15 Instant Approval Credit Cards + Cards You Can Use Immediately

Applying for a credit card used to take up long hold times over the phone or even a trip to the bank. Today, you can get approved in a matter of minutes. Better yet, you can use your new card immediately. We have information on the various types of instant approval credit cards and things to keep in mind when applying, plus the list of cards to help you find the right one for you.

In This Article

Credit Card Terms to Know

While there are several instant approval credit cards to choose from, not all are created equal. Familiarize yourself with the following terms so you can tell the difference.

APR: Annual Percentage Rate (APR) is the interest rate you’ll pay if you do not pay off your balance in full each month. Beware: Instant approval credit cards are notorious for their 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. Credit scores between 580 and 619 are considered low. Fair scores range from 620 to 679. When you reach a score between 680 and 690, your credit is considered good. Excellent scores are in the 700 to 850 range.

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.

Pre-Screened Credit Cards: Pre-screened credit card offers are to sent to ideal applicants based on 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 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 can only be used at a specific store. For example, a Kohl’s credit card can only be used at Kohls.

Not all store cards are a 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.

The List of Instant Approval Credit Cards

Below is a list of options for instant approval credit cards for a variety of credit scores. The following list includes cards we could locate with the lowest possible APR and annual fee and the best incentives in each credit score range. Note that though incentives can be beneficial and these cards have lower APRs than some, 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 higher interest accrual. 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.

Capital One QuicksilverOne Cash Rewards Credit Card

  • Incentives: 1.5% cash back on every purchase
  • APR: 24.99%
  • Annual Fee: $39
  • Late Payment Fee: Up to $35
  • Credit Status Needed: Fair
  • Read more about this card on the QuicksilverOne Terms page
  • Apply

Credit One Bank Visa Credit Card

  • Incentives: Pre-qualifying feature and 1% cash back on all purchases
  • APR: 16.74% to 24.74%
  • Annual Fee: $0 to $99
  • Late Payment Fee: Up to $37
  • Credit Status Needed: Low
  • Read more about this card on the Credit One Terms page.
  • Apply

Discover It Cash Credit Card

  • Incentives: 5% cash back in rotating categories, 1% cash back on all other purchases and dollar for dollar match on cashback at the end of the year
  • APR: 0% for 14 months, then 11.74% to 23.74%
  • Annual Fee: None
  • Late Payment Fee: None the first time, then up to $37
  • Credit Status Needed: Good to Excellent
  • Read about this card on the Discover Terms page.
  • Apply (it comes with a $50 signup bonus if you use this link)

Related Article: The List of Stores That Acccept Discover Card (It’s Long)

Indigo Platinum Mastercard

  • Incentives: Pre-qualifying feature, which does not affect your credit score
  • APR: 23.9%
  • Annual Fee: $59 to $99
  • Late Payment Fee: Up to $38
  • Credit Status Needed: Low
  • Read more about this card on the Indigo Terms page.
  • Apply

The List of Instant Approval Prepaid Cards

Netspend Visa Prepaid Card

  • Incentives: The mobile app lets you check your account balance, see transaction information, and load checks to your card.
  • APR: No interest charges; this is not a credit card.
  • Annual Fee: None
  • Late Payment Fee: No late fees; this is not a credit card.
  • Credit Status Needed: No credit check needed.
  • Read more about this card on the Netspend Terms page.
  • Apply

Related Article: How to Activate Netspend Card Without SSN (Alternate ID Required)

ACE Elite Visa Prepaid Debit Card

  • Incentives: With direct deposit, make up to $300 in no-fee cash withdrawals per day at ACE locations.
  • APR: No interest charges; this is not a credit card.
  • Annual Fee: Varies; charged monthly rather than annually
  • Late Payment Fee: No late fees; this is not a credit card.
  • Credit Status Needed: No credit check needed.
  • Read more about this card on the ACE Elite Terms page.
  • Apply

The List of Instant Approval Credit Cards You Can Use Online Immediately

Open Loop Cards

For the following cards, you will also most likely be notified within 60 seconds on whether or not you have been approved. Better yet, you will also be able to start shopping online or in-store upon approval. Although some of the cards below are store cards, all are open loop and therefore can be used anywhere.

