Single mom, Without SSN
Learn more
on our partner’s site

Best Instant Approval Credit Cards of October 2024

Compare instant approval credit cards on Myfin.us.

Best Credit Cards for Instant Approval in October 2024

Hide all
Show all

Capital One Platinum Secured Credit Card best for Single mom, Without SSN

Learn more
Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
29.99% Variable
Our Rating:
2.39
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.

    The card's APR is 29.99% (Variable). Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

    You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.

    The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.

    Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

  • Pros:
    • Low initial deposit amount of $49, $99, or $200
    • You can increase the credit line up to $1000
    • No annual fee
    • Automatic credit line reviews
    • Credit building
  • Cons:
    • High APR
    • Low credit limit
    • No rewards program
  • Benefits:
    • $0 Fraud Liability;
    • Refundable Deposit;
    • Capital One CreditWise;
    • Eno®, your Capital One assistant;
    • Virtual Card Numbers from Eno;
    • Emergency Card Replacement;
    • ATM Location Services;
    • MasterRental Coverage;
    • 24/7 Customer Service.
View all Platinum Secured Mastercard® details
Learn more
on our partner’s site
Card detail

FIT™ Platinum Mastercard® best for Unsecured

Apply now
FIT™ Platinum Mastercard® The Bank of Missouri
Annual fee:
See terms
Regular APR:
35.90% Variable
Our Rating:
3.9
scorer
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:
      • Credit may increase with time
      • Low eligibility requirements
      • Reasonable credit limit
      • No Security deposit
      • Credit Score Access
    • Cons:
      • High extra fees
      • High APR
      • Foreign Transaction Fee
      • No reward program
      • No Sign up Bonus
    • Benefits:
      • $0 Fraud Liability;
      • Initial Credit Limit of $400;
      • Potential Credit Limit Increase After Just 6 Months;
      • Free Monthly Credit Score;
      • Reports to All Three Major Credit Bureaus.
    View all FIT™ Platinum Mastercard® details
    Apply now
    On Continental Finance site
    Card detail

    Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

    Apply now
    Celtic Bank Surge® Platinum Mastercard®
    Annual fee:
    $75 - $99 annually
    $99 annually
    Regular APR:
    35.90% Variable
    Our Rating:
    3.2
    scorer
    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%.

        The monthly maintenance fee is $0 for the first year, then $150 thereafter, billed $12.50 per month (Credit Limit of $750 or $1,000: no fee).

        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
        • Potential Credit Limit Increase After 6 Months
        • 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:
        • $0 Fraud Liability;
        • Monthly reporting to the three major credit bureaus;
        • Possible credit limit increase after just six months;
        • Free Monthly Credit Score.
      View all Surge® Platinum Mastercard® details
      Apply now
      On Celtic Bank‘s site
      Card detail

      First Access Visa® Card best for Low income

      Apply now
      First Access Visa® The Bank of Missouri
      Annual fee:
      $75.00 for the 1st year, $48.00 after
      Regular APR:
      35.99%
      Our Rating:
      4.2
      scorer
      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
      Apply now
      On the First Access Visa® Card secure website
      Card detail

      Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

      Apply now
      Reflex® Platinum Mastercard®​ Celtic Bank
      Annual fee:
      $75 for the first year
      $125 after the first year
      Regular APR:
      35.90% Variable
      Our Rating:
      3.8
      scorer
      Credit score
      No Credit History to Good (0-739)
        • Issuer name:
          Celtic Bank
        • Details:

          The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 35.90% (Variable).

          With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

          The monthly maintenance fee (from the 2nd year) is $0 for the first year, then $150 thereafter, billed $12.50 per month (Credit Limit of $750 or $1,000: no fee).

          Read full review

        • Pros:
          • Chance to get a higher credit limit
          • All credit scores are welcome to apply
          • Reports to three bureaus
          • Check if you prequalify without affecting your credit score
          • No deposit required
        • Cons:
          • No rewards
          • High Regular APR
          • High annual fee
          • Monthly maintenance fee
          • Additional card fee
          • Foreign transaction fee
        • Benefits:
          • $0 Fraud Liability;
          • Potential Credit Limit Increase After Just 6 Months;
          • Free Monthly Credit Score;
          • Monthly Reporting to All Three Major Credit Bureaus;
          • Credit Protection program.
        View all Reflex® Platinum Mastercard® details
        Apply now
        On Celtic Bank‘s site
        Card detail
        Apply now
        Total Visa® Card The Bank of Missouri
        Annual fee:
        $75.00 for the 1st year, $48.00 after
        Regular APR:
        35.99% *
        Our Rating:
        3.32
        scorer
        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
        Apply now
        On the Total Visa® Card secure website
        Card detail

        Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

        Apply now
        Gold Preferred® Secured Visa® Applied Bank
        Annual fee:
        $48 annually
        Regular APR:
        9.99% Fixed
        Our Rating:
        4.23
        scorer
        Credit score
        No Credit History to Poor (0-579)
          • Issuer name:
            Applied Bank®
          • Details:

            The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

            The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

            Read full review

          • Pros:
            • Extremely low regular APR
            • No penalty rate
            • Guaranteed approval
            • Increase your credit limit
          • Cons:
            • No rewards system
            • A lot of fees
            • Can’t upgrade to an unsecured credit card
            • No grace period
          • Benefits:
            • Reports to All Three National Credit Bureaus;
            • Zero Fraud Liability;
            • Refundable Security Deposit;
            • Global acceptance;
            • Emergency card replacement and cash disbursement.
          View all Secured Visa® Gold Preferred® Credit Card details
          Apply now
          On Applied Bank®‘s site
          Card detail
          Apply now
          First Progress Platinum Prestige Mastercard® Secured Synovus Bank
          Annual fee:
          $49 annually
          Regular APR:
          14.74% Variable
          Our Rating:
          3.8
          scorer
          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: 14.74% (Variable for purchases), 23.74% (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:
            • 1% Cash Back rewards on payments;
            • Accepted Nationwide;
            • No Minimum Credit Score;
            • No Credit History Required.
          View all First Progress Platinum Prestige Mastercard® Secured details
          Apply now
          On First Progress’s site
          Card detail
          Apply now
          First Progress Platinum Select Mastercard® Secured Synovus Bank
          Annual fee:
          $39 annually
          Regular APR:
          18.74% Variable
          Our Rating:
          3.5
          scorer
          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: 18.74% (Variable for Purchases), 24.74% (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:
            • 1% Cash Back on payments made to your First Progress Secured credit card account;
            • Accepted Nationwide;
            • No Minimum Credit Score;
            • No Credit History Required.
          View all First Progress Platinum Select Mastercard® Secured details
          Apply now
          On First Progress’s site
          Card detail

          First Electronic Bank Destiny® Mastercard® best for Unsecured

          Apply now
          Destiny® Mastercard® First Electronic Bank
          Annual fee:
          *see terms*
          Regular APR:
          35.90%
          Our Rating:
          1.47
          scorer
          Credit score
          No Credit History to Fair (0-669)
            • Issuer name:
              First Electronic Bank
            • 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.

              The card charges an annual fee of $75 for the first year ($99 thereafter).

            • 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 First Electronic Bank‘s site
            Card detail