Guide to Best Instant Approval Credit Cards for Any Credit Score in 2024

Credit Card	Approval Speed	Highlights
Home Trust Secured Visa Card	Instant	No annual fee option, low interest option, reports to major credit bureaus
Plastk Secured Visa Credit Card	Instant	Points reward system, initial credit limit between $300 and $10,000, monthly credit score update
Capital One Guaranteed Secured Mastercard	Instant	Guaranteed approval, reports to credit bureaus, credit limit up to $2,500
Refresh Financial Secured Card	Instant	No credit check, credit-building opportunities, low annual fee
Neo Secured Card	Instant	Average 5% cash back at partners, credit limit matches deposit, reports to major credit bureaus
KOHO Credit Building	Instant	Prepaid card with credit building features, no interest charges, reports to credit bureau
Triangle World Elite Mastercard	Near Instant	Requires fair credit; offers cash back on everyday purchases, no annual fee
PC Financial Mastercard	Near Instant	Available for less than perfect credit, earns PC Optimum points, no annual fee
People’s Trust Secured Mastercard	Instant	Fixed interest rate, credit limit up to $25,000, reports to major credit bureaus
BMO Preferred Rate Mastercard®	Near Instant	Low interest rate option, requires fair credit, reports to credit bureaus

Credit Card

Approval Speed

Highlights

Home Trust Secured Visa Card

Instant

No annual fee option, low interest option, reports to major credit bureaus

Plastk Secured Visa Credit Card

Instant

Points reward system, initial credit limit between $300 and $10,000, monthly credit score update

Capital One Guaranteed Secured Mastercard

Instant

Guaranteed approval, reports to credit bureaus, credit limit up to $2,500

Refresh Financial Secured Card

Instant

No credit check, credit-building opportunities, low annual fee

Neo Secured Card

Instant

Average 5% cash back at partners, credit limit matches deposit, reports to major credit bureaus

KOHO Credit Building

Instant

Prepaid card with credit building features, no interest charges, reports to credit bureau

Triangle World Elite Mastercard

Near Instant

Requires fair credit; offers cash back on everyday purchases, no annual fee

PC Financial Mastercard

Near Instant

Available for less than perfect credit, earns PC Optimum points, no annual fee

People’s Trust Secured Mastercard

Instant

Fixed interest rate, credit limit up to $25,000, reports to major credit bureaus

BMO Preferred Rate Mastercard®

Near Instant

Low interest rate option, requires fair credit, reports to credit bureaus

Instant Approval Credit Cards

Instant approval credit cards offer a quick and convenient way to secure credit, often within minutes of applying. These cards are ideal for individuals who need immediate access to credit, whether for emergency expenses or to take advantage of a limited-time offer. The application process is typically straightforward, with an online form that requires basic personal and financial information. Once submitted, the decision is made almost instantaneously, allowing you to know if you are approved right away.

Quick Access: Instant decision on your application.
Convenience: Apply online from anywhere.
Ideal for Emergencies: Immediate access to credit when needed.
Variety of Options: Available for different credit scores.

Credit Cards for Poor Credit

Credit cards for poor credit are designed to help individuals with low credit scores rebuild their financial standing. These cards often come with higher interest rates and lower credit limits, but they provide an opportunity to demonstrate responsible credit usage. Many of these cards also report to major credit bureaus, which can positively impact your credit score over time if you manage the card well.

Rebuild Credit: Opportunity to improve credit score.
Accessible: Available to those with low credit scores.
Secured Options: Some cards require a deposit, which can be refundable.
Regular Reporting: Payments reported to credit bureaus for score improvement.

Credit Cards Without Credit Check

Credit cards without a credit check are an excellent option for individuals who have poor or no credit history and are looking to build or rebuild their credit. These cards typically come in the form of secured credit cards, which require a refundable security deposit that acts as your credit limit. Since no credit check is performed, your approval is primarily based on your ability to provide the necessary security deposit.

Accessibility: Easier to obtain compared to traditional credit cards, as they don’t require a credit check.
Credit Score Improvement: By making timely payments and keeping balances low, users can improve their credit scores.
Financial Control: The security deposit minimizes the risk for lenders, making it a safer option for both the issuer and the cardholder.