53 Instant Approval Credit Cards You Can Use Immediately

Some of the credit cards that offer instant approval are the BankAmericard, Indigo Platinum Mastercard, and Wells Fargo Cash Wise Visa Card.

If you’re looking for credit cards that offer instant approval and that you can also use immediately, you might want to check out consumer credit cards from American Express and USAA or store credit cards like the Amazon Store Card, My Best Buy Credit Card, and Capital One Walmart Rewards Card.

For more details on instant approval credit cards and the list of cards that offer instant credit card approval and use, see below.

Credit Card Terms to Know

While there are several instant approval credit cards to choose from, they vary in terms of APR, fees, credit requirements, and benefits.

Familiarize yourself with the following terms so you can find the card that best fits your needs.

• Annual percentage rate (APR): The APR is the interest rate you’ll pay if you do not pay off your credit card balance in full each month. Be aware that instant approval credit cards sometimes have high interest rates.
• Credit status: Be sure to check your credit score before applying for a credit card. Your credit score will determine your credit card approval, as well as your credit limit. Usually, credit scores between 300 and 579 are considered Poor; scores of 580 to 669 are Fair; scores of 670 to 739 are Good; scores of 740 to 799 are Very Good, and scores over 800 are Excellent.
• Instant approval credit cards: Instant approval does not mean guaranteed approval. Rather, with instant approval credit cards, a decision on your approval will usually be made within 60 seconds. In some cases, further information will be needed, extending the process by a few days or even weeks.
• Pre-approved credit cards: You have probably received a pre-approved credit card in the mail. The catch is, the term “pre-approved” really just implies you are pre-approved to apply. Depending on your credit score, you may or may not qualify for a pre-approved card. See our list of cards that preapprove for more information on cards of this type.
• Pre-screened credit cards: Pre-screened credit card offers are to sent to ideal applicants by mail based on positive credit history. If you have received a pre-screened credit card offer in the mail, it is very likely you will be approved for that card.
• Prepaid credit cards: A prepaid credit card is issued by a financial institution and is preloaded for use before making a purchase. Prepaid cards are accepted anywhere that credit cards are accepted.
• Open- or closed-loop card: Open-loop cards can be used anywhere. For example, a Visa card is an open-loop card. Closed-loop cards, such as a Kohl’s or Macy’s credit card, can only be used at a specific store. Not all store cards are closed-loop; those with a major credit card name on them as well as the store name can be used anywhere. We have a variety of closed-loop and open-loop store cards listed below.

Instant Approval Credit Cards

Instant approval credit cards provide a decision immediately after you submit your credit application.

Below is a list of options for instant approval credit cards for a variety of credit scores.

To gather information about these cards, we contacted the customer service departments of each card issuer and reviewed the account disclosures for each card.

For more instant approval options, see our list of store credit cards with instant approval.

Note that while instant approval is available for the cards listed below, it is not automatically available to every applicant; the credit card issuer must be able to verify your identity, and you must meet the card’s qualifications.

If your application requires further documentation, you may not receive an instant decision.

Additionally, though incentives like cash back can be beneficial, it’s a good idea to use your credit cards wisely. Budget for large purchases and try to pay off your balance in full each month, if you’re able, to avoid interest.

Be aware, as well, that late or missed payments can incur fees (which we’ve listed below) and may have a negative impact on your credit score.

BankAmericard

• Instant approval policy: Instant decisions for qualifying applicants; doesn’t offer an instant card number for immediate use^[1]
• Card benefits:
  • Access to your FICO score
  • Account alerts
  • Credit education
  • Fraud protection
  • Online and mobile account management^[2]
• Credit requirement: Good^[1]
• Application requirements:
  • Must be at least 18 (21 in Puerto Rico)
  • Must live in the U.S., District of Columbia, American Samoa, Guam, Northern Mariana Islands, Puerto Rico, or the U.S. Virgin Islands
  • Must provide your name and address, contact information, Social Security number, and employment information^[2]
• Terms and fees:
  • No annual fee^[2]
  • Late payment fees up to $40^[3]
• Apply

