Single mom, Without SSN
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Best Instant Approval Credit Cards of December 2022

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Best Credit Cards for Instant Approval in December 2022

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

Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.44
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    28.49% 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 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.

  • 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
Apply now
On Capital One‘s site
Card detail

The Bank of Missouri FIT® Platinum Mastercard® best for Unsecured

FIT® Platinum Mastercard® The Bank of Missouri
Annual fee:
$99 annually
Regular APR:
29.99% 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 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.

      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 The Bank of Missouri‘s site
    Card detail
    The Mission Lane Visa® Mission Lane LLC
    Annual fee:
    $0 - $59
    Regular APR:
    26.99% - 29.99% Variable
    Our Rating:
    3.05
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        Transportation Alliance Bank
      • Details:

        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.

        Read full review

      • Pros:
        • Higher credit lines
        • Reports to the three major credit bureaus
        • Instant credit decision
      • Cons:
        • High variable purchase APR
        • Annual fees up to $59
        • No rewards
        • Foreign transaction fee
        • Not available to everyone
      • Benefits:
        • Clear pricing & no hidden fees;
        • Higher credit lines over time;
        • The tools to help build your credit;
        • Credit-building education;
        • Instant credit decision;
        • All the coverage of Visa®.
      View all The Mission Lane Visa® details
      Apply now
      On Transportation Alliance Bank‘s site
      Card detail

      Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

      Celtic Bank Surge® Platinum Mastercard®
      Annual fee:
      $75 - $99 annually
      $99 annually
      Regular APR:
      24.99% - 29.99% 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 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.

          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
        Merit Platinum
        Annual fee:
        See website for details*
        Regular APR:
        None
        Our Rating:
        3.8
        scorer
        Credit score
        No Credit History to Poor (0-579)
          • Details:

            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*.

            Read full review

          • Pros:
            • Fast and Easy Application
          • Cons:
            • Valid at the Horizon Outlet store
          • Benefits:
            • $750 Merchandise Credit Line*;
            • No Employment or Credit Check.
          View all Merit Platinum details
          Apply now
          On Meritplatinum‘s website
          Card detail
          First Access Visa® The Bank of Missouri
          Annual fee:
          $75 annual fee for first year
          $48 annually
          Regular APR:
          34.99%
          Our Rating:
          4.2
          scorer
          Credit score
          No Credit History to Fair (0-669)
            • Issuer name:
              The Bank of Missouri
            • Details:

              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.

              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
              • No rewards
            • Benefits:
              • 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

            Reflex® Platinum Mastercard®​ Celtic Bank
            Annual fee:
            $75 - $99 for the first year
            $99 after the first year
            Regular APR:
            24.99% - 29.99% 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 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).

                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
              Total Visa® The Bank of Missouri
              Annual fee:
              $164 for first year (including one-time program fee of $89)
              $48 annually *
              Regular APR:
              34.99% *
              Our Rating:
              3.32
              scorer
              Credit score
              Rebuilding Credit to Fair (0-669)
                • Issuer name:
                  The Bank of Missouri
                • Details:

                  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.

                  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® Unsecured details
                Apply now
                On the Total Visa® Card secure website
                Card detail
                Synovus Bank The First Latitude Platinum Mastercard® Secured Credit Card
                Annual fee:
                $25 for the first year;
                after that $35.00 annually
                Regular APR:
                22.99% Variable
                Our Rating:
                1.16
                scorer
                Credit score
                No Credit History to Poor (0-579)
                  • Issuer name:
                    Synovus Bank
                  • Details:

                    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.

                    Read full review

                  • Pros:
                    • Available to people with limited credit history
                  • Cons:
                    • Foreign Transaction Fee
                    • Balance transfers are not available
                  • Benefits:
                    • Choose a Credit Line Secured by Your Fully Refundable Deposit - from $100 to $2,000;
                    • Reports Monthly to All 3 Consumer Credit Bureaus to Establish Credit History;
                    • Quick and Easy Online Application.
                  View all First Latitude Platinum Mastercard® Secured details
                  Apply now
                  On Synovus Bank‘s site
                  Card detail

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

                  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
                    First Progress Platinum Prestige Mastercard® Secured Synovus Bank
                    Annual fee:
                    $49 annually
                    Regular APR:
                    13.74% Variable
                    Our Rating:
                    3.8
                    scorer
                    Credit score
                    No Credit History to Fair (0-669)
                      • 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 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.

