Mastercard
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Credit Cards for No Credit - Mastercard
No annual or hidden fees. See if you’re approved in seconds · Building your credit? Using the Capital One Platinum Secured card responsibly could help · Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
Capital One
capitalone.com › learn & grow › money management › instant no-deposit credit card
No-deposit credit cards with instant approval and use
Thanks to virtual credit cards, the account may be available to use instantly. Credit cards that don’t require security deposits are known as unsecured credit cards. Seeing if you’re pre-approved can give you quick insight into potential card options without harming your credit scores. Check for pre-approval offers with no risk to your credit score.
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What do I need to qualify for a credit card with no deposit?
Most credit card companies review your credit report, credit score, and monthly income compared to your debts, known as your debt-to-income ratio, when approving credit card applications. Higher credit scores and a lower debt-to-income ratio improve your approval odds without a security deposit.
chime.com
chime.com › money moves › credit › can i get credit cards with no deposit?
Can I Get Credit Cards With No Deposit?
Do student credit cards require a deposit?
Some student credit cards require a deposit, but that’s not a universal rule. Some student credit cards are unsecured, meaning they don’t require a deposit. If you are considering a credit card designed for students, be sure to read the specific details of that card.
chime.com
chime.com › money moves › credit › can i get credit cards with no deposit?
Can I Get Credit Cards With No Deposit?
What’s the easiest credit card to get?
Secured credit cards are often available without a credit check, which could make them easy to get. If you’re looking for a card with no credit check, consider the Chime Credit Builder Secured Visa Credit Card.
chime.com
chime.com › money moves › credit › can i get credit cards with no deposit?
Can I Get Credit Cards With No Deposit?
CompareCards.com
comparecards.com › credit-quality › no-credit
Credit Cards for No Credit – Credit Cards for People with No Credit | CompareCards.com
Activate for free. Terms and conditions apply. ... Click the stars to submit your rating. Rating already submitted! Thanks for rating! ... Click the stars to submit your rating. Rating already submitted! Thanks for rating! ... Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
Discover
discover.com › card smarts › getting a credit card › how can i get credit cards with no deposit?
How Can I Get Credit Cards with No Deposit?
April 23, 2025 - It can be frustrating to find out you might not qualify for a credit card without making a deposit to the credit card company. It can feel like you’re borrowing your own money or tying up cash you could be using to pay a bill. If you have an income and a good credit score, you may get approval for an unsecured credit card with no deposit.
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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.
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
Capital One
capitalone.com › learn & grow › money management › credit cards with no deposit
Credit Cards With No Deposit: What to Consider | Capital One
If a credit card doesn’t require a security deposit or other collateral, by definition, it’s an unsecured card. What credit card can I use immediately after approval? Some issuers may require cardholders to wait for physical cards to arrive in the mail to use the account. But if an issuer offers an instant-use card, you may be able to use a virtual credit card or a digital wallet to make a purchase sooner.
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 - ... Nope. You can check to see whether you qualify and, if you do qualify, get an estimated Prosper® Card interest rate and credit line amount with no impact to your credit score.
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