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Instant Approval Credit Cards for People with Bad Credit

Do you have bad credit, and still want to get approved for a credit card? If so, the bad news is that with poor credit, you will have a hard time getting credit card approval. You actually need a credit card to repair your credit and improve your credit score.

More importantly, financial emergencies happen, and you might not have some money set aside to pay for them, making credit card ownership very important.

Fortunately, there are banks that are willing to overlook your past financial mishaps and give you a credit card even with poor credit. Here is a look at some instant approval credit cards you could acquire today.

5 Great Instant Approval Credit Cards for Bad Credit

Open Sky Secured Visa

If you have poor credit, then you have a terrific chance of getting approved for this credit card by Capital Bank. They don’t run any credit checks before issuing this card, and a bank account is not necessary either. If you are trying to rebuild your credit, that is great news.

To begin with, this means a bad credit history will not be used against you. Secondly, without a credit inquiry, your credit score will not get worse after the application. In other words, these guys don’t care if you have a bad credit history or not before giving you the card. Otherwise, you will need to verify your identity.

Benefits of the Card

– A low minimum security deposit of just $200
– No credit checks done before the card is issued
– A low APR
– No monthly fees
– Online tools on how to manage credit rating
– Monthly submissions of transaction history to credit bureaus for an improved credit score


– A $35 annual fee
– A 3% foreign transaction fee


Applying for this card is an easy 4-step process as follows
– Provide personal information
– Fill in contact information
– Provide some financial information
– Pay the security deposit

Capital One Secured MasterCard

For those in need of a card with an easy approval process, this Capital One Secured card is among the best options available. The card requires a deposit, but this can be made in installments. Generally, this credit card is great if you are trying to rebuild your credit rating.

Benefits of the Card

– Credit limit can increase based on payment history
– No annual fees
– The card is widely accepted around the world
– No hidden charges
– No foreign transaction fees
– Variable APR
– Low deposit required deposit starting from $49
– Opportunity for building credit through monthly report submissions to 3 major credit bureaus


– APR rate a bit high
– No rewards associated with the card


To get the card, you should complete and submit your application form. After approval, the bank will tell you what amount of security deposit to pay and once you pay it, the card will be sent to you.

Credit One Bank Unsecured Platinum Card

As far as getting a credit card easily goes, even without a good credit standing, this card is one of the best options available. Approvals for this card can come through in less than a minute.

Benefits of the Card

– Very fast approval process
– No deposit required
– 1% cash back on approved purchases
– 0% fraud liability
– Notifications on opportunities for a greater line of credit
– Variable APR of between 16.99% and 24.99%
– No impact on credit rating during application
– Variable annual fees of between $0 and $99


– Annual membership fees of up to $99


Applying for this card is easy, all you need is to be a U.S. citizen of at least 18 years of age.

You can apply for this card online. All you need is to provide personal information such as your names, address, email, income information, phone number and social security number to get issued with the card.

Indigo Platinum MasterCard

However, bad your credit is, this credit card is within easy reach. Even after filing for bankruptcy, you might still get approved for this card. In fact, the approval process is so fast that you will know the status of your application in just 60 seconds. And to prove to you that all it not lost just because you have poor credit, you can even design your card, for free.

Benefits of the Card

– Fast approval process
– Pre-approval available without an impact on your credit score
– Fraud protection available
– Widely accepted around the world
– Good for building credit score as financial reports are sent to credit bureaus


– No rewards
– High APR
– Annual fees of up to $99


To apply for this card, you only need to fill out a short pre-qualification form. Once submitted, a response is given in just 60 seconds. After approval, the card is sent to you.

Discover It Secured Card

If your credit rating is bad, and you can afford to put down a deposit as security, then you should consider the Discover It Secured Card. The card is easy to get, and it comes with a number of great benefits.

Benefits of the Card

– A low security deposit starts from $200, contingent upon your credit limit
– Sign-up bonus provided
– No annual fees
– Rewards available
– 2% cash backs on gas station and restaurant spending, and 1% cash back on other purchases
– Great for rebuilding credit score
– Free monthly FICO credit score views


– Discover cards not widely accepted outside the U.S.
– Security deposit required
– Bank account required


To get this card, you only need a security deposit depending on the credit line you will get on your card. The deposit ranges from $200 to $2,500. As long as you have a Social Security number, a US bank account, and an address, you can get this card after providing a few other details about yourself.


Getting a credit card when your have a poor credit score is basically a second chance at life. Therefore, even with this option, you should be cautious about your spending. More importantly, you should use the opportunity to rebuild your credit rating so that you can get access to better quality credit in future.

Above are some great instant approval credit cards for people with bad credit. You can use these cards to establish a line of credit and rebuild your damaged credit rating for a more promising financial future.