Easy credit cards to get approval for instantly | finder.com

Easy credit cards to get approval for

Compare credit cards with instant and near-instant approval and more realistic eligibility requirements to increase your chances of success.

While most credit cards can offer approval within 60 seconds when you apply online, you’ll still need to meet a number of eligibility requirements to be successful. Some credit cards have stricter eligibility requirements than others, so it’s important to know what type of credit card you’re eligible for before you apply. Use this guide to compare credit cards with near-instant approval, lower income requirements and to understand exactly what you need to do to improve your chances of approval when applying for your next credit card.

primor® Secured Mastercard® Gold Card

Our Pick: Primor® Secured Mastercard Gold Card

If you have little or poor credit, this card offers guaranteed approval and easy-to-meet eligibility criteria — with no fees or credit check required.

  • Annual fee: $49, waived the first year
  • Purchase APR: 9.99% variable

    Compare easy credit cards to apply for

    You may get a response in 60 seconds with the credit cards in the table below.

    Rates last updated February 25th, 2018
    Name Product Product Description Intro APR for Balance Transfer APR for Purchases ( Purchase Rate ) Annual fee
    primor® Secured Mastercard® Gold Card
    Low fixed interest rates with no penalty rate.
    9.99% variable
    First Progress Platinum Prestige Mastercard® Secured Credit Card
    You can increase your credit limit by adding funds to the initial deposit.
    9.99% variable
    OpenSky® Secured Visa® Credit Card
    A secured Visa® credit card that helps you build your credit quickly.
    18.64% variable
    First Progress Platinum Elite Mastercard® Secured
    With just a security deposit and 19.99% variable APR, start building or rebuilding your credit history.
    19.99% variable
    UNITY Visa Secured Credit Card
    Borrow up to $10000 and get your credit score back on track.
    9.95% Intro APR for 6 months (with Whichever is greater: $10 or 3% balance transfer fee)
    17.99% fixed
    Applied Bank Secured Visa Gold Preferred Credit Card
    This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
    9.99% fixed
    State Department Federal Credit Union (SDFCU) Savings Secured Visa Platinum Card
    Created to help you establish or rebuild credit.
    13.24% variable
    SKYPASS Visa® Secured Card
    Earn SKYPASS miles while building your credit history in the United States.
    17.49% variable

    Have we missed anything in the comparison table? Tell us

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    The most popular questions about instant approval credit cards

    Which types of cards are easier to apply for?

    Credit card requirements generally increase in demand with premium cards which include more perks and benefits. The following types of credit cards have fewer requirements for successful application:

    • Easy credit cards to get approval forSecured credit cards.
    • Low-interest rate and credit limits. Not all credit cards charge the same interest, and if you plan to keep balances in your account rolling from one month to the next, getting a card with a low-interest rate on your purchases is a worthwhile bet. A typical low-interest rate would not offer extras like concierge access and complimentary insurances, but it would offer all basic features you can expect from a credit card.
      People who have a low income can’t expect to get cards with high credit limits, so their options are cards that come with low credit limits. You can expect to start off with a credit limit of around $500, and you can then work your way up as you build a positive account history.
    • Joint account. If you don’t earn enough to apply for a credit card, you can consider applying for one as a joint applicant, by combining your income with your partner’s income. If your partner has an existing credit card, you can even think about getting an additional card linked to it for you.
    • Low annual fee. Annual fees on credit cards vary, but the majority are reasonably priced and only applied to your card once per year. Read our guide to no annual fee credit cards to compare your options.

    What are the benefits and limitations of applying for one of these cards?


    • Suitable for those with low credit scores. This, without a doubt, is the biggest advantage of such cards, given that people with lower credit scores don’t have too many options. If you have no credit or a low credit score (300 – 619), you can think about applying for one of these credit cards.
    • Expenses in check. One risk of getting a credit card is over spending. A typical low-income credit card comes with a low credit limit, ensuring that you don’t end up making excessive purchases.
    • Promotional interest rates. Certain low-income credit cards come with promotional interest rates that stay in place for varied time periods, typically in between six to 12 months. These promotional rates normally apply only to balance transfers, but some cards offer these rates on purchases as well.


    • Paying high interest. Credit cards charge interest on purchases and cash advances, and these might or might not be the same. With a card that charges high interest, if you don’t pay your balances in full each month you could end up paying a significant amount in the form of interest.
    • Fees and charges. Depending on the credit card you wish to get, you might have to pay application fees and ongoing account keeping fees. If you don’t make timely repayments you could have to pay late charges.
    • Spend more than you can repay. Getting a credit card gives you the means to buy things even when you don’t have the money to pay for them at the time, and if you give in to your impulses you can end up with debt that is hard to repay. When you use a credit card, it is important that you plan ahead and know just where future repayments would come from before buying anything.

    How to apply for one of these credit cards

    Once you’ve compared your options, you can apply for a card and receive a response within 60 seconds. Before you apply, though, make sure you’ve made sure you meet the eligibility requirements and have the relevant documents handy.

    Eligibility requirements

    To apply, you would usually have to meet the following eligibility criteria:

    • You’re at least 18 years of age
    • You’re a permanent resident of the U.S.A or an American citizen
    • You have a regular source of income

    Necessary documents

    You also need to provide different types of information, which could include the following:

    • Your complete name, date of birth, and details from your American driver’s license or passport
    • Your residential address, email address, and phone number
    • Your employer’s name, phone number, and address

    While you don’t have to earn a lot of money to get a credit card, bear in mind at all times that you would have to repay the money you borrow, maybe, along with interest. If you still wish to apply, make sure you compare your options well before deciding to select the option that suits your unique financial situation.

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      Adrienne Fuller

      Adrienne is a Publisher at finder and has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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