What Are the Best Instantly Approved Credit Cards?
If you’re facing an unexpected expense, such as a home or car repair, you may need some credit to be able to afford it. Or perhaps you’re planning to make a large purchase for travel and want to take advantage of rewards for travel purchases. For situations like these, instantly approved credit cards may offer an ideal solution.
There are plenty of options to choose from when it comes to instant approval credit cards. It can be overwhelming to sort through the different cards, so we’ve put together a list to help.
Read through our list of the best instantly approved credit cards. We hope this information will help lead you to a decision.
Capital One(R) Secured Mastercard(R)
If you’re looking to build your credit, the Capital One Secured Mastercard may be the instant decision credit card for you.
Once authorized, the program requires that you make a security deposit. Your creditworthiness will determine the amount. Then you’ll receive your initial credit line.
This card has no annual fee but still has all the credit building benefits you’re after. Capital One reports to the three major credit bureaus regularly. After you make your first five monthly payments on time with no additional deposit needed, you’ll earn a higher credit limit.
Total Visa(R) Card
Like Capital One, Visa also reports to all three major credit bureaus so you can use your card to help you establish credit. Plus, having a genuine Visa card gives you the ability to use your credit to make purchases at countless merchants across the U.S. and online.
The Total Visa Card offers a fast, easy application process with approval response provided instantaneously. Once approved, you just pay a processing fee to open your account before given access to your credit. This card program requires a checking account.
Discover it(R) Secured Card
This Discover card was designed to help you establish or rebuild your credit. This is one of the best instantly approved credit cards for low credit, and the approval process is right away.
Like most cards designed for building credit, the Discover it Secured Card requires a security deposit to establish a credit line. After eight months of use, Discover will review your account to determine if you’re eligible for an unsecured line of credit.
This card has no annual fee, and you get cash back on every purchase. You’ll also receive free social security number alerts to help protect you as you work to improve your credit.
Blue Cash EveryDay(R) from American Express
American Express offers instantly approved credit cards for most of their programs. In fact, they often provide the actual card identification number and a digital image of your card immediately upon approval.
The Blue Cash Everyday card – like most American Express cards – does require a higher credit score for approval, but if you’re qualified, that approval will come quickly. Plus, enjoy a low introductory APR on purchases and balance transfers and no annual fee.
Capital One(R) VentureOne(R) Rewards Credit Card
Capital One will also provide instant access to your credit card number. You just need to download their app and sign in to access these instantly approved credit cards.
Once approved for the Capital One VentureOne Rewards Credit Card, you can use it for purchases immediately. This is especially beneficial if you want to earn travel rewards now.
If you spend $1,000 on this card within three months of opening the account, you’ll receive 20,000 travel miles.
Chase Sapphire Preferred(R) Card
This Chase card offers some of the best rewards, especially when it comes to travel purchases and using your card overseas.
With the Chase Sapphire Preferred Card, you can earn double points on travel purchases, including airfare, hotels, and even taxis and trains.
When you’re traveling, you can use this card without having to worry about any foreign transaction fees. Plus, more than 44.4 million merchants worldwide accept Chase cards.
The Amex EveryDay(R) Credit Card from American Express
Like the Blue Cash EveryDay card, this American Express card may also give you near-instant access to your credit account. But this card also boasts an impressive rewards program, especially if you plan to use the card for everyday purchases.
Use your Amex EveryDay Credit Card more than 20 times in one billing period and you’ll earn 20 percent back in bonus points. You also receive two rewards points for every dollar spent on groceries.
Finally, receive another 10,000 bonus points if you use this card for more than $1,000 worth of purchases within three months of opening your account.
Netspend(R) Visa(R) Prepaid Card
This prepaid card allows you to get paid faster than with a paper check. There are no late fees or interest charges since it isn’t a traditional credit card.
MetaBank(R), a member of the FDIC issues The Netspend Visa Prepaid Card. You can use it anywhere merchants accept Visa Debit cards. You can get your paychecks and even your tax refund directly deposited into your account for immediate use.
Use the mobile app to manage your account and receive text message alerts.
Brink’s Prepaid Mastercard(R)
The Brink’s Prepaid Mastecard, like the Netspend Visa Prepaid Card, pays faster than if you had to wait to deposit a paper check. Best of all, you won’t have to worry about late fees or interest rates.
The Brink’s Prepaid Mastercard is issued by BofI Federal Bank, FDIC member. You can use your prepaid Mastercard anywhere Mastercard Debit cards are accepted. This card requires no minimum balance.
Learn More about Instantly Approved Credit Cards and Loan Options
We hope you found our list of the best instantly approved credit cards to be helpful. We’re dedicated to providing our audience with the most valuable information relating to all things financial.
Browse our site to learn more about credit card and loan options, as well as tips on maintaining a good credit score, taking advantage of federal student loan debt relief, and more.
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