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Written by
Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides Bankrate.com, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.
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Liliana Hall is an editor for CNET Money covering banking, credit cards and mortgages. Previously, she wrote about personal credit for Bankrate and CreditCards.com. She is passionate about providing accessible content to enhance financial literacy. She graduated from the University of Texas at Austin with a bachelor’s degree in journalism, and has worked in the newsrooms of KUT and the Austin Chronicle. When not working, she is probably paddle boarding, hopping on a flight or reading for her book club.
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Edited by
Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.
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Updated Dec. 11, 2023
4 min read
Written and edited by
Cynthia Paez Bowman
+ 2 others
Written by
Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides Bankrate.com, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.
See full bio
Liliana Hall is an editor for CNET Money covering banking, credit cards and mortgages. Previously, she wrote about personal credit for Bankrate and CreditCards.com. She is passionate about providing accessible content to enhance financial literacy. She graduated from the University of Texas at Austin with a bachelor’s degree in journalism, and has worked in the newsrooms of KUT and the Austin Chronicle. When not working, she is probably paddle boarding, hopping on a flight or reading for her book club.
See full bio
Edited by
Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.
See full bio
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Annual Fee
$0
Rewards Rate
1%
– 10%
Prime Card Bonus: Earn 10% back or more on a rotating selection of products and categories at Amazon.com; Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership; Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare); Earn unlimited 1% on all other purchases
Intro offer available
Get a $100 Amazon Gift Card (or more) instantly upon approval exclusively for Prime members
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Annual Fee
$0 intro annual fee for the first year, then $95.
Rewards Rate
1%
– 6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more; 3% Cash Back at U.S. gas stations; 1% Cash Back on other purchases
Intro offer available
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Apply Now
with American Express
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Annual Fee
$95
Rewards Rate
2x
– 5x
5x on travel purchased through Chase Ultimate Rewards®; 3x on dining.; 2x on all other travel purchases, plus more.
Intro offer available
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Annual Fee
$0
Rewards Rate
N/A
This card doesn’t offer cash back, miles, or points
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Annual Fee
$35
Rewards Rate
N/A
This card doesn’t offer cash back, miles, or points
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Annual Fee
$0
Rewards Rate
2%
– 3%
Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple; With every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Annual Fee
$0
Rewards Rate
1%
– 2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.; Earn unlimited 1% cash back on all other purchases – automatically.
Intro offer available
Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit cards with instant approval immediately let you know if you’re approved for a line of credit. You usually find out if you’re approved within minutes, and in many cases, you can start using your card right away. Some issuers provide a virtual credit card number or your card number immediately upon approval.
Although you may have access to an instant approval credit card right away, you shouldn’t apply for one of these cards simply because it offers a quick turnaround on approval. As with any credit card, decipher whether it complements your financial goals and fits into your budget to see if it’s the right choice for you. Consider rewards rates, annual fees, welcome bonuses, introductory offers, and additional perks and fees when comparing credit card options.
Instant approval for a credit card means you won’t be waiting around to hear whether you’ve been approved or denied. If you’re approved, many card issuers will even provide a virtual credit card number immediately so you can start using your new card as soon as possible.
You don’t need an excellent credit score to qualify for an instant approval credit card, either. In fact, many issuers offer instant approval on credit-building cards designed for those with poor to no credit, like secured credit cards. Here are some of the best to choose from.
CNET’S PICK
Best overall card for instant access upon approval
X1 Card
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Rewards Rate
2x
– 10x
2X points on every purchase
regardless of category; 3X points every time you spend $1,000 in a month; 4X, 5X and even 10X points for every friend who gets a card; Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Rec. Credit
Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850
Good – Excellent
APR
15.50% – 27.75% Variable
The X1 Card grants you account access through its app as soon as you’re approved. While you wait for this metal credit card to arrive in the mail, you can add it to your digital wallet or create virtual card numbers to make purchases online or in person. There’s no welcome bonus or introductory APR, but the X1 Card offers a handful of rare and useful perks, like higher credit limits and multiple opportunities to boost your rewards rates.
See our full X1 Card review for more details.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
15.50% – 27.75% Variable
Balance Transfer Fee
2% of the amount of each transfer.
10x
Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
4x
4X, 5X and even 10X points for every friend who gets a card
3x
3X points every time you spend $1,000 in a month
2x
2X points on every purchase
regardless of category
The X1 Card grants you account access through its app as soon as you’re approved. While you wait for this metal credit card to arrive in the mail, you can add it to your digital wallet or create virtual card numbers to make purchases online or in person. There’s no welcome bonus or introductory APR, but the X1 Card offers a handful of rare and useful perks, like higher credit limits and multiple opportunities to boost your rewards rates.
