FIT™ Platinum Mastercard®Limited offer

Unsecured

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On Continental Finance site

Best Instant Approval Credit Cards of July 2025

Compare instant approval credit cards on Myfin.us.

Updated July 15, 2025

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FIT™ Platinum Mastercard®

See terms

Annual Fee

35.90%

Regular APR

This card doesn't offer cash back, miles or points.

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On Continental Finance site

Surge® Platinum Mastercard®

Celtic Bank

$75 - $125

Annual Fee

35.90%

Regular APR

This card doesn't offer cash back, miles or points.

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On Celtic Bank‘s site

First Access Visa® Card

$75.00 for the 1st year, $48.00 after

Annual Fee

35.99%

Regular APR

Earn 1% cash back rewards on payments made to your First Access Credit Card.

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On the First Access Visa® Card secure website

Total Visa® Card

$75.00 for the 1st year, $48.00 after

Annual Fee

35.99%

Regular APR

Cash Back on all purchases.

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On the Total Visa® Card secure website

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Best Credit Cards for Instant Approval in July 2025

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FIT™ Platinum Mastercard® best for Unsecured

FIT™ Platinum Mastercard®

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Annual fee:

See terms

Regular APR:

35.90% Fixed

Our Rating:

3.9

Credit score

No Credit History to Poor (0-579)

Issuer name:
The Bank of Missouri
Details:
The FIT™ Platinum Mastercard® Credit Card helps to rebuild or build your credit.
The monthly maintenance fee for the second year will be $150 per year ($12.50 per month). The Processing Fee is $95 (one-time fee).
The FIT™ Platinum Mastercard® Credit Card has an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.
Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.
Read full review

Pros:
- Low eligibility requirements
- Reasonable credit limit
- No Security deposit
Cons:
- High extra fees
- High APR
- Foreign Transaction Fee
- No reward program
- No Sign up Bonus

Benefits:
- $400 Initial Credit Limit;
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit;
- Unsecured credit card requires No Security Deposit;
- Perfect card for everyday purchases and unexpected expenses;
- Monthly reporting to the three major credit bureaus;
- Use your card everywhere Mastercard is accepted at millions of locations;
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).

View all FIT™ Platinum Mastercard® details

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On Continental Finance site

Card detail

Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

Celtic Bank Surge® Platinum Mastercard®

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Annual fee:

$75 - $125

Regular APR:

35.90% Fixed

Our Rating:

3.2

Credit score

No Credit History to Poor (0-579)

Issuer name:
Celtic Bank
Details:
The Surge® Platinum Mastercard® credit card's APR range is 35.90% Fixed.
This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.
Read full review

Pros:
- Monthly Credit Reporting
- Free Monthly Credit Score
- Prequalification Without a Hard Check
Cons:
- High Annual Fee
- Relatively Low Credit Limit
- Foreign Transaction Fee
- Monthly Maintenance Fee After the 1st year
- High APR

Benefits:
- Up to $1,000 Initial Credit Limit;
- See if you Pre-Qualify with No Impact to your Credit Score;
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit;
- Responsible use can lead to a Credit Limit Increase offer in as few as 6 months;
- Unsecured credit card requires No Security Deposit;
- Perfect card for everyday purchases and unexpected expenses;
- Monthly reporting to the three major credit bureaus;
- Use your card everywhere Mastercard is accepted at millions of locations;
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).

View all Surge® Platinum Mastercard® details

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On Celtic Bank‘s site

Card detail

First Access Visa® Card best for Low income

First Access Visa® Card

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Annual fee:

$75.00 for the 1st year, $48.00 after

Regular APR:

35.99%

Our Rating:

4.2

Credit score

No Credit History to Fair (0-669)

Rewards Rate:
- 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.

Issuer name:
The Bank of Missouri
Details:
The First Access Visa® Card is a true VISA® credit card that does not require perfect credit for approval.
The First Access Visa® Card's APR: 35.99%.
The First Access Visa® Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.
Read full review

Pros:
- Available to those with bad credit
- Reports to three major credit bureaus
- Easy application
- No security deposit
Cons:
- High APR
- Several fees
- Low credit limit

Benefits:
- 1% Cash Back rewards on payments made to your First Access Credit Card;
- First Access Visa credit card accepted nationwide;
- Rebuild your credit;
- Easy and Secure Online Application.

View all First Access Visa® details

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On the First Access Visa® Card secure website

Card detail

Total Visa® Card

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Annual fee:

$75.00 for the 1st year, $48.00 after

Regular APR:

35.99% *

Our Rating:

3.32

Credit score

Rebuilding Credit to Fair (0-669)

Rewards Rate:
- 1% Cash Back on all purchases.

Issuer name:
The Bank of Missouri
Details:
The Total Visa® Card is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply.
The Total Visa® Card's Regular APR is 35.99%.
The Total Visa® Card allows you to choose your own card design.
Read full review

Pros:
- Low Requirements
Cons:
- Annual Fee
- High Regular APR
- No Intro APR period
- Extra Fees

Benefits:
- $0 fraud liability;
- Reports monthly to all three major credit bureaus;
- Manageable monthly payments;
- Select your favorite card design for free.

View all Total Visa® Card details

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On the Total Visa® Card secure website

Card detail

First Progress Platinum Prestige Mastercard® Secured Credit Card

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First Progress Platinum Prestige Mastercard® Secured Synovus Bank

Annual fee:

$49 annually

Regular APR:

14.24% Variable

Our Rating:

3.8

Credit score

No Credit History to Fair (0-669)

Rewards Rate:
- 1% Cash Back rewards on payments.

