What Are Some Credit Cards That Offer Online Approval?


Quick Answer

Some credit cards that offer online approval are OpenSky Secured Visa, Horizon Gold Card, UNITY Visa and Pink Ace Elite Visa prepaid card, as noted by CreditCards.com. Instant approvals online are typically conditional upon a more thorough credit history check.

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Full Answer

Instant approval credit cards are cards that allow customers to apply online and receive a preliminary credit decision, notes Discover. Approvals are typically conditional upon additional information, including a thorough credit history check, credit score, income and prior card usage, among other factors. A high credit score is typically the determining factor in instant decisions, but several card types are available for low or no credit, including secure and prepaid options.

The OpenSky Secured Visa credit card is offered through Capital Bank, and it requires a security deposit upon approval to issue the card. The full Cardholder Agreement is available on the card's application page. The Horizon Gold Card offers an unsecured credit limit, and cardholders pay a membership fee. Applicants can apply at the Horizon Gold website.

The UNITY Visa offered by OneUnited is a secured credit card that requires an initial security deposit to receive a line of credit. Customers can also manage their accounts online. The Pink Ace Elite Visa is a prepaid card offered through Ace Cash Express. The card features a monthly fee, and customers can access their accounts through mobile access.

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