Mastercard® can provide you with a credit limit of up to $1,000, which may double after making your payments on time each month. You can get approved the same day you apply, but it can take several days to receive your card in the mail.

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®.

Milestone® Mastercard® - Less Than Perfect Credit Considered Review

at Milestone Mastercard®'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$35 - $99
Poor/Bad

The Milestone® Mastercard® offers instant prequalification 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.

Total Visa® Card Review

at Total Card'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Fair, Bad Credit

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.

Indigo® Mastercard® for Less than Perfect Credit Review

at Indigo® Mastercard®'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Bad, Poor Credit

The Indigo® Mastercard® markets itself to folks with less-than-perfect credit. You can instantly prequalify with no impact on your credit score. You then receive an approval decision within 60 seconds.

Your credit profile determines your annual fee, if any. You can choose from among several card designs at no additional charge.

First Access Visa® Card Review

at First Access Visa®'ssecure website

BAD CREDIT RATING

★★★★
4.2

OVERALL RATING

  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Bad Credit

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.

Discover it® Secured Credit Card Review

at Discover Card'ssecure website

BAD CREDIT RATING

★★★★★
4.5

OVERALL RATING

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line 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.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% Intro APR for 6 months
25.24% Variable APR
$0
New/Rebuilding

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
Overall Rating
★★★★★
4.8

MoneyMutual 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
Overall Rating
★★★★★
4.7

CashUSA.com 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
Overall Rating
★★★★★
4.6

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 $500 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
Overall Rating
★★★★
4.4

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.

OpenSky® Secured Visa® Credit Card Review

at Capital Bank N.A.'ssecure website

SECURED RATING

★★★★★

4.5

OVERALL RATING

  • 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
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.89% (variable)
$35
Poor

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, Bank of America, 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.

Bank of America takes a different approach, allowing you to use its mobile wallet app for card-present and card-not-present transactions. The app does not store your actual card number. In 2019, BoA ended its ShopSafe virtual card number service.

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.
  • Bank of America: Provides expedited shipping for special situations.
  • 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.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.