Bank of America Cash Rewards Card

• Instant approval policy: Instant decisions for qualifying applicants; doesn’t offer an instant card number for immediate use^[1]
• Card benefits:
  • 1% to 3% cash back on purchases
  • Cash reward bonuses
  • Fraud protection
  • Travel benefits and purchase protection^[4]
• Credit requirement: Excellent^[1]
• Application requirements:
  • Must be at least 18 (21 in Puerto Rico)
  • Must live in a U.S. state or territory
  • Must provide your contact information, Social Security number, and income information^[4]
• Terms and fees:
  • No annual fee^[5]
  • Late payment fees up to $40^[6]
• Apply

Bank of America Premium Rewards Card

• Instant approval policy: Instant approval is available; doesn’t offer an instant card number for immediate use^[1]
• Card benefits:
  • Account alerts
  • Auto, purchase, and travel protections
  • Earn points (with no expiration or blackout dates) on dining, travel, and other purchases
  • Fraud protection
  • Online and mobile account management^[7]
• Credit requirement: Good^[1]
• Application requirements:
  • Must be at least 18 (21 in Puerto Rico)
  • Must live in the U.S. or one of its territories
  • Must provide your income information, Social Security number, and contact information^[1]
• Terms and fees:
  • $95 annual fee^[8]
  • Late payment fees up to $40^[8]
• Apply

Bank of America Travel Rewards Card

• Instant approval policy: Instant decisions for qualifying applicants; doesn’t offer an instant card number for immediate use^[1]
• Card benefits:
  • Fraud protection
  • No foreign transaction fees
  • Online and mobile account management
  • Unlimited 1.5 points for every dollar spent, plus bonus point offers^[9]
• Credit requirement: Very good^[1]
• Application requirements:
  • Must be at least 18
  • Must be a resident of a U.S. state or U.S. territory
  • Must provide your Social Security number, income information, and contact information^[1]
• Terms and fees:
  • No annual fee^[10]
  • Late payment fees up to $39^[10]
• Apply

Capital One QuicksilverOne Credit Card

• Instant approval policy: Offers instant approval for qualifying applicants^[11]
• Card benefits:
  • 1.5% cash back on every purchase^[12]
• Credit requirement: Fair^[11]
• Application requirements:
  • Must be 18 or older
  • Must have a Social Security number or Individual Taxpayer Identification Number
  • Must live in one of the 50 U.S. states, Washington, D.C., or a U.S. military location
  • Must provide your contact information, citizenship and residence information, employment status, income, monthly rent or mortgage, and banking information^[11]
• Terms and fees:
  • $39 annual fee^[13]
  • Late payment fees up to $40^[13]
• Apply

Credit One Bank Visa Credit Card

• Instant approval policy: First, you’ll need to see if you pre-qualify for a Credit One card. After prequalification, you can review your offer, submit a complete application, and get a credit decision.^[14][15]
• Card benefits:
  • 1% cash back on all purchases^[16]
• Credit requirement: Fair^[17]
• Application requirements:
  • Must be 18 or older
  • Must provide your personal information, residence information, Social Security number, and total monthly income^[14]
• Terms and fees:
  • Annual fee of $39^[16]
  • Late payment fees up to $39^[18]
• Apply

Discover it Cash Back Credit Card

• Instant approval policy: Instant decisions available for qualifying applicants, and you can use the card immediately in your digital wallet^[19]
• Card benefits:
  • 5% cash back in categories that rotate each quarter
  • 1% cash back on all other purchases
  • Dollar-for-dollar cash back match at the end of your first year^[19]
• Credit requirement: Good^[20]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your contact information, Social Security number, employment information, housing information, and bank account information^[19]
• Terms and fees:
  • No annual fee^[19]
  • Late fees up to $41; waived the first time you make a late payment^[21]
• Apply

If you choose to apply for a Discover card, you might want to see our list of stores that accept Discover.

Holland America Line Rewards Visa

• Instant approval policy: Offers an instant response when you apply online^[22]
• Card benefits:
  • Concierge service
  • Discounts on Holland America cruises when you book with your Holland America Line Rewards Visa
  • Earn points on all purchases at stores that accept Visa and double points on Holland America purchases
  • No foreign transaction fees^[22]
• Credit requirement: Good^[23]
• Application requirements:
  • Must be at least 18
  • Must be a resident of the U.S., excluding U.S. territories
  • Must provide your full name, email address, employment information, contact information, date of birth, mother’s maiden name, and Social Security number^[22]
• Terms and fees:
  • No annual fee^[24]
  • Late fees of up to $40^[24]
• Apply

