How to Obtain a Credit Card Approval Instantly in the United States

Gaining approval for specific credit cards can pose a challenge. According to the fourth annual report by Salary Finance, 33 percent of Americans faced credit denials within the past year. Individuals with less-than-ideal credit scores or a checkered credit history may encounter difficulties securing approval for cards offering minimal perks and modest credit limits. However, even with lower credit scores, swift approval for credit cards is attainable through online research and selecting suitable options.

Moreover, utilizing these approved credit cards can aid in rebuilding your credit history and bolstering your credit score. Delve into online resources to gain insights into this process.

Below are 10 credit cards that you may be eligible for instant approval.

Highlights:

  • Low annual fee.
  • Flexible credit limit ranging from $200 to $3,000.
  • Offers all the advantages of a Visa credit card.

With the Secured Visa Credit Card from OpenSky, you can bypass the credit check during application, making approval easier for individuals with limited or no credit history.

Additionally, OpenSky reports your monthly activity to Equifax, Experian, and TransUnion, aiding in the gradual improvement of your credit score. Remarkably, 99 percent of cardholders who initially lacked a credit score managed to establish one within just six months.

Highlights:

  • No annual fee.
  • Credit limit of up to $1,000.
  • Provides unlimited free access to your credit score.

With the Capital One Platinum Secured Credit Card, you can responsibly rebuild your credit score. To begin, you submit a security deposit, which serves as collateral for your credit line. You also have the option to boost your credit limit by adding more to your deposit.

Moreover, your credit limit may increase over time based on your payment history and creditworthiness. Within approximately six months, you’ll automatically be considered for a higher credit limit. Cardholders have the opportunity to recoup their deposit and upgrade to an unsecured Platinum card.

Highlights:

  • No annual fee.
  • Instant $100 Amazon gift card upon approval.
  • Accepted anywhere that Visa cards are accepted.

Amazon, renowned as the ultimate online marketplace, offers its own credit card. Prime members can enjoy five percent cash back on Amazon and Whole Foods Market purchases, along with two percent cash back at restaurants, gas stations, and drugstores. All other purchases earn one percent cash back.

Highlights:

  • Cash back rewards.
  • $10 Purchase Cushion available.
  • Optional Savings Account.

Easy activation and reloading options:

  • Direct Deposit enrollment.
  • Money transfer with other Brink’s cardholders.
  • Reload locations in the Netspend Reload Network.

Reduced Monthly Plan eligibility with Direct Deposit of $500 or more, offering discounted purchase transactions, $10 Purchase Cushion, and optional Savings Account access.

Highlights:

  • No fees.
  • Credit lines ranging from $500 to $25,000.
  • Earn up to three percent cash back.

Once approved, the Upgrade Triple Cash Reward Visa is immediately available for use. Described by CNET as a hybrid of a credit card and a line of credit, this card can assist in managing unforeseen expenses and regular monthly payments.

The card offers additional benefits. Users can benefit from unlimited cash back on purchases, with up to three percent cash back on categories like home, auto, and health, and one percent cash back on all other purchases.

Highlights:

  • No credit history required.
  • Zero interest or fees.
  • Credit limits extend up to $10,000.

Individuals with limited or poor credit history can explore the Tomo Credit Card. Tomo assesses applicants based on their unique situations and employs alternative methods to assess creditworthiness.

In addition to its fee-free structure, cardholders can benefit from a one percent cashback offer. Furthermore, by reporting to all three major credit bureaus, Tomo facilitates the gradual improvement of your credit score over time.

Highlights:

  • Monthly fee of $4.95.
  • Accepted at all locations that take Debit Mastercard.
  • Earn a $20 credit for each friend you refer.

For individuals with a PayPal account, the PayPal Prepaid Mastercard offers convenience in making purchases wherever Debit Mastercard is accepted.

You can seamlessly transfer funds from your PayPal balance to your card without incurring additional fees. Additionally, you can load your card via Direct Deposit or at over 130,000 reload locations nationwide.

Simply place your order online and expect delivery within seven to ten business days.

Highlights:

  • No annual fee required.
  • Earn two percent cash back on purchases.
  • Start with a credit line of $200.

With the Discover it Secured Credit Card, building your credit history becomes straightforward. You have the flexibility to select a credit limit that suits your needs, backed by a refundable security deposit. After seven months, your account will be evaluated, potentially leading to qualification for an unsecured card along with a deposit refund.

Begin with a minimum deposit of $200, and if approved, larger deposit options are available up to $2,500. Your credit activity will be regularly reported to all three major credit bureaus, facilitating the gradual improvement of your credit score over time.

Highlights:

  • No annual fees required.
  • Start with a minimum deposit of $200.
  • Earn unlimited 1.5 percent cash back on all purchases.

The Quicksilver Secured Cash Rewards Credit Card offers several appealing features. You can determine if you’re pre-approved without impacting your credit score. Once you receive the card, simply deposit a minimum of $200.

Additionally, Capital One provides unlimited 1.5 percent cash back on all purchases. With responsible usage, you have the opportunity to recoup your deposit over time and potentially upgrade to an unsecured credit card.

Highlights:

  • No need for a credit check.
  • Earn unlimited cash back.
  • Convenient Sable app for easy management.

For those seeking to swiftly build credit, the Secured Sable ONE Credit Card offers a solution. With responsible usage, you could transition from a secured to an unsecured card in as little as four months. Enjoy two percent cash back on preferred brands, with a double cash back match in the initial year.

Additionally, the Sable app simplifies tracking cash back rewards and managing monthly payments.

Secured credit cards offer advantages to individuals with poor credit scores or no credit history. Not only can you tailor the credit limit to your needs, but you can also gradually rebuild your credit profile. Additionally, most issuers report your activity to credit bureaus, facilitating credit score improvement over time.

Despite their limitations, many secured credit cards provide cash back rewards. By using a secured card, you can earn rewards on everyday expenditures and access other perks typically offered by credit card companies.

If rapid credit card approval is your goal, secured cards offer a viable solution. Various options cater to different financial circumstances and preferences. By consistently using these cards, you can establish a credit history and potentially become eligible for other credit products in the future.

Before applying for a card, it’s crucial to assess whether the application process will impact your credit score. Additionally, comparing monthly fees and associated costs is essential for determining the overall expense of the credit card.