The 12 Easiest Credit Cards To Get With Instant Approval

Getting a credit card doesn’t have to be complicated, even if your credit history is limited or less than perfect. Many banks and fintech providers now offer cards with instant approval decisions and minimal eligibility barriers. The key is choosing a card that matches your credit profile and spending needs. Below are twelve of the easiest credit cards to get approved for quickly, ranging from secured cards to prequalified unsecured options.

1.     Capital One Platinum Secured Credit Card

This card is ideal for beginners or anyone rebuilding credit. You can qualify even with a limited history or a low credit score.

Deposit: As low as $49, $99, or $200 refundable security deposit

Annual Fee: $0

Instant Decision: Yes, typically within minutes

Credit Reporting: Monthly reports to all three major credit bureaus

Why It’s Easy: Flexible approval criteria and automatic credit line reviews after six months

Best for: Credit starters and rebuilders who want a path to an unsecured card.

2.     Discover it® Secured Credit Card.

Discover’s secured card is one of the few that offers cash back rewards even for those with fair or poor credit.

Deposit: Minimum $200

Rewards: 2% at gas stations and restaurants (up to $1,000 per quarter), 1% on other purchases

Annual Fee: $0

Instant Decision: Usually yes, after online verification

Why It’s Easy: Approval is based mainly on deposit and basic identity verification

Best for: People rebuilding credit who still want rewards on daily spending.

3.     OpenSky® Secured Visa® Credit Card

OpenSky doesn't require a credit check, making it accessible to almost anyone.

Deposit: $200 minimum

Annual Fee: $35

Instant Decision: Usually within minutes

Why It’s Easy: No credit check and straightforward online application

Best for: Applicants with very poor or no credit history who want guaranteed approval based on a refundable deposit.

4.     Mission Lane Visa® Credit Card

This card targets users with limited or poor credit and provides prequalification without affecting your score.

Annual Fee: $0–$59 (varies by offer)

Instant Decision: Prequalification results in seconds

Credit Limit Increases: Possible after consistent on-time payments

Why It’s Easy: Prequalification ensures you know your odds before applying

Best for: Those with fair credit looking to move toward mainstream unsecured cards.

5.     Petal® 1 “No Annual Fee” Visa® Credit Card

Petal uses modern underwriting based on your income and spending habits, not just your credit score.

Credit Limit: $300–$5,000

Annual Fee: $0

Instant Decision: Often within minutes

Why It’s Easy: Uses alternative data for approval, helping those with thin credit files.

Best for: Young professionals or students with limited credit history.

6.     Credit One Bank® Platinum Visa for Rebuilding Credit

This card is unsecured and reports to all three credit bureaus, helping improve your score over time.

Annual Fee: $39–$99 (varies)

Rewards: 1% cash back on select purchases

Instant Decision: Typically, yes, after online verification

Why It’s Easy: Designed for fair-to-bad credit applicants

Best for: Those wanting to rebuild credit without needing a deposit.

7.     Reflex® Mastercard®

Reflex accepts applicants with a wide range of credit scores and offers a quick prequalification check.

Credit Limit: Up to $2,000

Annual Fee: $75–$99, depending on credit profile

Instant Decision: Yes, during prequalification

Why It’s Easy: High approval rates for those with past credit challenges

Best for: Consumers working to improve their credit with higher initial limits than those of typical secured cards.

8.     Milestone® Gold Mastercard®

Milestone offers fast approvals and doesn’t require a security deposit.

Annual Fee: $35–$99 (depends on offer)

Instant Decision: Yes, prequalification in seconds

Why It’s Easy: Minimal credit requirements and no deposit needed

Best for: Rebuilding credit without tying up funds for a deposit.

9.     Indigo® Platinum Mastercard®

Indigo specialises in helping individuals with prior bankruptcies or poor credit histories.

Annual Fee: $0–$99

Instant Decision: Typically instant through prequalification

Why It’s Easy: Tailored for applicants with less-than-perfect credit

Best for: People recovering from credit setbacks who want a simple unsecured card.

10.                        Chime Credit Builder Visa® Card

This Chime-issued secured card works differently — there's no traditional credit check or minimum deposit. Instead, it connects to your Chime Spending Account.

Deposit: None (uses linked Chime account balance)

Annual Fee: $0

Instant Decision: Usually instant for existing Chime users

Why It’s Easy: No credit check, no interest, and no fees

Best for: Chime users who want to build credit effortlessly while managing their spending through the Chime app.

11.                        Avant Credit Card

Avant offers an unsecured option for those with fair or limited credit.

Annual Fee: $39

Credit Limit: Up to $1,000

Instant Decision: Often within 60 seconds

Why It’s Easy: Accepts a wider credit range than traditional banks

Best for: Individuals transitioning from secured cards to mainstream credit.

12.                        Capital One QuicksilverOne Cash Rewards Credit Card

This card is excellent for those with average credit who still want rewards and fast approval.

Annual Fee: $39

Rewards: 1.5% cash back on all purchases

Instant Decision: Often within minutes

Why It’s Easy: Accepts applicants with fair credit and offers simple qualifications.

Best for: Moderate credit holders who want rewards with instant approval.

How To Improve Your Approval Odds?

Even though many of these cards offer instant decisions, taking a few simple steps can increase your chances:

• Check prequalification before applying to avoid hard inquiries.
• Pay down existing balances to lower your credit utilisation.
• Apply for one card at a time to prevent multiple hard pulls.
• Provide accurate income and employment details during the application.
• Start with secured or alternative-data cards if your score is below 600.

These small actions can make the difference between approval and denial.

Choosing The Right Instant Approval Card

When comparing your options, focus on what you need most:

• If you don’t have credit yet, go with Discover it® Secured or Capital One Platinum Secured.
• If you have bad credit, OpenSky® or Indigo® are reliable.
• If you want cash back rewards, Petal® 1 or QuicksilverOne stand out.
• If you already use Chime, the Credit Builder Card is one of the easiest ways to strengthen your score without fees or deposits.

The Bottom Line

Instant-approval credit cards help you start or rebuild your credit quickly. Apply for one that fits your profile, use it for everyday purchases, and pay on time while keeping balances low. Responsible use strengthens your score, leading to better cards with higher limits and lower fees. These 12 options make it easier than ever in 2025 to get approved and begin improving your financial standing within minutes.