Navigating the credit card application process can be challenging, especially if you're starting with no credit history or have poor credit. However, there are credit card options available that don’t require a credit check, making it easier to establish or rebuild your credit. If you're looking to take advantage of the many benefits a credit card offers, check out these instant approval credit card options for 2025!

For those seeking quick approval with minimal effort, several credit card issuers offer fast-track services. Whether you're hoping for a smooth application process or immediate access to your card number upon approval, this guide introduces the best instant approval credit cards to consider in 2025.

Key Perks to Look Out For

Before diving into the best options for instant approval, it's important to understand the benefits that many credit cards come with. Issuers often entice potential cardholders with exclusive offers, such as sign-up bonuses, cash-back rewards, or bonus points for timely usage. Some cards offer enticing features like 0% introductory APR, flexible payment plans, or waived annual fees. Additionally, rewards programs that offer cash back or points can add extra value. Keep these appealing perks in mind as you compare options.

OpenSky Secured Visa Credit Card

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

Designed for individuals with poor credit, the OpenSky Secured Visa Credit Card requires an upfront deposit, which determines your credit limit (ranging from $200 to $3,000). While this card doesn't offer rewards, it’s an excellent option for building credit. The approval process is quick, but keep in mind there’s a $35 annual fee.

Capital One Walmart Rewards Card

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

Ideal for regular Walmart shoppers, the Capital One Walmart Rewards Card offers 5% cash back on Walmart purchases (in-store and online) for the first year, plus 2% on dining and travel. There's no annual fee, though the APR is on the higher side, and there is no introductory APR offer.

American Express Blue Cash Preferred Card

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

This card is perfect for grocery shoppers, offering a 0% APR for the first 12 months and a $250 welcome bonus after spending $3,000 in the first 6 months. You’ll earn cash back on transit, streaming services, and U.S. supermarket purchases. However, it does have a $95 annual fee.

Chase Sapphire Preferred Card

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

The Chase Sapphire Preferred Card offers an impressive 60,000 bonus points (worth $750 in travel rewards) when you spend $4,000 in the first three months. You'll also earn points on dining, groceries, and travel purchases. Once approved, you can add your card to a digital wallet for immediate use. There’s a $95 annual fee.

Understanding Instant Approval

It’s important to remember that "instant approval" doesn’t always mean instant approval in the traditional sense. Some cards offer quick approval decisions, while others provide immediate access to your card number once you’re approved. The actual approval timeline can vary from a few minutes to several days. It’s essential to research thoroughly to find the right instant approval credit card for your needs, whether you're looking to build your credit, make a large purchase, or enjoy promotional rewards.