Indigo Platinum Mastercard

• Instant approval policy: Offers an instant response when you apply online; your card will arrive within two weeks of approval^[25]
• Card benefits:
  • Mastercard benefits, including identity theft protection and airport concierge service
  • Reports to TransUnion, Experian, and Equifax to help you build your credit
  • 24/7 online and mobile account management^[25][26]
• Credit requirement: No set minimum; the Indigo Platinum Mastercard is intended for those who are establishing or rebuilding their credit^[25]
• Application requirements:
  • Must be at least 18 years (19 in Alabama)
  • Must not have a current Indigo Platinum account or have submitted a pre-qualification form in the past 60 days^[25]
• Terms and fees:
  • Annual fee of $75 for the first year and $99 thereafter^[25]
  • Late payment fees up to $40^[25]
• Apply

Milestone Gold Mastercard

• Instant approval policy: Offers an instant decision, but not an instant card number for immediate use; your card will arrive within 14 days of approval^[27]
• Card benefits:
  • Identity theft protection
  • Reports to TransUnion, Experian, and Equifax to help you build your credit
  • 24/7 online account management
  • Zero Liability protection for unauthorized transactions^[27][28]
• Credit requirement: Accepts applicants with limited credit, bad credit, or no credit history^[27]
• Application requirements:
  • Must be at least 18 (19 in Alabama)
  • Must not have an existing Milestone Mastercard account
  • Must not have submitted a pre-qualification request in the past two months^[27]
• Terms and fees:
  • Annual fee varies depending on your pre-qualification decision^[29]
  • Late fees up to $40^[29]
• Apply

Surge Mastercard

• Instant approval policy: Immediate decision when you apply online^[30]
• Card benefits:
  • Reports to the three major credit bureaus monthly to help you build your credit
  • 24/7 online account management
  • Use at any store or business that accepts Mastercard^[30]
• Credit requirement: Accepts applicants with bad credit or a limited credit history^[30]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident^[30]
• Terms and fees: 
  • Annual fee of $69^[30]
  • One-time card fee of $30^[30]
  • Late fees up to $41^[30]
• Apply

Wells Fargo Active Cash Card

• Instant approval policy: Qualifying applicants will receive an instant decision when they apply online^[31]
• Card benefits:
  • $200 bonus if you spend $1,000 in the first three months
  • 2% cash rewards on purchases^[31]
• Credit requirement: Available to applicants with limited credit histories^[31]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent resident of the U.S.
  • Must have an existing Wells Fargo account
  • Must provide your name, contact information, date of birth, citizenship status, financial information, and Social Security number or Individual Taxpayer Identification Number^[31]
• Terms and fees:
  • No annual fee^[31]
  • Late fees up to $40^[32]
• Apply

Instant Approval Cards for Immediate Use

For the following cards, you’ll most likely be notified within 60 seconds of whether or not you’ve been approved. Additionally, you’ll be able to start shopping online or in-store immediately upon approval.

Note that to receive both instant approval and instant use of the card, you must meet all of the creditor’s qualifications, and the company must be able to verify your identity instantly.

Applicants who require additional documentation for verification may not be able to use these cards immediately.

Additionally, be aware that while you may be able to use your credit immediately, you should still use it wisely. Keeping your credit utilization low will help you maintain your credit score.

Open Loop Cards

Amazon Rewards Visa Signature Card

• Instant approval policy: If your application qualifies for instant approval, you will receive your Cardmember Agreement and account disclosures immediately and will be able to start using your card. Some applications may take two to four weeks to process.^[33]
• Card benefits:
  • 1% to 3% rewards on purchases at Amazon, Whole Foods Market, restaurants, gas stations, drugstores, and other purchases
  • No foreign transaction fees
  • Travel and emergency assistance including lost luggage reimbursement
  • Visa Signature Concierge Service^[33]
• Credit requirement: Fair^[33]
• Application requirements:
  • Must be at least 18 (19 in Alabama and Nebraska)
  • Must be a U.S. resident
  • Must provide your Social Security number or Individual Taxpayer Identification Number
  • Must have an Amazon.com account^[33]
• Terms and fees:
  • No annual fee^[34]
  • Late fees up to $39^[34]
• Apply

American Express Gold Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Rewards on dining, groceries, and flights
  • Entertainment perks like ticket presales and cardmember-only events
  • No foreign transaction fees^[36]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • Annual fee of $250^[37]
  • Late fees up to $40^[37]
• Apply

