how to get Instant Approval Credit Cards for people with Bad Credit?
In the past, it takes days to complete a credit card application. It even takes several days to get approval and the card itself. By the time you get the card, you may have wasted so much time. This has changed over the years and with online applications.
Now, people can get their credit cards easily. Although there have been improvements in the issuing of cards, not all card companies can guarantee a fast application process.
Some card companies need to do lots of verification and processes before they offer the card to you. Of course, the company that has stringent processes cannot give you the card within a short time. This article does not focus on such credit cards.
In this era where speed really matters, people really appreciate it when services are offered instantly. Credit cards are not an exception. Many people do not want to waste time on credit card applications. This article focuses on credit cards with an easier application process that is likely to give you instant application results.
list of instant approval credit cards for people with bad credit
With such cards, when you apply for them, you will know very quickly if you will get the card or not. Here is a list of such credit cards.
- Capital One Secured MasterCard
It is easy to get this card even when you have bad credit. This card does not attract an annual fee and you can easily build your credit history with this card. If you make regular payments, you will be able to quickly strengthen your credit history. The purchase APR on this card is 24.99%. Since this card is a secured card, you will need to make a refundable cash deposit before you get the card.The cash deposit depends on your creditworthiness. The more creditworthy you are, the lower the cash deposit requirement. You will either pay $49, $99, or $200 as a deposit. You will get $200 as your initial line of credit. However, that will increase if you use your card responsibly for the first 5 months. After five months, the credit card company will review your account and if you qualify for a credit limit increase, they will offer you the opportunity to increase your limit. You do not need to make an additional deposit for an increase in your credit limit. You can easily manage your account via the mobile app or the online. This card is widely accepted and you will not get stranded when you hold this card.
- Credit One Bank Platinum Visa with Cash Back Rewards
With this card, you will get an approval decision very quickly. You can check if you stand a chance of qualifying for this card without harming your credit score. The entire application process is simple and you will get access to your card in no time. This card offers you $0 fraud liability which means you will not be responsible for unauthorized charges in case you lose your card.Credit One Bank will review your account to see if you are eligible for an increase in your credit line. You can choose your due date and that increases the convenience of use of this card. That means that you will hardly miss payments if you choose due dates that will work for you. You can access your account through the mobile app. You will receive alerts and account updates through text and this can help you to effectively monitor your account.
- OpenSky Secured Visa Credit Card
With the OpenSky, you will not get cash back rewards, miles, or points. However, they have offers that will still attract you to this card. OpenSky offers every individual an equal opportunity to get a credit card. There are no credit checks and your bankruptcy history will also not prevent you from getting the card.This card can help you to build your credit score quickly since they report to all three credit reporting agencies. Once you make regular payments and you pay your minimum balance requirement, you can build your credit history quickly. You will need to make a credit deposit to get the card. The cash deposit will decide your credit limit for the card. The minimum deposit you are required to make is $200. This cash is refundable and you can get it back when you make full payment for the balance on your credit card. OpenSky has a Facebook community that brings all cardholders together on one forum. Cardholders can share their experiences and insights on this page. The APR charged on this card is 19.14% but you will need to pay a $35 annual fee.
- Horizon Gold Card
The Horizon Gold Card is another card that is worth mentioning. You are likely to qualify for this card if your credit score ranges from 300 to 670. When you apply online, you will get the results faster than you expect. This credit card presents you with an opportunity to build your credit history.Since they report to all three credit reporting bureaus, you will be able to build your credit history quickly. With this card, they will not check your employment history before approving you for the card. One good thing about this card is that you do not need to make a security deposit before you qualify for this card. This is an unsecured card and the initial credit limit is $500. Fortunately, the APR on this card is 0%, however, the annual fee is $24.95.
- Green Dot Primor VISA Gold Secured Credit Card
If you are looking for a card company that can offer you a credit card in no time, this is one of your best bets. The application process is simple, easy, and fast. You will enjoy low rates when you sign up for this card. The fixed APR on this card is as low as 9.99%.The available line of credit ranges from $200 to $5,000. With this card, you will not pay penalty rates. There are also no processing fee or application fee attached to this card. You do not need to worry about your credit score since there is no minimum credit score requirement. The annual fee charged on this card is $49. You can use this card to strengthen your credit score since they report to all three credit reporting bureaus. You should try as much as possible to pay up your balances in full and on time.
- Unity VISA Secured Credit Card
Although this card does not offer cash back rewards, it has lots of attractive features for its cardholders. You can complete the application process quickly and you will get the card on the same day. There is no minimum credit card requirement. This card can also help you to build your credit score.You only need to use this card responsibly to build a strong credit history. The annual fee charged on this card is $39 and the balance transfer rate for the first 6 months is 9.95%. The regular APR on this card is fixed and it is 17.99%. Fortunately, you will not pay an application fee or a penalty fee. You will need to make a cash deposit to get this credit card. The minimum cash deposit required is $250.
