f you’ve had a last-minute expense and needed extra money fast, you’ve probably realized that applying for — and getting — a standard credit card can take awhile. Even after your application is accepted, you still need to wait for the card to arrive in the mail. Instant approval credit cards can save you considerable time. And some companies even provide you with the credit card number and charging privileges as soon as you’re approved.
It’s important to do your research before you apply to make sure. The following credit cards were selected based on speed of approval, card features, low fees and the types of credit profiles most likely to get approved.
Best instant approval credit card overall
Upgrade Triple Cash Rewards Visa®
Reward rates: Get 3% on home, health and auto categories, 1% on all other purchases
Annual fee: $0
New member bonus: N/A
Bonus redemption threshold: N/A
Credit requirement: Fair or better
Intro APR: N/A
APR for purchases: 8.99% – 29.99% variable
APR for balance transfers: N/A
Balance transfer fee: N/A
If you need a card right away for an upcoming expense, the Upgrade Triple Cash Rewards Visa* is available to use as soon as you’re approved. For the ultimate flexibility, this card is a combination of credit card and line of credit to cover unexpected expenses, with monthly payments deducted automatically from your bank account. Plus, you’ll earn cash back as you go. Once you’re approved, all you need to do is sign into your Upgrade account to find your virtual card number. You can use the number for online purchases until your physical card arrives by mail…Read more>>