American Express Blue Cash Everyday Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • 1% to 3% cash back on gas, groceries, and other purchases
  • Event ticket presales and members-only events
  • Travel hotline for access to global medical, legal, and financial assistance^[38]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18 years
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • No annual fee^[39]
  • Late fees up to $40^[39]
• Apply

American Express Blue Cash Preferred Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • 1% to 6% cash back on gas, groceries, subscription services, and other purchases
  • Global medical, legal, and financial assistance while traveling
  • Ticket presales and cardmember-only events^[40]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • $95 annual fee^[41]
  • Late fees up to $40^[41]
• Apply

American Express Cash Magnet Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • 1.5% unlimited cash back on purchases
  • Global concierge and travel accident insurance
  • Ticket presales and cardmember-only events^[42]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • No annual fee^[43]
  • Late fees up to $40^[43]
• Apply

Amex EveryDay Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Earn points on all eligible purchases and double points on groceries
  • Use your points toward charges on your credit card, Ticketmaster event tickets, or American Express Travel bookings
  • Transfer points to frequent traveler programs
  • Global concierge and travel accident insurance^[44]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • No annual fee^[45]
  • Late fees up to $40^[45]
• Apply

Amex EveryDay Preferred Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Earn points with each eligible purchase, plus double points on gas and triple points on groceries
  • Use points for credit card charges, American Express Travel bookings, frequent traveler programs, or Ticketmaster purchases^[46]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • $95 annual fee^[47]
  • Late fees up to $40^[47]
• Apply

Blue Delta SkyMiles Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Earn one mile on most purchases or two miles on Delta and U.S. restaurant purchases
  • In-flight savings on food, drinks, and headphones
  • Access to a global medical, legal, and financial assistance hotline while traveling
  • Exclusive ticket presales and cardmember-only events^[48]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • No annual fee^[49]
  • Late fees up to $40^[49]
• Apply

Cabela’s CLUB Card

• Instant approval policy: You can shop instantly when you apply and are approved for a Cabela’s Club Card at a Cabela’s store customer service desk.^[50]
• Card benefits:
  • 2% points back on Bass Pro Shops and Cabela’s purchases
  • 1% points back on purchases at other stores
  • $50 club points bonus^[50]
• Credit requirement: Good^[50]
• Application requirements:
  • Must provide your Social Security number, citizenship and residence information, employment status, bank account information, and monthly rent/mortgage when applying^[50]
• Terms and fees:
  • No annual fee^[50]
  • Late fees up to $40^[51]
• Apply

Capital One Walmart Rewards Card

• Instant approval policy: Upon approval, you can use your card for online purchases or add it to Walmart Pay in the Walmart app for in-store purchases.^[52]
• Card benefits:
  • Up to 5% back in Walmart stores if you use your Capital One Walmart Rewards Card with Walmart Pay
  • Fraud protection, security alerts, and card lock
  • Mobile account access through the Capital One app^[52]
• Credit requirement: Good^[52]
• Application requirements:
  • Must be at least 18
  • Must have a valid Social Security number or Individual Taxpayer Identification Number
  • Must live in the U.S., District of Columbia, Puerto Rico, or a U.S. military location
  • Must have a monthly income that exceeds your rent or mortgage payment by at least $425
  • Must have a Walmart.com account^[52]
• Terms and fees:
  • No annual fee^[53]
  • Late fees up to $39^[53]
• Apply

USAA Cashback Rewards Plus American Express Card

• Instant approval policy: Offers instant approval and digital wallet integration^[54]
• Card benefits:
  • 1% to 5% cash back on purchases
  • Fraud protection
  • No foreign transaction fees^[54]
• Credit requirement: Good^[55]
• Application requirements:
  • Must be a USAA member
  • Must be at least 18
  • Must be a U.S. citizen or permanent resident of the U.S.^[55]
• Terms and fees:
  • No annual fee^[56]
  • Late fees up to $35^[56]
• Apply

Costco Anywhere Visa Card by Citi

• Instant approval policy: Costco will issue a temporary card, which you can use in-store immediately if you qualify for instant approval.^[57]
• Card benefits:
  • 1% to 4% rewards on purchases at Costco, Costco.com, gas stations, restaurants, and other stores
  • Extended warranty coverage on purchases which include a manufacturer’s warranty
  • No foreign transaction fees^[57]
• Credit requirement: Good^[57]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must be a Costco member
  • Must provide income information and submit to a credit check^[57]
• Terms and fees:
  • No annual fee; however, it requires a Costco membership ($60 per year)^[57]
  • Penalty APR up to about 30%^[57]
• Apply

