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Instant Approval Credit Cards for Bad Credit (in 60 Seconds After Submission)



Below is a list of credit cards that will approve you instantly even if you have bad credit. You typically get an immediate decision in as little as 30 to 60 seconds (approved or denied) after you submit your application. Whether you get a quick decision depends on whether you fill in your application form correctly and if the issuer can verify your identity. If they cannot, they might ask you to provide proof (like scan a copy of your drivers license) and your approval might take a number of days rather than instantly.

For unsecured credit cards (ie those with zero deposit requirements), even if you get approved instantly, you still need to wait for a number of days for your card to arrive before you can use it. If you are someone with poor credit and low scores, you might choose to apply for a secured credit card. You might get approved instantly though once again, your card will only be sent to you once yours security deposit clears.

First Digital Mastercard

The First Digital Mastercard is an unsecured credit card for those of you who have bad credit in the 500 score range. First Digital's application process is very straight forward and according to their website, you will have a decision in as little as 60 seconds once you have submitted your online application.

Annual Fee: $75 for first year, then $48
One-time Program Fee: $95
Regular APR: 35.99%
Starting Credit Limit: $300

Read our review of the First Digital Mastercard

Total Visa Card

Total Visa does not require you to go through a soft pull pre-approval process. Instead, you just apply online and Total will give you a decision within 60 seconds after you've submitted your online. Filling out the application form takes on average 4 minutes. So within a minute of your online submission, you will know if you are approved, declined or have to wait for a decision a few days later.

Annual Fee: $75 for the first year, then $48.
Monthly Fee: None for first year, then $6.25 a month.
One-time Program Fee: $89.
Regular APR: 34.99%
Starting Credit Limit: $300

Read our review of the Total Visa Card

First Access Visa Card

First Access Visa is another subprime credit card will be give you instant approval if you meet their qualifications. It takes about 3-5 minutes to fill in their application. Once you submit it, you will get a decision within 60 seconds. Like other cards on this page, there is no cumbersome pre-approval process. To increase your chances of a successful application and instant approval, it is best to have a score of at least 530, not more than 3 inquires during the last 6 months, no lates and delinquencies for 90 days.

Annual Fee: $75 for the first year, then $48.
Monthly Fee: None for first year, then $6.25 a month.
One-time Program Fee: $95.
Regular APR: 34.99%
Starting Credit Limit: $300

First Premier Mastercard

First Premier Bank is very well known in the subprime space and what is interesting about their cards is that they offer a range of credit limits from $300 to $700. You could get a credit limit of $300, $400, $500, $600 or $700. And with each credit limit, you get a different set of fees (see our review for more details). They are also one of the new credit cards that offer instant approval (decision within 60 seconds) if you are approved. You are eligible for a credit line increase after 12 months.

Annual Fee: Varies (read our review)
Monthly Fee: Varies (read our review)
One-time Program Fee: $55 to $95.
Regular APR: 36%
Starting Credit Limit: $300 to $700

Self - Credit Builder Account + Secured Visa Credit Card

If you are short of cash and still need to build up an emergency fund, you can apply for the Self Credit Builder and build up your cash reserves while building your credit. Once you have built up sufficient funds, you will be issued a secured credit card based on the deposits you have saved up. This is a painless way to rebuild your credit if you are quite cash strapped. This credit builder account (which eventually becomes a secured Visa) is great for those with really damaged credit and cannot afford to pay fees associated with bad credit cards.

Annual Fee: $25
Regular APR: 23.24%

Starting Credit Limit: $100 minimum

Read our Self - Credit Builder Account + Secured Visa Credit Card

First Progress Platinum Elite Mastercard Secured Credit Card

The First Progress Elite Mastercard Secured Credit Card is one of three secured credit cards from First Progress. It has the lowest annual fee among them at $29. It does not perform any credit checks and those with no credit history can also apply. It is also great for those with terrible credit scores. You can deposit between $200 and $5,000 (which secures your credit line and limit). Because there is no credit checks, approval is guarenteed and all you need is a bank account to fund your deposit and pay your bills.

Annual Fee: $29
Regular APR: 19.99%
Starting Credit Limit: $200 to $5,000
Requirements: No Credit Score Needed, just a checking account.

Read our review of the First Progress Secured Credit Card

First Progress Platinum Select Mastercard Secured Credit Card

The First Progress Platinum Select Mastercard Secured Credit Card is one of three secured credit cards and it's annual fee of $39 is in the middle of the road. The regular APR is also in the middle of the road at 13.99% (which is very reasonable for a secured credit card). Like it's other cards, there is no credit check so approval is guaranteed so once again, it is ideal for those of you with scores that has been adversely affected. You can deposit between $200 and $5,000 (which secures your credit line and limit). Once you are approved, you can apply for another First Progress secured card.

Annual Fee: $39

Regular APR: 13.99%
Starting Credit Limit: $200 to $5,000
Requirements: No Credit Score Needed, just a checking account.

Read our review of the First Progress Secured Credit Card

First Progress Platinum Prestige Mastercard Secured Credit Card

The First Progress Platinum Prestige Mastercard is one of three First Progress secured credit card and it has the lowest APR at 9.99%. It also has the highest annual fee among the three at $49. Like it's siblings, First Progress does not perform any credit checks and you will definitely be approved as long as you fund your security deposit with your checking account. Credit limits (which depend on your security deposit) ranges from $200 to $5,000.

Annual Fee: $49
Regular APR: 9.99%
Starting Credit Limit: $200 to $5,000
Requirements: No Credit Score Needed, just a checking account.

Read our review of the First Progress Secured Credit Card

Net First Platinum

Net First Platinum is an online store card (pay as you go) that will extend you a credit line of between $500 to $1,500. There is no credit check so you will definitely be approved as long as you have a debit card to pay for your purchases. Net First Platinum reports to a credit bureau (at the moment it is Equifax) so you will definitely have a trade line on your credit report. Because this is a "buy now pay later" store card, the APR is 0%.

Annual Fee$0
APR: 0%
Starting Credit Line: $500 to $1,500

Read our review of the Net First Platinum

Unique Platinum

Unique Platinum is another online store card that will also extend a line of credit of $1,000 to you. Because they do not check your credit or income, you will definitely be approved. The APR is also 0% as this is a "buy now pay later" online store if you choose to carry a balance.

Annual Fee$0
APR: 0%
Starting Credit Line: $1,000

Read our review of the Unique Platinum