Amazon Rewards Visa Signature Card

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: $50 Amazon gift card upon approval, 3% cash back on Amazon purchases, 2% cash back on restaurants, gas stations, and drugstores, and 1% cash back on all other purchases
  • APR: 14.99% to 22.99%
  • Annual Fee: None
  • Late Payment Fee: Up to $37
  • Credit Status Needed: Fair to Good
  • Read more about this card on the Amazon Rewards Card Pricing and Terms page.
  • Sign in or create an account to apply.

Blispay

  • Instant Access Process: Your card information will be available on your Blispay account immediately upon approval.
  • Incentives: 2% cash back on all purchases and interest-free financing for six months on purchases over $199
  • APR: 19.99%
  • Annual Fee: None
  • Late Payment Fee: $35
  • Credit Status Needed: Good to Excellent
  • Read more about this card on the Blispay Card Agreement page.
  • Apply

Cabela’s Club Visa Card

  • Instant Access Process: For instant access to this card, you must apply in store. Upon approval, physical cards are presented at the customer service desk.
  • Incentives: 2% points back on Cabela’s purchases, 1% points back on other purchases, $20 in points upon approval, and $10 in points after five purchases
  • APR: 9.99% on Cabela’s purchases and 16.04% to 22.04% elsewhere
  • Annual Fee: None
  • Late Payment Fee: Up to $37
  • Credit Status Needed: Good to Excellent
  • Read more about this card on the Cabela’s Terms and Conditions page.
  • For instant access, apply for this card in store. Find a store near you using the store locator.

Costco Anywhere Visa

  • Instant Access Process: For instant access to this card, you must apply in-store. Upon approval, a temporary card number and barcode will be printed out at the customer service desk.
  • Incentives: 4% cash back on eligible gas up to $7,000 or for one year, 3% cash back on eligible restaurant and travel purchases, 2% cash back on Costco purchases and 1% cash back on all other purchases
  • APR: 16.24% to 29.99%
  • Annual Fee: None, although you will need a Costco membership, which is $55 per year.
  • Late Payment Fee: Up to $37
  • Credit Status Needed: Excellent
  • Read more about this card on the Costco Anywhere Card Agreement Guide page.
  • Find a store near you using the store locator.

Closed Loop Cards

The cards below are also instant approval, meaning you will most likely be notified within 60 seconds whether or not you have been approved. These particular cards can also be used immediately upon approval. The following cards are all closed loop store cards, meaning you can only use them in-store or on the store website.

Kohl’s

  • Instant Access Process: Upon approval, you will receive a temporary credit card number whether you apply in-store or online.
  • Incentives: 25% off your first day purchases, 15% off purchases when you receive your card in the mail, and 12 discount offers throughout the year
  • APR: 24.74%
  • Annual Fee: $0
  • Late Payment Fee: Up to $37
  • Credit Status Needed: Low
  • Read more about this card on the Kohl’s Terms and Conditions page.
  • Apply

Macy’s

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: 20% same day and next day purchases (up to $100), free shipping over $50
  • APR: 26.24%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Credit Status Needed: Fair
  • Read more about this card on the Macy’s Terms and Conditions page.
  • Apply

My Best Buy Credit Card

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: 5% cash back on Best Buy purchases or 12-month financing
  • APR: 26.24%
  • Annual Fee: $0 to $59
  • Late Payment Fee: Up to $37
  • Credit Status Needed: Low
  • Read more about this card on the My Best Buy Terms and Conditions page.
  • Sign in or create an account to apply.

Nordstrom

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: $20 for every $100 spent at Nordstrom and two points for every dollar spent at Nordstrom, Nordstrom Rack, HauteLook, and Trunk Club
  • APR: 11.65% to 23.65%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Credit Status Needed: Good to Excellent
  • Read more about this card on the Nordstrom CardAgreement page.
  • Apply

TJX Rewards Credit Card

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: 10% off your first in-store purchase, five points for each dollar spent at TJMaxx, Marshalls, HomeGoods, and Sierra Trading Post, and $10 for every 1,000 points earned
  • APR: 27.74%
  • Annual Fee: None
  • Late Payment Fee: Up to $35
  • Credit Status Needed: Fair
  • Read more about this card on the TJX Card Terms and Conditions page.
  • Apply

Haven’t found the store for you? We recommend the article: Instant Approval Department Store Credit Cards (Easiest Ones to Get)

In Summary

If you need credit quickly, one of these instant use cards may be right for you. A higher APR may be the price you pay to be approved for a credit card instantly; however, this drawback won’t affect you if you pay your card’s balance off in full each month. That said, we hope this list was helpful to all responsible cardholders with credit scores from low to excellent.

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