Gold Delta SkyMiles Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Earn one mile per dollar on everyday purchases and two miles per dollar spent on Delta purchases
  • Check your first bag free on a round-trip Delta flight
  • No foreign transaction fees
  • Exclusive event presales and cardmember-only events^[58]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • $0 introductory annual fee for the first year, then $95 is due annually^[59]
  • Late fees up to $40^[59]
• Apply

Hilton Honors American Express Aspire Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Concierge service
  • Exclusive ticket presales and cardmember events
  • Hotel and airline credits
  • Rewards points on all eligible purchases including dining, car rental, and flights; bonus points when you stay at a participating Hilton hotel or resort^[60]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • $450 annual fee^[61]
  • Late fees up to $40^[61]
• Apply

Hilton Honors American Express Surpass Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Earn points on most purchases, with six times bonus points on dining, groceries, and gas and 12 times bonus points on Hilton hotel and resort bookings
  • Event presales and exclusive cardmember-only events
  • Global travel assistance and accident insurance
  • No foreign transaction fees^[62]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • $95 annual fee (waived the first year)^[63]
  • Late fees up to $40^[63]
• Apply

Hilton Honors Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Exclusive events and ticket presales
  • Points on dining, groceries, gas, and other everyday purchases, with seven times bonus points on Hilton hotel and resort bookings
  • No foreign transaction fees^[64]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18 years
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • No annual fee^[65]
  • Late fees up to $40^[65]
• Apply

L.L.Bean Mastercard

• Instant approval policy: If your application is eligible for instant approval, you can use your card immediately and receive 15% off of your first purchase on L.L.Bean’s website.^[66]
• Card benefits:
  • Earn 1% to 4% in Bean Bucks on eligible purchases at L.L.Bean, gas stations, restaurants, and other retailers
  • Free shipping on L.L.Bean orders paid with the L.L.Bean Mastercard^[67]
• Credit requirement: Good^[66]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must have an LLBean.com account^[66]
• Terms and fees:
  • No annual fee^[67]
  • Late fees up to $40^[68]
• Apply

Marriott Bonvoy Brilliant American Express Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Earn points on everyday purchases, plus three times points on restaurants and flights and six times points on Marriott Bonvoy hotel purchases
  • Earn a free night at a participating Marriott Bonvoy hotel for your card account anniversary
  • Exclusive events and ticket presales
  • Global travel assistance, travel accident insurance, and baggage insurance^[69]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • $650 annual fee^[70]
  • Late fees up to $40^[70]
• Apply

My Best Buy Visa Card

• Instant approval policy: Applicants who are eligible for instant approval can use their card at a Best Buy store or BestBuy.com right away^[71]
• Card benefits:
  • 5% back on purchases or flexible financing for purchases at Best Buy
  • 1% to 3% back on purchases at other stores^[72]
• Credit requirement: Good^[71]
• Application requirements:
  • Must be at least 18 (21 in Puerto Rico)
  • Must be a resident of a U.S. state or territory
  • Must have a BestBuy.com or Google account^[71]
• Terms and fees:
  • No annual fee^[73]
  • Late fees up to $41^[73]
• Apply

The Platinum Card by American Express

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[35]
• Card benefits:
  • Airline fee credits and TSA prechecks
  • One reward point per dollar spent on eligible purchases; five times rewards points on flights and AmexTravel.com prepaid hotel bookings
  • Concierge services, invitation-only events, and preferred event seating^[74]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, address, birth date, phone number, email address, Social Security number, and income information^[35]
• Terms and fees:
  • Annual fee of $695^[74]
  • Late fees up to $40^[75]
• Apply

Platinum Delta SkyMiles Card

• Instant approval policy: Instant approval and instant card number for qualifying applicants^[76]
• Card benefits:
  • Earn one mile per dollar you spend on gas, groceries, dining, and other everyday purchases and two miles per dollar on Delta purchases
  • Check your first bag for free on a round-trip Delta flight
  • Priority boarding
  • Global assistance hotline
  • No foreign transaction fees
  • Exclusive ticket pre-sales and cardmember-only events^[76]
• Credit requirement: Good^[35]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your full name, home address, date of birth, phone number, email address, Social Security number, and income information^[76]
• Terms and fees:
  • $250 annual fee^[76]
  • Late fees up to $40^[77]
• Apply

