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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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Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › no-credit.html
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
People also ask

How can I apply for an instant approval credit card?

The best way to apply is online, but you can also apply in person or over the phone. You’ll need to provide some information to prove your identity and employment, including your:

  • Employment status and place of work
  • Income
  • In some cases, your other debts and expenses
  • Social insurance number (though, your SIN usually isn’t required)
  • Finally, you’ll need to consent to a credit check
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ratehub.ca
ratehub.ca › blog › best-instant-approval-credit-cards
The best instant approval credit cards in Canada for 2026 | Ratehub.ca
Can I get an instant approval credit card if I have bad credit?

Most instant approval credit cards need fair to good credit scores, meaning you have a higher chance of being declined if you have a bad credit score. Good news is there are plenty of cards on the market for people with bad credit scores. 

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ratehub.ca
ratehub.ca › blog › best-instant-approval-credit-cards
The best instant approval credit cards in Canada for 2026 | Ratehub.ca
What is the easiest credit card to get approved for in Canada?

If you’re looking for a credit card with a fast application and approval process, the American Express Cobalt Card is our pick for the best instant approval card in Canada. If you want a credit card that’s easy to get approved for, consider a secured card like the Secured Neo Mastercard.

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ratehub.ca
ratehub.ca › blog › best-instant-approval-credit-cards
The best instant approval credit cards in Canada for 2026 | Ratehub.ca
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KOHO
koho.ca › instant-approval-virtual-card
Instant Approval Virtual Card - No Credit Check
Need a Virtual Card? Apply online for KOHO's virtual Mastercard: get guaranteed, instant approval. Start using it today to pay in-store, online and in-app!
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WalletHub
wallethub.com › popular credit card questions
No Credit Check Credit Cards With Instant Approval and No Deposit
November 12, 2025 - The only credit card with no credit check and no deposit that may offer instant approval is the Tomo Card, according to WalletHub’s database of 1,500+ credit card offers. This card does not consider your credit score during the approval process, ...
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WalletHub
wallethub.com › popular credit card questions
Instant Approval Virtual Credit Cards With No Deposit (2026)
3 weeks ago - One of the best instant approval virtual credit cards with no deposit is the Capital One Platinum Credit Card. It’s available to people with limited credit, it’s unsecured, and it lets you create virtual card numbers directly through Eno, ...
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Neo Financial
neofinancial.com › credit-cards › neo-mastercard
Neo Mastercard | Apply Online in Minutes | Neo Financial™
Requires refundable security funds³ and the Build membership ($7.99/month, with ways to get it for free) to get features to help strengthen your credit. Explore what you're pre-approved for with no hard credit check. ... Build your credit history and work towards higher credit limits. Apply with any credit history or income. You can be eligible for higher limits in as little as 3 months. The Build membership can help you build your credit history faster. ... Start spending before your physical card arrives.
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Ratehub.ca
ratehub.ca › blog › best-instant-approval-credit-cards
The best instant approval credit cards in Canada for 2026 | Ratehub.ca
1 week ago - Grow your credit by an average of 31+ points in just 4 months with Credit Building* for $10 / month. All KOHO plans come with a free 30-day trial so you can see if it suits you. ... Get this plan for $0 when you set up a recurring Direct Deposit or deposit $1000 each month into your KOHO account. Choose from one of the exciting card colours we offer and receive both a physical and virtual card for instant use. Your everyday spending and saving account with no minimum account balance, Instant e-transfers unlimited transactions
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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.
Find elsewhere
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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!
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WalletHub
wallethub.com › credit cards › bad credit unsecured
6 Best Unsecured Credit Cards for Bad Credit in 2026
2 days ago - ... 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 ...
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WOWA
wowa.ca › instant-approval-credit-cards-canada
Best Instant Approval Credit Cards in Canada | WOWA.ca
Get KOHO*KOHO Essential Plan is free if you complete one of two actions: set up a recurring direct deposit OR fund your card by at least $1,000 every month. ... Nowadays, most credit cards offer instant approval.
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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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Spring Financial
springfinancial.ca › home › the best instant approval credit cards in canada in 2025
The Best Instant Approval Credit Cards in Canada in 2025 - Spring Financial
September 16, 2025 - While this may seem like a lot of money to have deposited, it’s important to remember that Home Trust is a member of the Canada Deposit Insurance Corporation (CDIC), so your funds are protected. The Walmart Rewards Mastercard is another credit ...
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BadCredit.org
badcredit.org › home › guides
Guaranteed Approval Credit Cards with No Deposit in 2026 - BadCredit.org
2 weeks ago - 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.
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American Express
americanexpress.com › credit intel › cards
Can I Get Credit Cards With No Deposit?
March 28, 2025 - When applying for a credit card with no deposit, choose a card that aligns with your lifestyle and goals to maximize the rewards. Upon approval, some issuers may offer credit cards with instant approval.
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CardRates
cardrates.com › home › advice
7 Easy Approval Credit Cards with No Deposit (2025)
August 8, 2025 - These cards don’t require a deposit, and you can apply for the card of your choice and receive a credit decision in a matter of minutes. ... You can access the online application for every unsecured card below by clicking on the card’s name or the Apply Now button. Each application takes only minutes to complete, and you can receive instant approval ...
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Chime
chime.com › money moves › credit › can i get credit cards with no deposit?
Can I Get Credit Cards With No Deposit?
November 3, 2025 - * Option to get funds instantly for $2 per advance or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. ... Chime® is a financial technology company, not a bank.
Top answer
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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.