- First Progress Platinum Prestige MasterCard Secured Credit Card
This card introduces a new feature that allows for fast card processing. The New Expedited Processing Option allows you to receive your card more quickly. When you apply for this card, they will not run a credit check since there is no minimum credit score requirement. That means that they will approve your card even if you have a poor credit score. You can use this card when you want to rent a car and make payments to hotels.The card is accepted at several locations worldwide. You can use this card to repair your credit history since they report to all three credit reporting bureaus. You should make sure you make payments regularly and you should try as much as possible to get full make full payments. Since this card company reports payments to the three major credit reporting bureaus, they will also report missed payments to these bureaus. This can affect your score so much hence you should use your card responsibly. You can secure your credit line with a cash deposit that ranges from $200 to $2,000. This deposit is refundable and must be submitted along with the application. Whenever you want your deposit back, you can pay your balance in full and you will get your deposit back. You can get online access to your credit card at any time.
- Milestone Gold MasterCard
The Milestone Gold MasterCard is a good card option for people who need a good credit card although they have a poor credit score. You can check if you qualify for this card without hurting your credit score. You will get a credit decision in a few minutes when you apply for the card. You will also get the chance to choose a custom design for your card.Milestone gives you free online access to your account. When you lose your card, you can still rest assured because you will not be responsible for any charges that are made to your card around this period. This card is accepted in over 35 million locations worldwide. Do you have a bankruptcy on your card? Do not fret. You can still apply for this card since they do not care about your bankruptcy history. Milestone’s annual fees range from $35 to $99 and the APR is 23.90%. For the first year, you may qualify for a lower annual fee. Some people paid as low as $35, $59, or $75 in the first year. You may also be required to pay an account opening fee and that also varies. It could be $5, $25, or $50. If you add an authorized user to your card, you may be required to pay a $25 fee. Late payments also attract fees and it can be up to $38.
- Indigo Platinum MasterCard
Indigo allows you to get a card even if you have a poor credit score. Indigo will help you get a card without any stress. The application process can be completed in a matter of minutes. You will also receive your card before you know it. You will also get to choose the card design you prefer for free. Indigo offers you the opportunity to strengthen your credit history through constant payments.They report to all the three major credit reporting bureaus (Experian, TransUnion, and Equifax). You can have a frequent access to your account online. Even when you lose your card, you are confident that you will be protected against fraudulent activities. Since this card is backed by the MasterCard, you can use it at all locations where the MasterCard is accepted. This increases the convenience of use. Indigo issued by Genesis FS Card Services. You can apply for the Indigo Platinum MasterCard even if you have a bankruptcy history on your card. you can also check if you prequalify for this card and this does not affect your credit score. You will pay an annual fee ranges from $0 to $99 when you use this card. The APR on this card is 23.9%.
With AvantCard, the application process is simple and fast. You can complete the application in minutes and AvantCard also grants you the chance to know to chance to know the results of your application without delay. When you get this card, you do not need to worry about fees you are not prepared for since there are no hidden fees. This card can help you build your credit history. You will be required to pay your balances on time to maintain a good credit history. Paying your balance on time can also help you to increase your line of credit. The credit card company will review your credit account and see if you qualify for an increase in your line of credit. If your account shows that you make regular payments, they will give you the opportunity to increase your line of credit. You can pay your balances through online banking at any time. You can rest assured that you will not incur debts when you lose this card. The zero fraud liability feature on this card prevents you from being responsible for all unauthorized charges.
- Merrick Bank Double Line Visa Credit Card
The Merrick Bank card is easy to apply for. You can check if you prequalify before you even apply for this card. when you are checking if you pre-qualify, the entire process takes less than 1 minute and it does not harm your credit score.This financial institution will offer to double your line after the first 7 months provided that you use your card responsibly. The increase is automatic and it happens right after you make payments for the 7th month. You will also receive your updated FICO score at the end of every month. You will also get protected from fraud activities when your card gets stolen or lost. The bank is responsible for card protection against fraud during this period. This means that you will not be responsible for unauthorized charges. You can access your account online or through the dedicated app. Fortunately, you will not pay penalty rates or over the limit fees when you use this card.
- Total VISA Unsecured Card
The Total VISA Unsecured Card is another card that is worth mentioning. You can easily get this card even if you have a bad credit score. You will need a checking account to apply. This card is accepted at locations where Visa is accepted. The monthly payments are manageable.With the Total VISA Unsecured Card, you can build your credit history. They report to the main credit reporting bureaus and this gives you the opportunity to build your credit history. You will also have the opportunity to choose a unique design for your card. This does not come at an extra cost. Total VISA will also review your account and see if you are eligible for an increase in your credit limit. If you are eligible for an increase in your credit limit and you consent to it, they will increase your limit for free. The Total Visa card has an initial credit limit of $300 and you should be cautious when you are making large purchases. Although the fees are not specified, you are likely to pay an annual fee, processing fee, and late fees.
Although these cards have easy and fast application processes, the process may prolong in some circumstances. If you have a network problem and applying online, you may take a longer time. When you are making a decision, you should consider your preferences.
For instance, do you prefer a secured or unsecured card? If you do not want to make a cash deposit, focus on the unsecured card. You can also consider the fees that come with the card. Some cards have lower fees.
Some have even waived the annual fees and even the foreign transaction fee. Consider all these before making a choice.
Rudi is a credit analyst who writes articles about credit scores, building credit, and consolidating debt. His know-how on poor credit and credit unions make his input invaluable to our company. There is no credit score out there that Rudi can’t help with.