Preferred Cash Rewards Visa Signature

• Instant approval policy: Offers instant approval and digital wallet integration^[78]
• Card benefits:
  • 1.5% cash back on purchases
  • Fraud and unauthorized purchase protection
  • No foreign transaction fees^[78]
• Credit requirement: Good^[55]
• Application requirements:
  • Must be a USAA member
  • Must be at least 18
  • Must be a U.S. citizen or permanent resident^[55]
• Terms and fees:
  • No annual fee^[79]
  • Late fees up to $35^[79]
• Apply

Sephora Visa Credit Card

• Instant approval policy: Applicants who qualify for instant approval can use the card immediately after approval^[80]
• Card benefits:
  • 25% off your first purchase with your new card at Sephora
  • 4% rewards on Sephora purchases and 1% rewards on purchases at other stores
  • Emergency card replacement and zero-liability fraud protection^[80]
• Credit requirement: Good^[81]
• Application requirements:
  • Must meet the age of majority in your state or territory
  • Must be a U.S. resident
  • If you apply in-store, you must present a photo ID
  • In-store and online applications require a Social Security number or Individual Taxpayer Identification Number^[80]
• Terms and fees:
  • No annual fee^[82]
  • Late fees up to $41^[82]
• Apply

Target REDcard

• Instant approval policy: You can use your card at Target right away if you qualify for instant approval; instant approval is more likely to occur when you apply in-store.^[83]
• Card benefits:
  • Save 5% on Target and Target.com purchases
  • Exclusive offers and coupons on your REDcard anniversary
  • Free shipping on most Target.com purchases
  • Additional 30 days for returns^[84]
• Credit requirement: Fair^[83]
• Application requirements:
  • Must meet the legal borrowing age in your state
  • Must be a U.S. resident
  • Must verify your identity and income^[83]
• Terms and fees:
  • No annual fee^[85]
  • Late fees up to $41^[85]
• Apply

Ultamate Rewards Mastercard

• Instant approval policy: In-store and online applicants can use their account immediately after approval at an Ulta store — but not for online purchases.^[86]
• Card benefits:
  • 20% off your first purchase using the card at Ulta
  • Earn two points for every dollar spent at Ulta
  • Earn one point for every $3 spent at stores other than Ulta
  • Earn bonus points if you spend $500 outside of Ulta in your first 90 days as a cardmember^[86]
• Credit requirement: Good^[87]
• Application requirements:
  • Must meet the age of majority in your state or territory
  • Must be a resident of a U.S. state or territory
  • Must have an Ulta.com account to apply online^[86]
• Terms and fees:
  • No annual fee^[88]
  • Late fees up to $41^[88]
• Apply

USAA Rate Advantage Visa Platinum Card

• Instant approval policy: Allows instant approval for qualified applicants; add the card to your digital wallet to use it before the physical card arrives^[89]
• Card benefits:
  • Low interest rates
  • Fraud and unauthorized purchase protections
  • No foreign transaction fees^[89]
• Credit requirement: Good^[55]
• Application requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent resident
  • Must be a USAA member^[55]
• Terms and fees:
  • No annual fee^[90]
  • Late fees up to $35^[90]
• Apply

USAA Rewards American Express Card

• Instant approval policy: Offers instant approval and digital wallet integration^[91]
• Card benefits:
  • Fraud protection
  • No foreign transaction fees
  • One to three times points on all purchases; highest points on dining out
  • Online and mobile account management
  • Unlimited points^[91]
• Credit requirement: Good^[55]
• Application requirements:
  • Must be a USAA member
  • Must be at least 18
  • Must be a U.S. citizen or permanent resident^[55]
• Terms and fees:
  • No annual fee^[92]
  • Late fees up to $35^[92]
• Apply

USAA Rewards Visa Signature Card

• Instant approval policy: Instant approval for qualified members; allows instant spending if you add your new card to your digital wallet^[93]
• Card benefits:
  • Unlimited rewards points on dining, gas, and other purchases
  • Fraud and liability protection
  • No foreign transaction fees^[93]
• Credit requirement: Good^[55]
• Application requirements:
  • Must be a USAA member
  • Must be at least 18
  • Must be a U.S. citizen or permanent resident^[55]
• Terms and fees:
  • No annual fee^[94]
  • Late fees up to $35^[94]
• Apply

