Instant Approval Credit Cards

Receive an instant response to your credit card or prepaid card application within 60 seconds. Although issuers strive to provide an approval whenever possible, more time may be needed in certain circumstances to determine if your application is approved, denied, or additional verification is needed.

See offers from our partners below.

Apply Now Credit Needed
Fair/Bad Credit
  • Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
Apply Now at Fingerhut's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
See Issuer Website
Annual Fee
$0
Credit Needed
Fair/Bad Credit

OpenSky® Secured Visa® Credit Card

Apply Now Credit Needed
No Credit Check
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Apply Now at Capital Bank's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
18.64% (Variable)
Annual Fee
$35
Credit Needed
No Credit Check

Horizon Gold Card

Apply Now Credit Needed
Bad Credit
  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR
Apply Now at Horizon Gold's
secure site
Purchases Intro APR
0.00% for 0 months
Balance Transfers Intro APR
N/A
Regular APR
0% (Fixed)
Annual Fee
$24.95 benefits plan membership will be auto-debited monthly
Credit Needed
Bad Credit

CityScape ACE Elite™ Visa® Prepaid Debit Card

Apply Now Credit Needed
No Credit Check
  • Need your money now? Get paid up to 2 days earlier with Direct Deposit.2
  • With qualifying Direct Deposit, make no-fee cash withdrawals up to $300 a day at ACE locations.6
  • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.5
  • Transfer funds to other ACE Elite Cardholders for no fee.10
  • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.9
  • Get Payback RewardsSM for using your card on some of your everyday purchases.8
  • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
Apply Now at Ace Cash Express's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
Variable Monthly Fees
Credit Needed
No Credit Check

primor® Secured Visa® Gold Card

Apply Now Credit Needed
Limited/No Credit
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
Apply Now at primor's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
9.99% (Fixed)
Annual Fee
$49
Credit Needed
Limited/No Credit

UNITY® Visa Secured Credit Card

Apply Now Credit Needed
Bad Credit
  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
Apply Now at OneUnited's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
9.95% for 6 months
Regular APR
17.99% (Fixed)
Annual Fee
$39
Credit Needed
Bad Credit

Comparing Credit Cards for Instant Approval

Updated: January 11, 2018

CreditCards.com's Best Instant Approval Credit Cards:

  • Fingerhut Credit Account issued by WebBank
  • OpenSky® Secured Visa® Credit Card
  • Horizon Gold Card
  • CityScape ACE Elite™ Visa® Prepaid Debit Card
  • primor® Secured Visa® Gold Card
  • UNITY® Visa Secured Credit Card

While card issuers shy away from promising instant approval, you can be approved within minutes in many cases. Add to that, there is a card for nearly everyone – it’s just a matter of knowing what you want and what you will likely qualify for. Here, we look at:

  • How long does it take to get approved for a credit card?
  • What does it mean to be preapproved for a credit card?
  • Do preapproved credit cards hurt your credit score?

Whatever your reason for applying for a credit card, we’ll answer your most pressing questions:

How long does it take to get approved for a credit card?

It can take just moments to be approved for a credit card, and some banks allow you to use the card immediately online. It can take about 10 days to get the physical card, depending on the card issuer.

What does it mean to be preapproved for a credit card?

When you are preapproved for a credit card, it is not a guarantee that you will get the card. It is simply an invitation to apply because the bank likely checked your credit and has decided you might be a good customer. Once you apply, you could be offered another offer, or you could even be rejected. If you don’t want the card, be sure to shred the preapproval because there can be personal information printed on it, such as your name and address.

Do preapproved credit cards hurt your credit score?

A preapproval for a credit card is basically an invitation to apply for a card and does not hurt your credit score. The bank has likely pulled your credit, but it is what is called a “soft pull,” which doesn’t affect your credit. When you apply for the card, the bank will conduct a hard pull, which will impact your credit score by about 5 points.

Join the Discussion

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The comments posted below are not provided, reviewed or approved by the card issuers or advertisers. Additionally, the card issuer or advertiser does not assume responsibility to ensure that all posts and/or questions are answered.

See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.

* For additional rates, fees and costs see issuer's website for detailed pricing and terms.