See our full X1 Card review for more details.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
15.50% – 27.75% Variable
Balance Transfer Fee
2% of the amount of each transfer.
10x
Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
4x
4X, 5X and even 10X points for every friend who gets a card
3x
3X points every time you spend $1,000 in a month
2x
2X points on every purchase
regardless of category
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Get a $100 Amazon Gift Card (or more)
Get a $100 Amazon Gift Card (or more) instantly upon approval exclusively for Prime members
Rewards Rate
1%
– 10%
Prime Card Bonus: Earn 10% back or more on a rotating selection of products and categories at Amazon.com; Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership; Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare); Earn unlimited 1% on all other purchases
Rec. Credit
Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850
Good – Excellent
APR
19.49% – 27.49% Variable
The Prime Visa is an excellent choice for shoppers who want to earn cash-back rewards that can be applied to purchases, transferred to a bank account or applied as a statement credit. Once you’re approved for this Chase credit card, you can access it from your Amazon account and use it at checkout. You’ll need to wait for the physical card before you can shop at retail stores, but considering how much is available through Amazon or Whole Foods online, you may be able to purchase what you need without the mail carrier holding you up.
For more details, check out our full review of the Prime Visa.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
19.49% – 27.49% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
10%
Prime Card Bonus: Earn 10% back or more on a rotating selection of products and categories at Amazon.com
5%
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
2%
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
1%
Earn unlimited 1% on all other purchases
The Prime Visa is an excellent choice for shoppers who want to earn cash-back rewards that can be applied to purchases, transferred to a bank account or applied as a statement credit. Once you’re approved for this Chase credit card, you can access it from your Amazon account and use it at checkout. You’ll need to wait for the physical card before you can shop at retail stores, but considering how much is available through Amazon or Whole Foods online, you may be able to purchase what you need without the mail carrier holding you up.
For more details, check out our full review of the Prime Visa.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
19.49% – 27.49% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
10%
Prime Card Bonus: Earn 10% back or more on a rotating selection of products and categories at Amazon.com
5%
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
2%
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
1%
Earn unlimited 1% on all other purchases
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn $250
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Annual Fee
$0 intro annual fee for the first year, then $95.
Rewards Rate
1%
– 6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more; 3% Cash Back at U.S. gas stations; 1% Cash Back on other purchases
Rec. Credit
Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850
Good – Excellent
APR
19.24% – 29.99% Variable
The Blue Cash Preferred provides one of the greatest cash-back rates for essential purchases at U.S. supermarkets and U.S. gas stations. While it does have an annual fee ($0 intro annual fee for the first year, then $95), you’ll likely hardly notice it. The rewards it earns at U.S. supermarkets can quickly eclipse the cost of the card — something I can personally attest to.
Once you’re approved, you can access a your card number through your Amex account or app to use for online purchases.
Read our Blue Cash Preferred from American Express review to learn more.
Intro Balance Transfer APR
0% on balance transfers for 12 months
Intro Purchase APR
0% on purchases for 12 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%
6% Cash Back on select U.S. streaming subscriptions
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
The Blue Cash Preferred provides one of the greatest cash-back rates for essential purchases at U.S. supermarkets and U.S. gas stations. While it does have an annual fee ($0 intro annual fee for the first year, then $95), you’ll likely hardly notice it. The rewards it earns at U.S. supermarkets can quickly eclipse the cost of the card — something I can personally attest to.
Once you’re approved, you can access a your card number through your Amex account or app to use for online purchases.
Read our Blue Cash Preferred from American Express review to learn more.
Intro Balance Transfer APR
0% on balance transfers for 12 months
Intro Purchase APR
0% on purchases for 12 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%
6% Cash Back on select U.S. streaming subscriptions
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
60,000 bonus points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Rewards Rate
2x
– 5x
5x on travel purchased through Chase Ultimate Rewards®; 3x on dining.; 2x on all other travel purchases, plus more.
Rec. Credit
Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850
Good – Excellent
APR
21.49% – 28.49% Variable
The Chase Sapphire Preferred Card is a great choice for any traveler who isn’t a brand loyalist. Its rewards program is one of the best around, primarily because of its flexible and high-value redemption options. Not only can you utilize point transfers at a 1:1 rate through Chase’s travel partners, but you’ll also earn a 25% redemption bonus when you redeem points for travel through Chase Ultimate Rewards.
