FIT™ Platinum Mastercard®Limited offer

Unsecured

Apply now

On Continental Finance site

Best Instant Approval Credit Cards of March 2025

Compare instant approval credit cards on Myfin.us.

Updated March 21, 2025

Advertiser Disclosure Our Methodology

FIT™ Platinum Mastercard®

See terms

Annual Fee

35.90%

Regular APR

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

Apply now

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.

Apply now

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.

Apply now

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.

Apply now

On the Total Visa® Card secure website

Best pick for...

Best Credit Cards for Instant Approval in March 2025

Hide all

Btn

Show all

FIT™ Platinum Mastercard® best for Unsecured

FIT™ Platinum Mastercard®

Apply now

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
- Credit Score Access
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;
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements);
- 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

Apply now

On Continental Finance site

Card detail

Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

Celtic Bank Surge® Platinum Mastercard®

Apply now

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;
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements);
- 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

Apply now

On Celtic Bank‘s site

Card detail

First Access Visa® Card best for Low income

First Access Visa® Card

Apply now

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

Apply now

On the First Access Visa® Card secure website

Card detail

Total Visa® Card

Apply now

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

Apply now

On the Total Visa® Card secure website

Card detail

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

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Apply now

Gold Preferred® Secured Visa® Applied Bank

Annual fee:

$48 annually

Regular APR:

9.99% Fixed

Our Rating:

4.23

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 Credit Card

Apply now

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:
- Have you Received your Tax Refund? Apply for First Progress today to Take Charge of your Financial Goals;
- 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

Apply now

On First Progress’s site

Card detail

First Progress Platinum Select Mastercard® Secured Credit Card

Apply now

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:
- Have you Received your Tax Refund? Apply for First Progress today to Take Charge of your Financial Goals;
- 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

Apply now

On First Progress’s site

Card detail

First Electronic Bank Destiny® Mastercard® best for Unsecured

First Electronic Bank Destiny® Mastercard®

Apply now

Destiny® Mastercard® First Electronic Bank

Annual fee:

*see terms*

Regular APR:

35.9%

Our Rating:

1.47

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.

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

Lead Bank Self Visa® best for No history

Lead Bank Self Visa®

Annual fee:

$25 annually

Regular APR:

26.99% Variable

Our Rating:

Credit score

No Credit History to Poor (0-579)

Issuer name:
Lead Bank
Details:
The Self Visa® Credit Card can help you build credit without putting down a big security deposit.
The card has an annual fee of $25.
Your card can be used everywhere Visa credit cards are accepted in the U.S. Accounts in good standing may have opportunities to increase the credit limit over time.

Pros:
- Build deposit over time while earning interest
- Set your credit limit
- Low fees
Cons:
- No immediate access to credit
- $25 annual fee

Benefits:
- Your next tool for building credit;
- No additional money up front;
- Increase your credit limit.

View all Self Visa® details

Learn more

Card detail

Cross River Bank Divvy Credit Builder

Annual fee:

Regular APR:

None

Our Rating:

1.88

Credit score

No Credit History to Poor (0-579)

Rewards Rate:
- 2x - 7x:
- Points on restaurants.
- 2x - 5x:
- Points on hotels.
- 1.5x - 2x:
- Points on recurring software subscriptions.
- 1x - 1.5x:
- Points on everything else.

Issuer name:
Cross River Bank
Details:
Use Credit Builder to grow your credit and build your way up to an unsecured credit line with Divvy.
The Divvy Credit Builder Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.
Points can be redeemed for travel, gift cards, statement credits or cash back.

Pros:
- Easy online application
- Rewards
- No fees
Cons:
- No sign-up bonus

Benefits:
- Secure virtual cards;
- Seamless software integration;
- Track spend in real time from anywhere.

View all Divvy Credit Builder details

Learn more

Card detail

Choose your credit card type

Rewards

Travel

Business

Student

Credit Score

Shopping