Best Instant Approval Credit Cards of December 2022

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 28.49% (Variable).

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.

The FIT® Platinum Mastercard® Credit Card helps to rebuild or build your credit.

The FIT® Platinum Mastercard® Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (one-time fee).

The FIT® Platinum Mastercard® Credit Card with 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.

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The Mission Lane Visa® Credit Card helps to rebuild or build your credit. The card's APR for purchases: 26.99% to 29.99% (Variable). This card reports to the three major credit bureaus and offers educational resources on spending, saving, and best credit practices.

The annual fee for this card is $0 – $59.

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The Surge® Platinum Mastercard® credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

The Surge® Platinum Mastercard® has an annual fee of $75 to $99 (after that $99 annually).

Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

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.

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The Merit Platinum Card is an online shopping card for people with bad credit or no credit.

The card provides you with a merchandise credit line of $750*.

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The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

The First Access Visa Card's APR: 34.99%.

The First Access Visa Credit Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

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The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 24.99% - 29.99% (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.

Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

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The Total Visa® сard is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply. But the card doesn’t offer rewards.

The Total Visa® сard's Regular APR is 34.99%. There is a one-time $89 program fee.

The Total Visa® сard allows you to choose your own card design.

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The Synovus Bank First Latitude Platinum Mastercard® Secured Credit Card is a full-feature Platinum Mastercard® with a credit line based on a security deposit rather than on a credit score.

The First Latitude Platinum Mastercard® Secured charges an annual fee of $25 for the first year; after that $35 annually. The APR for Purchases is 22.99% (27.99% for cash advances). These APRs will vary with the market based on the Prime Rate.

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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.

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The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

The First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 13.74% (Variable for purchases), 22.74% (Variable for cash advances).

First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

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The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

As a secured credit card, the First Progress Platinum Elite Mastercard® doesn’t come with any welcome offers, sign-up bonuses or reward rates.

As a Mastercard®-branded credit option, this First Progress card is accepted nationwide.

The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

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The Unique Platinum Card is a good option for people with bad credit or no credit.

With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month.

The Unique Platinum Card has an annual fee of $269.35 (in the first year), $239.4 (thereafter).

The card is valid only at My Unique Outlet.

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The Accepted Platinum Card is a special card for online shopping. With the Card you’ll get $25 in Reward Dollars every month.

The Card offers fast, trackable and reliable roadside service.

The Initial cost of membership in the Unique Card Services shopping club is $29.95. The continuing cost is $19.95 per months. The card's NSF check fee is $30 (fee for returned checks or debits, second NSF).

The card's minimum monthly payment is 15% (of the account balance owed) or $25.00.

The Accepted Platinum Card has no penalties for prepayment.

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The Surge® Platinum Secured Mastercard® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

The card's APR: 19.99% (Variable).

The Surge® Platinum Secured Mastercard® has an annual fee of $69. There’s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

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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 doesn’t come with any welcome offers, sign-up bonuses or reward rates.

The card's APR: 17.74% (Variable for Purchases), 23.74% (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%.

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