Once you’re approved, you can add the card to your digital wallet through the Chase app to access it immediately. This will let you use it both online or in person (wherever digital payments are accepted).
To learn more, check out our Chase Sapphire Preferred Card review.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
21.49% – 28.49% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
5x
5x on travel purchased through Chase Ultimate Rewards®
2x
2x on all other travel purchases, plus more.
The Chase Sapphire Preferred Card is a great choice for any traveler who isn’t a brand loyalist. Its rewards program is one of the best around, primarily because of its flexible and high-value redemption options. Not only can you utilize point transfers at a 1:1 rate through Chase’s travel partners, but you’ll also earn a 25% redemption bonus when you redeem points for travel through Chase Ultimate Rewards.
Once you’re approved, you can add the card to your digital wallet through the Chase app to access it immediately. This will let you use it both online or in person (wherever digital payments are accepted).
To learn more, check out our Chase Sapphire Preferred Card review.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
21.49% – 28.49% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
5x
5x on travel purchased through Chase Ultimate Rewards®
2x
2x on all other travel purchases, plus more.
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Rewards Rate
N/A
This card doesn’t offer cash back, miles, or points
Rec. Credit
Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
No Credit History
The Capital One Platinum Secured Credit Card* is designed for anyone with poor or no credit, providing a line of credit and the opportunity to build (or rebuild) your credit score with responsible use.
Most secured cards expect you to provide 100% of the credit limit in the form of a security deposit. But depending on your credit score, Capital One requires as little as $49 or $99 to get a $200 initial credit line. If you maintain your card account in good standing, Capital One may automatically consider you for a higher credit line in as little as six months. If approved, you may be able to log in to the mobile app to grab your new card number and start making purchases right away.
For more details, check out our full review of the Capital One Platinum Secured Credit Card.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
30.74% (Variable)
Balance Transfer Fee
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
The Capital One Platinum Secured Credit Card* is designed for anyone with poor or no credit, providing a line of credit and the opportunity to build (or rebuild) your credit score with responsible use.
Most secured cards expect you to provide 100% of the credit limit in the form of a security deposit. But depending on your credit score, Capital One requires as little as $49 or $99 to get a $200 initial credit line. If you maintain your card account in good standing, Capital One may automatically consider you for a higher credit line in as little as six months. If approved, you may be able to log in to the mobile app to grab your new card number and start making purchases right away.
For more details, check out our full review of the Capital One Platinum Secured Credit Card.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
30.74% (Variable)
Balance Transfer Fee
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Rewards Rate
N/A
This card doesn’t offer cash back, miles, or points
Rec. Credit
Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
No Credit History
If you need to work on your credit, the OpenSky® Secured Visa® Credit Card is one of few credit cards that doesn’t require a credit check to apply. This secured credit card charges a $35 annual fee and requires a security deposit (between $200 and $3,000), which is equal to your credit limit. The OpenSky Secured Visa doesn’t offer rewards, but it offers a lower-than-average 25.64% variable APR for purchases and cash advances. You should pay your balance off in full every month to avoid interest charges, but its APR is lower than other secured credit cards.
For more details, check out our OpenSky Secured Visa Credit Card review.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
25.64% (variable)
Balance Transfer Fee
N/A
If you need to work on your credit, the OpenSky® Secured Visa® Credit Card is one of few credit cards that doesn’t require a credit check to apply. This secured credit card charges a $35 annual fee and requires a security deposit (between $200 and $3,000), which is equal to your credit limit. The OpenSky Secured Visa doesn’t offer rewards, but it offers a lower-than-average 25.64% variable APR for purchases and cash advances. You should pay your balance off in full every month to avoid interest charges, but its APR is lower than other secured credit cards.
For more details, check out our OpenSky Secured Visa Credit Card review.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
25.64% (variable)
Balance Transfer Fee
N/A
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Rewards Rate
2%
– 3%
Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple; With every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back
Rec. Credit
Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
N/A
APR
19.24% to 29.49% Variable
The Apple Card* is one of the best credit cards for instant approval, because not only can you apply directly from your iPhone, but it’s automatically added to your Apple Wallet app upon approval. You will receive a physical card, which can be handy when shopping at merchants that don’t accept Apple Pay.
