🌐
WalletHub
wallethub.com › answers › cc › credit-cards-for-fair-credit-instant-approval-2140660741
Best Credit Cards for Fair Credit with Instant Approval
September 23, 2025 - The best instant approval credit cards for fair credit are the Upgrade Cash Rewards Visa® and the Petal® 2 Visa® Credit Card. Both cards are available to people with fair/average credit, offer rewards, and have $0 annual fees, and you can ...
Discussions

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
Most major banks support “instant use” upon approval through a digital wallet. The key part of your question is “which you can get” about which you have provided no information so no one can suggest anything specific to you. More on reddit.com
🌐 r/CreditCards
81
26
November 29, 2023
Need a Visa card with instant approval and great sign up bonuses
There is no such thing as a card with guaranteed instant approval. You getting approved will only depend on your credit profile. Are you going to buy the stuff from Costco in store, or online? While Costco only takes Visa for in store purchases, it does also take Mastercard and Discover online. Unfortunately it does not take any Amex cards at all. If you only care about SUBs, here is a list with cards that currently have best SUBs: https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/ If you also want a card to use long term at Costco, the US Bank Altitude Reserve is my go to for that. You can pay with a digital wallet at Costco, and that card gives 3x points on that, that you can redeem for 1.5 cents per point against travel purchases (booked directly). So that’s a total of 4.5% cash back. Edit: US Bank is pretty picky, and even if they would approve you in the end, there is a chance they will not do it immediately, so it might not fit your tight timeline. More on reddit.com
🌐 r/CreditCards
2
0
July 13, 2023
Which cards allow you to spend instantly once approved without requiring the physical card?
Chase and Amex let me use Apple Pay immediately.. More on reddit.com
🌐 r/CreditCards
65
37
July 26, 2025
CC for fair credit
First piece of advice, never listen to Credit Karma approval odds or any recommendations provided by CK. What is the source of the credit score you are referencing? You have dozens: https://old.reddit.com/r/CRedit/comments/1bpl3ud/credit_myth_1_you_only_have_one_credit_score/ Is your 5 month old Discover card the only account as seen on your credit reports? If it's not your first account, perhaps you can see your TransUnion Fico 8 score through them. Can you? If it is your first account, it could take another cycle or two before it shows up, as you need to have an account open for 6 months in order to see your first Fico score. Stay away from Citi products until you have at least a year of revolving credit history. For the Capital One cards, go to the Capital One pre approval site and see if you have any offers on the table. Going with a card from them would be perfectly fine as a second in your lineup. Like Discover, Capital One is accepting of thin/young files. More on reddit.com
🌐 r/CRedit
17
2
August 23, 2024
People also ask

What credit card can I get with a 500 credit score?

If you have a credit score of 500, the easiest credit cards to get are secured cards that require a deposit.

🌐
cnbc.com
cnbc.com › cnbc select › credit cards › 8 easiest credit cards to get approved for in january 2026
8 easiest credit cards to get approved for in January 2026
What is the easiest credit card to get with bad credit?

If you have bad credit, the Petal 2 "Cash Back, No Fees" Visa Credit Card is one of the easiest cards to get because the issuer considers factors beyond your credit score, such as banking activity.

🌐
cnbc.com
cnbc.com › cnbc select › credit cards › 8 easiest credit cards to get approved for in january 2026
8 easiest credit cards to get approved for in January 2026
How can I get an authorized user credit card?

To become an authorized user on someone else's credit card account, the primary account holder needs to add you as an authorized user. Authorized users get their own credit card but typically won't have access to all of the same benefits available to the primary cardholder and there could be a fee for adding authorized users.

