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10 Best Instant Approval Virtual Credit Card Provider 2020

Credit cards are a must nowadays for shopping anywhere and enjoy many offers and deals with discounts. But getting a credit card requires a lot of paperwork and may need some time for approval. For those who are in a hurry can check out the following instant approval virtual credit card providers with lots of benefits.

For those with a low credit score or low income can’t get a credit card or enough credit limit to shop as they want. So, we will also talk about how you can solve the issue and get instant approval for your virtual credit card. Let’s get started with that and then continue to the details about the providing companies.

How to get instant approval virtual credit card even with a bad credit

Actually, there are no tricks for getting credit cards with a bad credit score, and we are going to help you get a card instantly. It depends on the card providing company and their policies if you are wondering.

From all of the financial institutions that provide credit cards, you will find some that offer a special type of virtual credit card that needs no minimum credit score or deposit, which is difficult to arrange for many people.

The cards that we are going to list below are called unsecured cards, but don’t misunderstand the term. It means that your credit card won’t be backed by cash or anything, and yet you will be able to purchase things almost immediately.

After applying from the respective links, you will get approval within a day or two and start purchasing without having to wait for a physical card. The catch is; however, the card’s interest rates and other charges are higher than the secured cards. So, let’s get to know more about instant approval virtual credit cards and choose the suitable one.

10 Best Instant Approval Virtual Credit Card Provider 2020

Credit cards open the possibility of shopping at your free will, and you can know about these companies for an instant approval virtual credit card.

1. American Express

American Express Go is the name of the card that can give you an instant purchasing power without the hassle of the physical card. This is a smart way to make payments on the go, and the company also offers instant virtual visa gift cards. Now, let’s see the features of the Go credit card that requires no deposit and know how to get it.

Best instant approval virtual credit card provider

Features

  • With only a few clicks, you will be able to set up the card for virtual uses almost immediately.
  • The process for reloading the card is easy, making it convenient for you and your team to work without wasting time waiting for new cards.
  • The app features a time frame and spending graph, giving you greater control over your on-the-go expenditure.
  • This card will allow you to make payments with quick and easy reconciliation of critical data and codes attached to the transaction.
  • It will save you some money by eliminating back-office hassles of processing reimbursements.

How to Get

To get this virtual credit card from American Express, you will only need to give some information in a form and apply it. Follow the official link and read their policies before finally submitting the application form.

You will be charged only $2 for virtual purchases only and $5 for virtual and physical purchases, which are a one-time fee. It will let you purchase anywhere with the payments from American Express. The fees can be changed anytime, and you should expect that before making a decision.

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2. Indigo

Choosing from the card options, it won’t take you more than a minute to go with one and start purchasing online almost instantly. The pre-qualification process of Indigo is very simple and fast, so that you can act quickly. Now, let’s see the features of the Indigo credit card that requires no deposit and know how to get it.

Best instant approval virtual credit card provider

Features

  • Indigo is a great way to get a credit card with quick pre-qualification and no impact on your credit score.
  • If you choose to have a physical card, you can choose a unique design for your card and purchase it with style.
  • It features an app, and you can access your mobile account anytime you want to make it more convenient.
  • The chip card technology of Indigo adds an extra layer of protection from fraud and keeps your money safe at all costs.
  • With an Indigo card, you will get a chance to rebuild your credit score by making payments on time and keep shopping.

How to Get

Getting a MasterCard from Indigo is easy, and you will first have to pre-qualify. After getting approval from the Celtic Bank, you will be able to keep using the credit amount, maintaining the terms and conditions.

If you choose to have credit protection, you will have to pay $1.49 per month for every $100 amount. There are three different annual rates, and the pre-qualification process will determine your eligibility for a particular rate. The fees can be changed anytime, and you should expect that before making a decision.

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3. Milestone

If you are looking for a convenient card that won’t charge you for paying bills, accessing anytime, and help you build your credit score, MILESTONE can put a stop to your search. Now, let’s see the features of the MasterCard that require no deposit and know how to get instant approval virtual credit cards.

Best instant approval virtual credit card provider

Features

  • Getting pre-qualified from MILESTONE won’t affect your credit score, and the process doesn’t take long to complete.
  • If you choose to have a physical card, you can choose a unique design for your card and purchase it with style.
  • The chip card technology of MILESTONE adds an extra layer of protection from fraud and keeps your money safe at all costs.
  • It features an app, and you can access your mobile account anytime you want to make it more convenient.
  • Get a credit card from MILESTONE, and you will be able to enjoy the MasterCard Gold benefits.