Closed Loop Cards

Amazon Store Card

• Instant approval policy: You will receive an instant decision when you apply for the Amazon Store Card online and can use it immediately upon approval.^[95]
• Card benefits:
  • 5% back on Amazon purchases for Prime members
  • 0% APR financing
  • Fraud protection^[95]
• Credit requirement: Fair^[96]
• Application requirements:
  • Must be at least 18 (19 in Alabama or Nebraska)
  • Must be a U.S. resident
  • Must have a Social Security number or Individual Taxpayer Identification Number
  • Must have an Amazon.com account^[95]
• Terms and fees:
  • No annual fee^[97]
  • Late fees up to $40^[97]
• Apply

Kohl’s Charge

• Instant approval policy: Approval typically processes within 60 seconds. Upon approval, you will receive a temporary credit card number, whether you apply in-store or online.^[98]
• Card benefits:
  • 35% off your first Kohl’s Charge purchase
  • 50% more rewards (totaling 7.5%) for Kohl’s Rewards members
  • Access to additional savings throughout the year, including an anniversary offer
  • Free shipping^[98]
• Credit requirement: Fair^[99]
• Application requirements:
  • Must be at least 18 years old (19 in Alabama and Nebraska)
  • Must provide your name, address, phone number, Social Security number, birth date, and annual income when applying^[98]
• Terms and fees:
  • No annual fee^[100]
  • Late fees up to $40^[100]
• Apply

Macy’s Credit Card

• Instant approval policy: Upon approval, you can access your card online by signing into your account.^[101]
• Card benefits:
  • 20% off up to $100 in purchases on the day you apply and the day after
  • 25% off any day with Star Passes
  • Free shipping with no minimum for members who spend over $500 annually
  • Up to 5% back in rewards^[101]
• Credit requirement: Fair^[102]
• Application requirements:
  • Must be at least 18 years old (21 in Puerto Rico)
  • Must provide your email address, phone number, valid residential address, and other personal information^[101]
• Terms and fees:
  • No annual fee^[101]
  • Late fees up to $41^[101]
• Apply

My Best Buy Credit Card

• Instant approval policy: Use your card immediately at a Best Buy store or on BestBuy.com if you qualify for instant approval^[72]
• Card benefits:
  • 5% back in rewards when you shop at Best Buy or flexible financing for Best Buy purchases^[72]
• Credit requirement: Fair^[71]
• Application requirements:
  • Must be at least 18 (21 in Puerto Rico)
  • Must be a resident of the U.S. or one of its territories
  • Must have a BestBuy.com or Google account^[72]
• Terms and fees:
  • No annual fee^[73]
  • Late fees up to $41^[73]
• Apply

Nordstrom

• Instant approval policy: Upon approval, you can access your card online or in the Nordstrom app by signing into your account.^[103]
• Card benefits:
  • Insider status in The Nordy Club
  • One to three points per dollar spent in stores or online
  • Get a $40 Bonus Note if you make a purchase at Nordstrom, Nordstrom.com, or Nordstrom Rack on the day of approval^[103]
• Credit requirement: Good^[104]
• Application requirements:
  • Must be a Nordy Club member
  • Must provide your contact information, residence information, and financial information on the application^[103]
• Terms and fees:
  • No annual fee^[103]
  • Late fees up to $40^[103]
• Apply

Pottery Barn Credit Card

• Instant approval policy: If you qualify for instant approval, you can use your card immediately to make a purchase on PotteryBarn.com^[105]
• Card benefits:
  • Earn 5% back in rewards on purchases
  • Earn a special reward on your birthday
  • Free standard shipping^[105]
• Credit requirement: Good^[106]
• Application requirements:
  • Must be at or above the age of majority in your state/territory
  • Must have a government-issued ID and Social Security or Individual Tax Identification Number
  • Must have a street, rural route, or APO/FPO mailing address^[106]
• Terms and fees:
  • No annual fee^[107]
  • Late fees up to $40^[107]
• Apply

