Chase and Amex let me use Apple Pay immediately.. Answer from Alone-Experience9869 on reddit.com
Capital One
capitalone.com › learn & grow › money management › instant no-deposit credit card
No-deposit credit cards with instant approval and use
Credit card issuers that advertise no credit checks could ask for other information to evaluate applications. Instead of reviewing creditworthiness, the issuer may check employment history or ask for proof of income. These types of cards might also require security deposits. There’s no way to guarantee that you’ll receive instant approval for a credit card.
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › no-credit.html
Credit Cards for No Credit - Mastercard
If approved, get your Card Number instantly so you can start shopping today! See Terms. Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms. Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work. No security deposit, just instant purchasing power.
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Reddit
reddit.com › r/creditcards › which cards allow you to spend instantly once approved without requiring the physical card?
r/CreditCards on Reddit: Which cards allow you to spend instantly once approved without requiring the physical card?
July 26, 2025 -
$0 annual fee & Sign-on bonus cards only
LendUp
lendup.com › home › cards › no credit check credit cards instant approval no deposit
Top No Credit Check Credit Cards: Instant Approval, No Deposit Required
December 19, 2023 - It does not require a security deposit, which can be a significant advantage for those who are financially constrained. However, like most no credit check unsecured credit cards, it may carry higher interest rates and annual fees. The application process for the Indigo® Unsecured Mastercard® is ...
BadCredit.org
badcredit.org › home › guides
Guaranteed Approval Credit Cards with No Deposit in 2025 - BadCredit.org
3 weeks ago - They can do so because they perform an instant, hard credit inquiry to check your suitability. Usually, the only reasons for delay are conflicting data or an inability to verify your identity. You may have to provide additional information and documents to win final approval. Select secured cards: More than one secured credit card, including the opensky® Secured Visa® Credit Card, guarantees no credit check when you apply.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › credit cards › instant approval credit cards may not offer what you seek
Instant Approval Credit Cards vs. Instant Use vs. Guaranteed Approval - NerdWallet
These deposits can also be made in installments. You could gain access to a higher credit limit with no additional deposit if you pay on time for as little as six months. Approval standards are tighter for this card than for some others.
Published August 19, 2025
Reddit
reddit.com › r/creditcards › hey. i need a credit card, that allows you instant access to it, like a virtual card. i’d like to be able to use it instantly, i have to pay $100 more, to get my security license
r/CreditCards on Reddit: Hey. I need a credit card, that allows you instant access to it, like a virtual card. I’d like to be able to use it instantly, I have to pay $100 more, to get my security license
November 29, 2023 -
Which card can I get, that’ll allow me instant access
Arrofinance
arrofinance.com
Arro | Build Credit the Smart Way. No Deposit, No Credit Check
My credit just went up 41 points the other day with this card. ... The instant approval with NO hard credit check and NO deposit was a game changer.
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The best credit card for bad credit with no deposit and instant approval is the OneMain Financial BrightWay Card. It comes with a credit line of at least $300 and offers 1% cash back on all purchases. You can also apply online, after checking to see if you're pre-approved. However, the OneMain Financial BrightWay Card is not available in all states.
Keep in mind that while there is a possibility of instant approval with most cards you can apply for online, it's never guaranteed. Instant approval tends to happen when your credit and income are better than the card's requirements. Sometimes, issuers may take longer to review a credit card application. There are a few other credit cards for bad credit with no deposit (known as unsecured cards) with instant approval, that are worth considering.
Best Credit Cards for Bad Credit with No Deposit and Instant Approval
Perpay Credit Card Minimum Credit Limit: $500 Ongoing Rewards: 2% Cash back on every payment Annual Fee: $0 Credit Score: Bad Rates & Fees OneMain Financial BrightWay Card Minimum Credit Limit: $300 Ongoing Rewards: 1% cash back on all purchases Annual Fee: $0 - $89 Credit Score: Bad Atlas Credit Card Minimum Credit Limit: N/A Ongoing Rewards: 5% cash back on subscriptions (such as Netflix and Hulu), and 3% cash back on gas, food delivery, coffee shops and more Annual Fee: $0 Credit Score: Bad First Digital Mastercard Minimum Credit Limit: $300 Ongoing Rewards: 1% cash back on all purchases, after paying the card’s bill Annual Fee: $75 1st yr, $48 after Credit Score: Bad
Keep in mind that unsecured credit cards for bad credit tend to be more costly and less rewarding than their secured counterparts. Make sure you keep your account in good standing by paying your balance on time and preferably in full, every month. This will allow you to improve your credit score and gain access to some of the best unsecured credit cards over time.
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See if you prequalify with Capital One or Discover. If you don’t, consider Credit One/OneMain.
Prosper
prosper.com › home › prosper credit card | built to help you take control
Prosper Credit Card | Built to Help You Take Control
September 30, 2025 - We welcome applicants with less-than-perfect credit. Plus, checking to see whether you qualify for a Prosper® Card won’t affect your credit score. So really, you’ve got nothing to lose. No security deposit required.
CreditCards.com
creditcards.com › instant-approval
Instant Approval Credit Cards | CreditCards.com
December 10, 2019 - If you have a less than ideal credit history – or no credit history at all – the opensky Secured Visa is a secured credit card that offers a great opportunity for building your credit.
Reddit
reddit.com › r/povertyfinance › what’s the easiest credit card to get approved for?
r/povertyfinance on Reddit: What’s the easiest credit card to get approved for?
September 24, 2025 -
I know a lot of people will say credit cards are the problem, not the answer, but I’m really struggling and need a way to cover some emergency expenses and repair my credit score. I’d appreciate some suggestions from people who’ve dealt with similar issues.
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Capital One let's some really bad scores through. Potentially you may need to get a secured card until your credit improves.
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The easiest ones are the most limited ones that nobody should waste time with. Crap like Fingerhut/Stoneberry/MontgomeryWard/etc that only are good to purchase overpriced items directly from those specific websites. Then next you have the subprime cards. Expect high annual fees, low credit limits, and being a dead-end for long term credit repair because they have no better products to convert to as your credit improves. Finally you get into the mainstream credit card companies. Discover or Capital One are probably the best options for a starter card with no extra fees that can grow as your credit grows. Those should ideally be your target. If you don't have good enough credit or income to qualify for anything then you should wait on the credit repair until you can afford to lay down a deposit for a secured card from Discover or another major issuer.