How to Get

Getting a MasterCard from MILESTONE is easy, and you will first have to pre-qualify. After getting approval from the Genesis FS Card Services, you will be able to keep using the credit amount, maintaining the terms and conditions.

There are three different annual rates, and the pre-qualification process will determine your eligibility for a particular rate. The fees can be changed anytime, and you should expect that before making a decision.

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4. Fingerhut

Fingerhut can be your choice if you need a card with low monthly payments and lots of benefits. Now, let’s see the features of the credit card that requires no deposit and know how to get an instant virtual credit card.

Best instant approval virtual credit card provider

Features

  • From the online store of Fingerhut, you can get a lot of necessary items that you can buy easily with the credit card.
  • Getting pre-qualified from Fingerhut won’t affect your credit score, and the process doesn’t take long to complete.
  • It features an app, and you can access your mobile account anytime you want to make it more convenient.
  • The chip card technology of Fingerhut adds an extra layer of protection from fraud and keeps your money safe at all costs.
  • Due to the fixed-rate, you won’t have to struggle to adjust to the rate of inflation and market.

How to Get

Fingerhut offers their credit cards with a fixed APR, which is 29.99% that may seem slightly higher than others. It is because of the fixed-rate and other flexible terms that will help you pre-qualify without much hassle.

After getting approval from the WebBank, you will be able to keep using the credit amount, maintaining the terms and conditions. The fees can be changed anytime, and you should expect that before making a decision.

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5.   Applied Bank

Those who couldn’t get a response from other banks for getting a credit card can give it a try at Applied Bank. They offer a VISA card that is usable in most of the places, and now, let’s see the features of the VISA credit card that requires no deposit and know how to get it.

Best instant approval virtual credit card provider

Features

  • This is a real VISA card that reports to the authorities, and it will help rebuild your credit score.
  • Persons with a little credit score or no credit history can’t get a secured card, but this one is secured for those people.
  • After getting approval, you will get a credit limit from $200 to $1000 with a fixed APR of 9.99% so that everyone can afford it.
  • You won’t be charged for any application or processing fee, making it more convenient for everyone.
  • Due to the fixed-rate, you won’t have to struggle to adjust to the rate of inflation and market.

How to Get

Getting a MasterCard from Applied Bank is easy, and you will first have to pre-qualify. After giving some basic information and getting approval from the Bank, you will be able to keep using the credit amount, maintaining the terms and conditions.

The fixed APR rate that is 9.99%, makes the whole package more convenient and affordable for low-income persons who are willing to rebuild their credit score. The fees can be changed anytime, and you should expect that before making a decision.

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6. Surge

Maintaining an instant approval virtual credit card from Surge can be a great opportunity to create a good credit score that will help you take other advantages. By spending under the credit limit and meeting the minimum monthly payments will rebuild your credit score in no time. Now, let’s see the features of its credit card that require no deposit and know how to get it.

Best instant approval virtual credit card provider

Features

  • Surge welcomes all types of credits or no credits, and your score won’t get hurt if you apply for a pre-qualification.
  • You can get the MasterCard fast with an easy application process and use it almost anywhere without any issue.
  • It will give access to your online account anytime you want, and it won’t charge you anything for the service.
  • They won’t charge the maintenance fee or transaction fee for the first 12 months, and the additional fee is only for one-time.
  • The chip card technology of Surge adds an extra layer of protection from fraud and keeps your money safe at all costs.

How to Get

Follow the official link given above and fill out a small form with some of your basic information to pre-qualify. Almost everyone can get pre-qualified and get the approval of a credit limit of $500 initially.

For the first year, you will be charged $125 and $96 from the second year without expending a lot on other charges. Combining all the fees and charges, you won’t have to pay a lot monthly so that you can rebuild your credit score. The fees can be changed anytime, and you should expect that before making a decision.

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7. Fast Access Card

From Fast Access, you can get a true VISA card even if you don’t have a perfect credit score. So, let’s see the features of the VISA credit card that requires no deposit and know how to get instant credit approval online shopping.

Best instant approval virtual credit card provider

Features

  • The monthly payments for the credit card are manageable, and the report goes to the major credit bureaus for your convenience.
  • The payments using this card are accepted throughout the US and by most of the merchants without any question.
  • The online application process is simple and secure that won’t make an impact on your existing credit score.
  • Because of the card’s low annual APR and low monthly payment option, you will be able to rebuild your credit score in no time.
  • There are multiple card designs available so that you can shop in style.