Issuer name:
Synovus Bank
Details:
The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.
The Card earns 1% Cash Back rewards on payments.
The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 14.24% (Variable for purchases), 23.24% (Variable for cash advances).
Read full review

Pros:
- Low APR for Purchases
- No Minimum Credit Score Required
- Reports to Three Major Credit Bureaus
- Suitable Range of Credit Limit
Cons:
- High Annual Fee
- High Transaction Fees on Cash Advance
- High Penalty Fees
- Foreign Transaction Fees

Benefits:
- Earn 1% Cash Back Rewards with First Progress Prestige;
- Apply now and fund your security deposit over 90 days with the option to make partial payments;
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today;
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.
- All credit types welcome to apply;
- Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

View all First Progress Platinum Prestige Mastercard® Secured details

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On First Progress’s site

Card detail

First Progress Platinum Select Mastercard® Secured Credit Card

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First Progress Platinum Select Mastercard® Secured Synovus Bank

Annual fee:

$39 annually

Regular APR:

18.24% Variable

Our Rating:

3.5

Credit score

No Credit History to Fair (0-669)

Rewards Rate:
- 1% Cash Back on payments made to your First Progress Secured credit card account.

Issuer name:
Synovus Bank
Details:
The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.
The First Progress Platinum Select MasterCard® Secured Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.
The card's APR: 18.24% (Variable for Purchases), 24.24% (Variable for Cash Advances).
The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.
Read full review

Pros:
- No credit history required
- No Minimum Credit Score needed
- Low Annual Percentage Rates
Cons:
- Annual Fee
- Foreign Transaction Fee

Benefits:
- Get a First Progress Select Card and Earn 1% Cash Back Rewards;
- Secure your credit line with your refundable security deposit – choose from $200 - $2,000 - with the ability to increase up to $5,000 over time;
- Choose the First Progress Select Card for a lower annual fee;
- All credit types welcome to apply;
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion;
- Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

View all First Progress Platinum Select Mastercard® Secured details

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On First Progress’s site

Card detail

The Bank of Missouri Destiny® Mastercard® best for Unsecured

The Bank of Missouri Destiny® Mastercard®

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Destiny® Mastercard® The Bank of Missouri

Annual fee:

*see terms*

Regular APR:

35.9%

Our Rating:

1.47

Credit score

No Credit History to Fair (0-669)

Issuer name:
The Bank of Missouri
Details:
The Destiny® Mastercard® is a good credit card for people with poor or no credit.
The Destiny® Mastercard® charges a high Regular APR of 35.90% and does not provide any intro APR offer.

Pros:
- No monthly fees
- Prior bankruptcies are acceptable
- Liability protection
- No security deposit required
Cons:
- No reward
- High-interest rates
- No mobile app
- Credit limit

Benefits:
- Mastercard® benefits;
- Fraud protection;
- Reports to all three major credit bureaus.

View all Destiny® Mastercard® details

Apply now

On The Bank of Missouri‘s site

Card detail

Group One Platinum

Annual fee:

$177.24 annually ($14.77 per month)

Regular APR:

None

Our Rating:

3.1

Credit score

No Credit History to Poor (0-579)

Details:
The Group One Platinum Card is ideal for people with less than perfect credit or no credit. The card comes with a $750 unsecured credit limit (usable only at the HorizonOutlet.com).
The Group One Platinum Card costs $14.77 monthly ($177.24 annually).

Pros:
- Fast and Easy Application
- No Employment or Credit Check
Cons:
- Membership Fee

Benefits:
- $750 Merchandise Credit Line*;
- Exclusive Member Benefits.

View all Group One Platinum details

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Card detail

Stride Bank Chime Credit Builder Visa® Secured

Chime Credit Builder Visa® Secured Stride Bank

Annual fee:

Regular APR:

None

Our Rating:

3.7

Credit score

No Credit History to Fair (0-669)

Issuer name:
Stride Bank
Details:
The Chime Credit Builder Visa® is a secured credit card.
The card does not charge an interest rate or fees.
You'll need to open a Chime Spending Account with a $200 qualifying direct deposit before applying for this card.

Pros:
- No Annual Fee
- No Foreign Transaction Fee
- No credit check
- No APR
Cons:
- No rewards

Benefits:
- No credit checks;
- No minimum security deposit;
- Reports to all 3 major credit bureaus.

View all Chime Credit Builder Visa® Secured details

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Card detail

The Bank of Missouri Fortiva® Mastercard®

Fortiva® Mastercard® The Bank of Missouri

Annual fee:

$49 - $175 for the first year
$0 - $49 thereafter

Regular APR:

22.74% - 36.00%

Our Rating:

1.92

Credit score

No Credit History to Fair (0-669)

Balance Transfer APR:
25.74% - 36.00%

Issuer name:
The Bank of Missouri
Details:
The Fortiva® Mastercard® is an unsecured credit card for people with poor or no credit.
The Card's annual fee: $49 - $175 for the first year, $0 - $49 thereafter.
The Fortiva® Mastercard® has a high interest rate of 22.74% - 36.00% (Regular APR).
The Fortiva® Mastercard® reports to all three credit bureaus, which can help you quickly boost your credit score.

Pros:
- No security deposit required
- Simple and Secure Application
- Instant credit decision
Cons:
- Annual Fee
- Foreign Transaction Fee
- High APR
- Extra Fees

Benefits:
- $0 Fraud Liability;
- Free Credit Score;
- Payment history reported to all three major bureaus.

View all Fortiva® Mastercard® details

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Card detail

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