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 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 at least 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
- 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 to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app
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.
- 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
- 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)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
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®.
- 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® 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 fees for the first year or application fees.
It does, however, charge an annual fee. The card also charges a cash advance fee, so it’s best to review the card terms to be sure you’re aware of all fees before applying.
- Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^
- An initial credit limit Up To $500! (See terms*)
- Checking account required.
- Free credit monitoring powered by TransUnion®
- Fast and easy application process.
- All credit types welcome to apply.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details
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.
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.
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.
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.
*Money added to Chime CardTM will be held in a secured deposit account as collateral for your Chime Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
**Out-of-network ATM withdrawal and over the counter advance fees may apply.
***With a qualifying direct deposit, earn 2% cash back on category of choice on eligible secured Chime Visa® Credit Card purchases.
****On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
The The secured Chime Visa® Credit Card is unique in that it is a secured card that doesn’t require a minimum security deposit. It’s instead secured by funds you transfer to your card, similar to a debit card.
But unlike a debit card, your payments are reported to the credit bureaus each month, and the average user increases their credit score by 70 points when consistently paying on time.
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
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
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 into 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® Credit Card 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 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.
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 2 million+ cardholders who have used opensky® to build better credit!
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 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.
Quick Access Cards and Loans Online
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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Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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