You’ll earn cash back on qualifying purchases daily. And you can access your cash-back balance in your Apple Wallet — making it easy to apply to your balance or send money to a friend. You can find out if you’re approved for the Apple Card without hurting your credit score. Your credit score isn’t affected until you accept your offer. And if you decide to reject the offer or your application is declined, your credit score won’t be affected either. If you get approved, you can use the card right away through Apple Pay. And if you have an Apple Card, you can open a high-yield savings account for Daily Cash rewards in the Wallet app.
For more details, check out our full Apple Card review.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
19.24% to 29.49% Variable
Balance Transfer Fee
N/A
3%
Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple
2%
With every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back
The Apple Card* is one of the best credit cards for instant approval, because not only can you apply directly from your iPhone, but it’s automatically added to your Apple Wallet app upon approval. You will receive a physical card, which can be handy when shopping at merchants that don’t accept Apple Pay.
You’ll earn cash back on qualifying purchases daily. And you can access your cash-back balance in your Apple Wallet — making it easy to apply to your balance or send money to a friend. You can find out if you’re approved for the Apple Card without hurting your credit score. Your credit score isn’t affected until you accept your offer. And if you decide to reject the offer or your application is declined, your credit score won’t be affected either. If you get approved, you can use the card right away through Apple Pay. And if you have an Apple Card, you can open a high-yield savings account for Daily Cash rewards in the Wallet app.
For more details, check out our full Apple Card review.
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
19.24% to 29.49% Variable
Balance Transfer Fee
N/A
3%
Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple
2%
With every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back
CNET Rating
CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Cashback Match™
Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Rewards Rate
1%
– 2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.; Earn unlimited 1% cash back on all other purchases – automatically.
Rec. Credit
Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
No Credit History
The Discover it® Secured Credit Card* is a solid choice for first-time credit users. Like most secured credit cards, your initial deposit equals your credit limit. This card stands out because of its rewards structure, which most secured cards lack. You earn 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter, then 1%), and 1% cash back on all other purchases with no limit. And at the end of your first year as an account holder, Discover will match all your cash back earned.
Discover generally approves credit card applications instantaneously (as long as it doesn’t have follow-up questions upon receiving your application). You can also check if you’re preapproved via Discover’s website without affecting your credit score.
For more details, check out our full Discover it Secured Credit Card review.
Intro Balance Transfer APR
10.99% for 6 months
Intro Purchase APR
N/A
Regular APR
28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn unlimited 1% cash back on all other purchases – automatically.
The Discover it® Secured Credit Card* is a solid choice for first-time credit users. Like most secured credit cards, your initial deposit equals your credit limit. This card stands out because of its rewards structure, which most secured cards lack. You earn 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter, then 1%), and 1% cash back on all other purchases with no limit. And at the end of your first year as an account holder, Discover will match all your cash back earned.
Discover generally approves credit card applications instantaneously (as long as it doesn’t have follow-up questions upon receiving your application). You can also check if you’re preapproved via Discover’s website without affecting your credit score.
For more details, check out our full Discover it Secured Credit Card review.
Intro Balance Transfer APR
10.99% for 6 months
Intro Purchase APR
N/A
Regular APR
28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn unlimited 1% cash back on all other purchases – automatically.
What is an instant approval card?
An instant approval credit card lets you know immediately if you’re approved for a specific card. In some cases, you’ll also be able to use your line of credit immediately upon approval. Many instant-use credit cards happen to be secured cards, which are geared toward lower credit scores. But some issuers, like American Express, may offer instant card numbers to eligible users, which can be added to a compatible digital wallet and used to make purchases immediately. However, not every card here offers instant approval in every circumstance.
Pros
Instantly find out if you’re approved for a card
You can use your credit card right away
Virtual credit cards (if available) make online shopping safer
Cons
Not every card offers instant approval
What are the benefits of a card with instant approval?
If you want to know if you’re eligible for a credit card right away, applying for an instant approval card can save you from waiting.
Since many instant approval cards also provide instant access to your card number, you can typically start using it right away. This can be useful if you need to finance a large purchase or incur an unexpected expense.
And if your instant-use credit card offers a 0% introductory APR, you can take your time paying off a larger purchase before accruing interest on a revolving balance. But you want to avoid carrying a balance on a high-interest credit card because it will grow your debt and your credit score can take a hit.
How to choose the best instant approval credit card
Although instant approval cards may seem tempting, we don’t recommend choosing a credit card based on whether it offers speedy approval. You want to make sure the card fits your budget, complements your spending habits and checks off all of the boxes you’re looking for in a new credit card.
