For those with limited or no credit history, getting a credit card might seem intimidating. However, the good news is that instant approval credit cards are available, even for those with poor credit. These cards not only provide access to funds but also present a valuable opportunity to build or rebuild your credit score. If you’re eager to experience the many benefits a credit card offers, consider these top instant approval credit cards in 2025!

What Makes Instant Approval Cards Great?

For individuals looking to secure a credit card quickly, many credit card issuers provide expedited services. Whether you prefer a quick and easy application process or need immediate access to your new account, this guide highlights the best instant approval credit cards available in 2025.

Perks to Consider When Choosing a Credit Card

Before diving into the fastest and most straightforward options, it’s important to consider the appealing perks many credit cards offer. Card issuers often attract new customers with special promotions, including:

• Sign-up bonuseslike cash-back rewards or points
• 0% introductory APRoffers
• Waived annual fees
• Flexible payment options
• Rewards programsfor accumulating points or cash-back

These rewards can significantly enhance your credit card experience, making them worth considering as you explore your options.

Best Instant Approval Credit Cards in 2025

1. OpenSky Secured Visa Credit Card

• Credit Score:N/A
• APR:21.64%
• Approval Process:No credit check, completed in minutes

The OpenSky Secured Visa Credit Card is ideal for individuals looking to build credit, especially those with poor or no credit history. It requires an upfront deposit that determines your credit limit (from $200 to $3,000). The card is quick to apply for, but it does come with a $35 annual fee and lacks rewards.

2. Capital One Walmart Rewards Card

• Credit Score:Fair (650 – 699)
• APR:17.99% – 28.99%
• Approval Process:Instant eligibility check with no impact on your credit score

Perfect for frequent Walmart shoppers, this card offers 5% cash back for purchases at Walmart stores during the first year, and continues with 5% cash back on Walmart.com and the Walmart app. It also offers 2% cash back on dining and travel. There’s no annual fee, though interest rates can be high, and it doesn’t come with an introductory APR offer.

3. American Express Blue Cash Preferred Card

• Credit Score:Good (700 – 749)
• APR:18.49% – 29.49%
• Approval Process:Instant eligibility check with no effect on your credit score

The American Express Blue Cash Preferred Card is a great option for grocery shoppers. It offers a 0% APR for the first 12 months, a $250 cash back bonus when spending $3,000 in the first six months, and generous cash-back rates on groceries, transit, and streaming subscriptions. There’s a $95 annual fee to consider.

4. Chase Sapphire Preferred Card

• Credit Score:Good to Excellent (700 – 850)
• APR:20.24% – 27.24%
• Approval Process:Fast approval for individuals with excellent credit

For travel enthusiasts, the Chase Sapphire Preferred Card is a popular choice. You’ll earn 60,000 bonus points (worth $750 in travel expenses) after spending $4,000 within the first three months. Points are also earned for dining, groceries, and travel purchases. After approval, you can immediately add the card to your digital wallet for use. The card comes with a $95 annual fee.

What Does "Instant Approval" Mean?

It’s important to note that “instant approval” can refer to different stages in the application process. Some cards may offer instant approval, while others provide immediate access to your account once you’re approved. The approval process can range from just a few minutes to as long as 60 days. It’s vital to understand the specifics of each card’s approval process so you can select the one that best aligns with your needs.