🌐
cnbc.com
cnbc.com › cnbc select › credit cards › 8 easiest credit cards to get approved for in january 2026
8 easiest credit cards to get approved for in January 2026
🌐
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › fair-credit.html
Credit Cards for Fair Credit - Mastercard
... See if you Pre-Qualify in minutes without harming your credit score – all credit scores welcome to apply · Earn 1.5% unlimited cash back on card purchases every time you make a payment. See details. Get a virtual card instantly after approval – simple and fast application
🌐
CNBC
cnbc.com › cnbc select › credit cards › 8 easiest credit cards to get approved for in january 2026
8 easiest credit cards to get approved for in January 2026
2 weeks ago - 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you · Who's this for? The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is open to applicants with no credit history, ...
🌐
Capital One
capitalone.com › credit cards › fair or building credit
Credit Cards for Fair Credit | Capital One
If you’re simply new to the world of credit or are trying to expand your credit history, consider applying for a credit card for fair credit, like SavorOne, QuicksilverOne, the Quicksilver Secured, or the Platinum Mastercard. You can get pre-approved to see what you may qualify for.
🌐
NerdWallet
nerdwallet.com › credit-cards › learn › credit-cards-that-offer-preapproval-without-a-hard-pull
Credit Cards That Offer Preapproval Without a Hard Pull - NerdWallet
You can use the card instantly upon approval and redeem rewards more or less immediately after earning them, no waiting period required. A pre-qualification process allows you to see your terms — including credit limit and APR — before accepting ...
Published   3 days ago
Find elsewhere
🌐
Synchrony
synchrony.com › financing › credit-cards
Synchrony Credit Cards: Prequalify or Apply Online
There is no impact to your credit score. Get a decision in seconds. If you prequalify, then apply. Select Apply in the card details if you're confident you'll be approved
🌐
Credit.com
credit.com › credit-cards › fair-credit
Credit Cards for Fair Credit: Ultimate Guide | Credit.com
However, credit score alone does not guarantee or imply approval for any credit offer. †Advertiser Disclosure: Credit.com receives compensation for the products and services advertised on this site if our users apply for and sign up for any of them. Below, we highlight factors you should consider when evaluating and applying for a credit card for fair credit.
🌐
CreditNinja
creditninja.com › home › credit cards with $2000 limit with guaranteed approval
Credit Card With $2000 Limit With Guaranteed Approval | CreditNinja
September 26, 2025 - Secured credit cards, like the OpenSky® Secured Visa® Credit Card, let you set a credit limit up to $3,000 with a refundable security deposit, ensuring higher limits and guaranteed approval.
🌐
CreditSoup
creditsoup.com › fair-credit
Credit Card Options For Fair Credit | Card Offers For Fair Credit
If you have a fair credit score, a score that typically ranges from 550 to 619, there are many credit card options available to you. Credit card options include unsecured cards, cards without fees and cards with reward programs. Check out some of our favorite options for credit cards for those ...
🌐
Credit Karma
creditkarma.com › credit-cards › fair-credit
Best Credit Cards for Fair/Average Credit August 2025
Credit card issuers rarely make credit score guidelines publicly available, so it’s hard to know the minimum credit score needed to get a credit card with fair credit. The easiest credit cards to get approved for — like secured cards — are intended for people with poor credit.
🌐
Firstsouth
firstsouth.com › credit cards › visa platinum credit cards › fresh start visa platinum credit card
Fresh Start VISA Platinum Credit Card
Full net pay must be direct deposited to a First South Financial Checking or Savings Plus account. Rates are variable, and the Fresh Start Visa interest rate is the same as the Platinum Advantage Visa interest rate.
🌐
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 - Your credit line can increase or decrease, or not change at all, depending on your payment history and eligibility. The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® ...
🌐
Discover
discover.com › credit-cards › instant-use-credit-cards
Instant Use Credit Cards & Virtual Card Numbers | Discover
You could be approved in as little as 90 seconds.1 · If you're eligible, you'll get a virtual credit card that you can use online even before your physical card arrives in the mail.2 · An "instant approval" credit card is not the same as an "instant use" credit card.
🌐
CompareCards.com
comparecards.com › credit-quality › fair
Credit Cards for Fair Credit – Credit Cards for Average Credit | CompareCards.com
See additional details for Upgrade Cash Rewards Visa® ... Your car's equity could unlock up to a $10K credit limit in minutes. ... Click the stars to submit your rating. Rating already submitted!
🌐
Petal
petalcard.com › petal-2
Petal 2 Visa Credit Card
By submitting a pre-approval request, you grant your permission to be evaluated for multiple Petal credit cards. Pre-approval does not guarantee an account approval and you must submit a full application for review in order to apply for any ...
🌐
CreditCards.com
creditcards.com › instant-approval
Instant Approval Credit Cards | CreditCards.com
December 10, 2019 - The opensky Secured Visa also charges a lower-than-average APR that sets it apart from other secured cards or cards for people with bad-to-fair credit and offers $0 fraud liability and auto rental insurance.
🌐
Avant
avant.com › credit-card › landing › fair-credit
A Credit Card for Fair or Average Credit | Avant
¹ APR ranges from 29.99%–35.99%. ² At this time, approved applications for the AvantCard submitted directly through the Avant website will have a $39-$75 annual membership fee, a minimum credit limit of $300, and a 35.99% APR. Pricing may vary based on offers provided through different channels. If you received an offer in the mail, please refer to your letter for the specific terms offered. For more information regarding other account terms see rates and terms. Credit scores fall under five main categories: excellent (800 or above), very good (740 to 799), good (670 to 739), fair (580 to 669), and poor (579 and below).
🌐
Experian
experian.com › credit-cards › best-for-fair-credit
Best Credit Cards for Fair Credit of 2025 - Experian
Offers and approval not guaranteed. Eligibility requirements and terms apply. Subject to credit check which may impact your credit scores. Offers not available in all states. Marketplace licenses and disclosures. Get personalized credit card offers based on your credit profile ... Cash backRewardsFor bad creditFor fair creditBalance transferSecuredLow interestStudentTravel0% intro APRNo annual feeIntro bonusNo foreign transaction feeAirlineHotelGasFor building creditFor no credit