Sephora Credit Card

• Instant approval policy: Applicants who qualify for instant approval can use the card immediately after approval^[108]
• Card benefits:
  • 25% off your first purchase using your card at Sephora
  • 4% rewards on Sephora purchases^[80]
• Credit requirement: Fair^[81]
• Application requirements:
  • Must meet the legal age requirements for credit in your state
  • Must be a U.S. resident with a valid street, rural route, or APO/FPO address
  • Must provide a Social Security number or Individual Taxpayer Identification Number
  • Must show a photo ID if applying in-store^[108]
• Terms and fees:
  • No annual fee^[82]
  • Late fees up to $41^[82]
• Apply

TJX Rewards Credit Card

• Instant approval policy: Upon approval, you can access your card online by signing into your account.^[109]
• Card benefits:
  • 10% off your first online or in-store purchase
  • 5% back (five points for every dollar spent) in rewards when you shop at T.J.Maxx, Marshalls, Home Goods, and Sierra Trading Post^[109]
• Credit requirement: Fair^[110]
• Application requirements:
  • Must provide your name, birth date, residence information, contact information, Social Security number or Individual Taxpayer Identification Number, and annual income^[109]
• Terms and fees:
  • No annual fee^[111]
  • Late payment fees up to $38^[111]
• Apply

Ultamate Rewards Credit Card

• Instant approval policy: In-store applicants can use the card immediately and receive a first-time purchase discount. Online applicants will need to wait until their physical card arrives in the mail to make online purchases but can immediately make purchases in-store by looking up their credit card account.^[86]
• Card benefits:
  • 20% off your first purchase using the card at Ulta
  • Earn two points for every dollar you spend at Ulta^[86]
• Credit requirement: Fair^[87]
• Application requirements:
  • Must meet the legal borrowing age in your state or territory
  • Must be a U.S. resident
  • Must have an Ulta.com account to apply online; you can also create an account during the application process^[87]
• Terms and fees:
  • No annual fee^[88]
  • Late fees up to $41^[88]
• Apply

Wayfair Credit Card

• Instant approval policy: After online approval, Wayfair will add your credit card to your Wayfair account, and you can use it the same day. You will then receive a letter in the mail with your account information.^[112]
• Card benefits:
  • Free shipping for most Wayfair orders
  • Special financing or 5% back in rewards on Wayfair purchases^[113]
• Credit requirement: Fair^[112]
• Application requirements:
  • Must meet the legal age requirement for credit in your state
  • Must have a U.S. street, rural route, or APO/FPO address
  • Must provide your Social Security number or Individual Tax Identification Number
  • Must have a Wayfair account to apply^[112]
• Terms and fees:
  • No annual fee^[113]
• Apply

Williams Sonoma Credit Card

• Instant approval policy: If you qualify for instant approval, you can use your Williams Sonoma credit card at Williams Sonoma the same day and receive 20% off of your purchase.^[114]
• Card benefits:
  • 10% back for your first 30 days of purchases
  • 5% back in rewards for every dollar you spend at Williams Sonoma
  • Free shipping on Williams-Sonoma.com purchases
  • Gift certificate during your birthday month^[114]
• Credit requirement: Good^[115]
• Application requirements:
  • Must meet the age of majority in your state or territory
  • Must live in a U.S. state or territory^[114]
• Terms and fees:
  • No annual fee^[116]
  • Late fees up to $40^[116]
• Apply

Instant Approval Prepaid Cards

The following prepaid cards offer instant approval.

These can be a good alternative to credit cards if you have a minimal credit history or low credit score.

Netspend Visa Prepaid Card

• Instant approval policy: Netspend offers instant approval, but it’ll take seven to 10 days for your card to arrive in the mail.^[117]
• Card benefits:
  • Early direct deposit
  • Access to your account balance, transaction information, and check loads in the mobile app^[118]
• Credit requirement: None; doesn’t require a credit check^[118]
• Application requirements:
  • Must provide your first and last name, address, email address, and direct deposit information when you sign up^[118]
• Terms and fees:
  • No interest, annual fee, or late fees^[119]
• Apply

ACE Elite Visa Prepaid Debit Card

• Instant approval policy: You’ll receive an immediate decision, but your card will arrive by mail in seven to 10 business days.^[120]
• Card benefits:
  • Early direct deposits
  • Up to $100 in no-fee cash withdrawals per day at ACE locations after you enroll in direct deposit^[121]
• Credit requirement: None; doesn’t require a credit check^[120]
• Application requirements:
  • Must provide your first and last name, email address, card design preference, and government ID number^[121]
• Terms and fees:
  • No interest charges, annual fees, or late fees^[120]
• Apply