Here are some tips to help you choose the best instant approval credit card:
Consider why you need an instant line of credit. If you know you need to finance a large purchase, you may benefit from a 0% intro APR offer. Similarly, if a significant portion of your monthly budget goes toward stocking your pantry, you might consider a rewards card geared toward grocery shopping.
Check to see if you are preapproved. Preapproval doesn’t guarantee you’ll be approved for a credit card. However, you can check to see if you’re preapproved for a credit card with most issuers on this list. Preapproval can be reassuring because it requires only a soft inquiry, which doesn’t affect your credit score. And you better understand whether you may qualify for a credit card before committing to an application.
Check your credit score. A handful of secured credit cards offer instant approval, but some cards require good to excellent credit. Check your credit score before you apply for a new credit card to ensure you aren’t taking a credit hit you could have avoided.
Keep an eye out for high fees. To avoid taking on a credit card with an annual fee you can’t afford, carefully review a card’s APR, annual fee, late fee and so on. If you can avoid taking on an annual fee by opting for a card without one, you want to make that decision early to narrow down your options.
How to maximize your instant approval credit card
Getting the most from your chosen card comes down to using it where it earns the most and utilizing the features it offers. With instant approval cards, some include virtual card capabilities that can improve the safety of your online shopping. Like any credit card, be sure to pay off your card balance in full to avoid interest charges. If you treat your credit card like a debit card, you’re more likely to avoid overspending and credit card debt, and your credit sore will see the biggest improvement.
FAQs
Credit cards are not one-size-fits-all products. There are instant approval cards available for everyone — from someone starting out with no credit to those with excellent credit. This credit card guide includes the recommended credit score ranges for the cards reviewed so you can gauge your likelihood of approval ahead of time.
Prequalification and preapproval can help you gauge your approval odds without hurting your credit score. Some credit card issuers have their own guidelines around preapproval and prequalification, but the two terms are often used interchangeably. The difference between credit card prequalification and preapproval is typically who initiates the request, you or the credit card company.
In either case, the issuer initiates a soft inquiry on your credit report that does not affect your credit score, unlike a hard inquiry. The issuer typically conducts a hard pull on your credit when you formally apply, often dinging your credit score by a few points. In addition, you’re not obligated to apply if you’re prequalified or preapproved.
Preapproval can help you apply more confidently for a credit card, but it does not guarantee approval. If you’re preapproved for a credit card, it means you meet the initial criteria the issuer relies on to screen potential cardholders. Once you apply, the credit issuer typically performs a more detailed, hard inquiry on your credit to make a definitive decision.
Instant approval credit cards typically provide you with an answer as soon as you complete the online card application. However, you may still have to wait for the physical card to arrive in the mail so you can activate it for use.
Instant-use credit cards, however, are available immediately upon approval. Card companies that offer instant-use cards will give you the card number and expiration date as soon as you’re approved. Or they may even provide you with a virtual credit card number. But keep in mind instant approval does not always mean instant use, though the two may coincide.
Other credit cards we researched
Chase Sapphire Reserve®
Bank of America® Premium Rewards® credit card
Citi Custom Cash® Card
Capital One Venture Rewards Credit Card
Our methodology
CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles — with the understanding that everyone’s financial situation is different — and the designated function of a card.
For cash-back credit cards, for example, key factors include the annual fee, the welcome bonus and the cash-back rate (or rates, if they differ by spending category). For rewards and miles cards, we calculate and weigh the net monetary value of a card’s respective perks. And with balance transfer credit cards, we analyze specs such as the duration of the introductory 0% APR period and the balance transfer fee, while acknowledging secondary factors such as the standard APR and the length of time you have to make a balance transfer after you open the account.
More credit card advice
Best Credit Cards for No Credit
Best Credit Card Welcome Bonus
Best Travel Credit Cards
Best Balance Transfer Credit Cards
For rates and fees of the Blue Cash Preferred Card from American Express, click here.
*All information about the Apple Card, Capital One Platinum Secured Credit Card, and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.
The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.
Written by
Cynthia Paez Bowman
Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides Bankrate.com, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.
Liliana Hall is an editor for CNET Money covering banking, credit cards and mortgages. Previously, she wrote about personal credit for Bankrate and CreditCards.com. She is passionate about providing accessible content to enhance financial literacy. She graduated from the University of Texas at Austin with a bachelor’s degree in journalism, and has worked in the newsrooms of KUT and the Austin Chronicle. When not working, she is probably paddle boarding, hopping on a flight or reading for her book club.
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