dcsimg

Instant approval credit cards from our partners

The big-name credit card issuers offer instant approval credit cards. An instant approval credit card significantly speeds up the application process when you apply online.  These are not guaranteed instant approval credit cards. Credit card applications may have to go through a traditional approval process.  Compare these credit cards using our expert ratings and reviews.

Compare your card and see how it stacks up
Search

  

UNITY® Visa Secured Credit Card - The Comeback Card™
About Our Ratings

UNITY® Visa Secured Credit Card - The Comeback Card™

  • A secured credit card to help rebuild your credit
  • Monthly reporting to all 3 major credit bureaus
  • Credit line secured by FDIC insured fully refundable deposit of $250-$10,000 submitted with application
  • Low, fixed interest rate (not variable)
  • No application fee or penalty rate
  • 24/7 online access to your account
  • Good for car rental, hotels; anywhere credit cards are accepted!
Purchase Intro APR: N/A
Purchase APR 17.99% Fixed
Annual Fee $39
APPLY NOW Credit Needed Bad
Credit Card Database

More about Instant approval credit cards

  • What is instant approval?
  • Who benefits from it?
  • What are the advantages?
  • Are there any downsides?

An instant approval credit card is one for which you apply online and receive a nearly immediate decision on whether or not you've been approved.

Based primarily on your credit score, a computer determines whether or not you qualify for instant credit approval. You'll be asked general information about yourself and your finances, including your income level, housing situation, employment and Social Security number. Then, you submit your proof of identification and the application. Often, before the card issuer mails you the credit card, they review your application and decide on your credit limit.

Instant approval credit cards are for people who want to find out quickly if they can get credit. They're best for consumers with an excellent or good credit score (620 and higher). However, cards are also available for people with fair, bad, or no credit.

If you are approved immediately for a new credit card, that doesn't mean you can instantly start making purchases online. Your new credit card will be mailed to you and then you can activate it and start using it.

An advantage of instant approval credit cards is you can learn within 60 seconds whether you're approved or not for your chosen credit card, simply by applying online.

In addition to noting whether a card is eligible for instant approval, you should always compare the interest rates, annual fees and rewards programs of various credit card offers. A low interest rate should be your priority if you tend to carry a balance. If not, you can match specific rewards to the way you spend your money.

There are two things to be careful of when applying for an instant approval credit card.

  • Make sure you double-check your credit card agreement when your new card arrives to see that it matches the offer you were given with an instant approval. Some credit card companies promise a good deal and then switch you to a different one. Don't activate your new credit card until you have checked your interest rate and fees.
  • If you apply for multiple instant approval credit cards within a short time, you could damage your credit score.

If you have decided you are ready to choose an instant approval credit card, look at the offers on this page to find the one that best meets your needs.

About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.