If you need a credit card, there are some great options in which you can get instant approval. Those cards also have benefits like rewards programs, travel assistance, and they can also help to turn bad credit or no credit into good credit.
Here are some of our picks:
Capital One Secured Mastercard
- No annual fee
- Limited/bad credit accepted
- No foreign transaction fees
- It helps to build credit
- Higher credit line after 5 months if the previous payments were made on time
Surge Mastercard
- Limited/bad credit accepted
- It helps to build credit
- Accepted everywhere
- Initial credit limit of $500
- Fast application and decision in seconds
First Access Visa Card
- Limited/bad credit is accepted
- Checking account required
First Progress Platinum Elite Secured Card
- It helps to build credit
- No minimum credit score
- No credit history required
- $29 annual fee
Total Visa Card
- Manageable monthly payments
- Reports monthly to all three major credit bureaus
- Accepted by merchants throughout the USA and online
- Checking account required
OpenSky® Secured Visa® Credit Card
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
First Progress Platinum Select Secured Credit Card
- It helps to build credit
- Limited/bad credit accepted
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
Fingerhut Credit Account
- Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
- Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
- Fast, easy online application process and a quick decision
- Not an access card
- No annual fee
- Bad/Fair Credit accepted
Discover it Secured Card
- No Annual Fee
- Cash back on every purchase
- It reports to the major credit bureaus, so it can help you build your credit with responsible use.
- It requires a security deposit up to the amount we can approve of at least $200 which will establish your credit line, so you will need to provide your bank information when submitting your security deposit.
- Possible credit line increase after 8 months
- Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
- Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Primor Secured Visa Gold Card
- Credit lines available from $200 to $5,000
- There is no score requirements!
- No processing or application fees!
- No penalty APR
- Foreign Transaction Fees: 3%
- It can improve your credit if used responsibly.
- Fast, easy application process.
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