                        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
                        • No Bonuses or Rewards
                        • Foreign Transaction Fees
                        • Unavailability of Card for Certain Geographies in the US
                      • Benefits:
                        • 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
                      First Progress Platinum Elite Mastercard® Secured Synovus Bank
                      Annual fee:
                      $29 annually
                      Regular APR:
                      23.74% Variable
                      Our Rating:
                      3.3
                      scorer
                      Credit score
                      No Credit History to Fair (0-669)
                        • Issuer name:
                          Synovus Bank
                        • Details:

                          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.

                          Read full review

                        • Pros:
                          • No credit history required
                          • No Minimum Credit Score needed
                          • Low Annual Percentage Rates
                          • It builds your Credit Score
                        • Cons:
                          • No option to graduate to an unsecured credit card
                          • Credit limit is equal to your deposit amount
                          • There is no Rewards program
                          • There are some area restrictions
                        • Benefits:
                          • No Minimum Credit Score;
                          • No Credit History Required;
                          • Accepted Nationwide.
                        View all First Progress Platinum Elite Mastercard® Secured details
                        Apply now
                        On First Progress’s site
                        Card detail
                        Unique Platinum
                        Annual fee:
                        See website for details*
                        Regular APR:
                        0.00% Regular
                        Our Rating:
                        3.1
                        scorer
                        Credit score
                        No Credit History to Poor (0-579)
                        • Rewards Rate:
                          • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
                        • Details:

                          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.

                          Read full review

                        • Pros:
                          • Unsecured credit line
                          • Instant approval
                        • Cons:
                          • Valid only at My Unique Outlet
                          • Minimum monthly payment
                        • Benefits:
                          • $1000 Credit Line;
                          • $25 in Reward Dollars;
                          • No Monthly Fee.
                        View all Unique Platinum details
                        Apply now
                        On Uniquecardservices‘s website
                        Card detail
                        Accepted Platinum
                        Annual fee:
                        See website for details*
                        Regular APR:
                        None
                        Our Rating:
                        4
                        scorer
                        Credit score
                        No Credit History to Poor (0-579)
                        • Purchase Intro APR:
                          0% Introductory APR
                        • Details:

                          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.

                          Read full review

                        • Pros:
                          • No APR charged
                        • Cons:
                          • No rewards
                          • Limited use
                        • Benefits:
                          • $1,000.00 Credit Line;
                          • No Credit Checks;
                          • 24/7 Roadside Assistance;
                          • $14.95 Monthly Payments.
                        View all Accepted Platinum details
                        Apply now
                        On Acceptedplatinum‘s website
                        Card detail
                        Surge® Platinum Secured Mastercard® Celtic Bank
                        Annual fee:
                        $69 annually
                        Regular APR:
                        19.99% Variable
                        Our Rating:
                        3.3
                        scorer
                        Credit score
                        No Credit History to Poor (0-579)
                        • Rewards Rate:
                          • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                        • Issuer name:
                          Celtic Bank
                        • Details:

                          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%.

                          Read full review

                        • Pros:
                          • Cash Back rewards
                          • Free automatic account reviews for credit limit increases
                        • Cons:
                          • Annual Fee
                          • Foreign Transaction Fee
                          • No welcome bonus
                          • No Intro APR offer
                        • Benefits:
                          • 1% Cash Back Rewards;
                          • Potential Credit Limit Increase;
                          • Report to All 3 Major Credit Bureaus.
                        View all Surge® Platinum Secured Mastercard® details
                        Apply now
                        On Celtic Bank‘s site
                        Card detail
                        First Progress Platinum Select Mastercard® Secured Synovus Bank
                        Annual fee:
                        $39 annually
                        Regular APR:
                        17.74% Variable
                        Our Rating:
                        3.5
                        scorer
                        Credit score
                        No Credit History to Fair (0-669)
                          • 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 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%.

                            Read full review

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