How to Get

Filling the online form, you will be able to get a response within a minute, and it will let you start shopping without much delay. Fast Access gives you the benefits of a VISA card and lets you rebuild your credit rating. It is possible due to their flexible monthly payment policies and low APR rate so that everyone can afford a card.

After getting approval from the Bank of Missouri, you will get a VISA card in no time. The fees can be changed anytime, and you should expect that before making a decision.

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8. Discover

Discover is a top-rated company that is also found in the list of the best student loan refinance companies and the best mortgage lenders for first-time buyer. This credit card providing company offers a lot of options and accepts almost any type of credit. Now, let’s see the features of the Go credit card that requires no deposit and know how to get it.

Best instant approval virtual credit card provider

Features

  • Different card types are offering different benefits, and some come with cashback bonuses that will help you pay the monthly bills.
  • Some offer 0% APR in the first several months, making it more affordable and convenient for a lot of people.
  • After shopping for a year and earning the cashback amounts, your fees will be adjusted with the earned amount.
  • The online application process is simple and secure that won’t make an impact on your existing credit score.
  • Because of the card’s low annual APR and low monthly payment option, you will be able to rebuild your credit score in no time.

How to Get

Filling the online form, you will be able to get a response within a minute, and it will let you start shopping without much delay. Discover gives you the benefits of its card and lets you rebuild your credit rating.

It is possible due to their flexible monthly payment policies and low APR rate so that everyone can afford a card. After getting approval from the Bank, you will get a credit card in no time. The fees can be changed anytime, and you should expect that before making a decision.

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9. OpenSky

We couldn’t find another company offering credit cards without checking your credit at all. With a minimum deposit of $200 to a maximum of $3000, you can get a credit card for reconstructing your credit score. Now, let’s see the features of the VISA credit card that requires no deposit and know how to get instant approval virtual credit card from OpenSky.

Best instant approval virtual credit card provider

Features

  • There are no credit checks required to get a card from OpenSky, and it also doesn’t impact your credit rating while applying.
  • The online application process is very simple, and it won’t take more than 5 minutes of your time.
  • For making it more convenient and affordable, the company lets you choose your preferred credit line.
  • Because of the card’s low annual APR and low monthly payment option, you will be able to rebuild your credit score in no time.
  • The payments using this card are accepted throughout the US and by most of the merchants without any question.

How to Get

Clicking on the official link given above, you will see five stages where you will need to put some important information. The steps may seem a bit lengthy, but it will help you eliminate the post-application hassle.

After getting quick approval, you will be able to use the card almost instantly and enjoy the benefits of a true VISA card. The fees can be changed anytime, and you should expect that before making a decision.

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10. FIT MasterCard

The last one is the FIT MasterCard that can give you an instant credit card approval online without much hassle or paperwork. Now, let’s see the features of the MasterCard that require no deposit and know how to get it.

Best instant approval virtual credit card provider

Features

  • FIT welcomes all types of credits or no credits, and your score won’t get hurt if you apply for a pre-qualification.
  • You can get the MasterCard fast with an easy application process and use it almost anywhere without any issue.
  • It will give access to your online account anytime you want, and it won’t charge you anything for the service.
  • They won’t charge the maintenance fee or transaction fee for the first 12 months, and the additional fee is only for one-time.
  • The chip card technology of FIT MasterCard adds an extra layer of protection from fraud and keeps your money safe at all costs.

How to Get

Follow the official link given above and fill out a small form with some of your basic information to pre-qualify. Almost everyone can get pre-qualified and get the approval of a credit limit of $400 initially.

For the annual payment, you will be charged $99 without expending a lot on other charges. Combining all the fees and charges, you won’t have to pay a lot monthly so that you can rebuild your credit score. The fees can be changed anytime, and you should expect that before making a decision.

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Final verdict

We know that there are a lot of options to choose from, and one can easily get puzzled. So, we recommend one company that you can choose without any worry, and the provider is the American Express. Get their instant approval virtual credit card, and you will be able to enjoy several benefits, and it is the most comprehensive virtual credit card that is available right now.

It is fast, convenient, simple to use, and, most importantly, lets you control your spending. Now, the decision is up to you, and you are more than welcome to choose another company which can meet all your requirements.

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