Instant Approval Credit Cards For Average / Fair Credit

Below we offer a list of instant approval credit cards you should be able to qualify for with average credit / fair credit. Every card issuer has its own standard for what is considered an average or fair credit history, so we are making some assumptions based on what we know of the issuer as well as on our reading of the card’s terms & conditions, especially its interest rates.

  • cap-one-platinumCapital One Platinum MasterCard – Capital One lists this card as being “for people with average credit,” and their definition of average credit is pretty lenient. No-frills card with an interest rate of 24.99% APR. Capital One says they “will attempt to provide a decision in 60 seconds or less. However, in some cases we need to collect additional information to make a decision.”
  • Store Card – This is the Amazon credit card issued by Synchrony Bank and only accepted at (It’s NOT the Amazon Visa issued by Chase). Offers special financing on large purchases but the everyday interest rate is a rather high 26.49%, so fair credit should be OK. From the application: “If you are approved, we will instantly add the card to your account.”
  • Belk Credit Card – This department store credit card has a high 24.49% interest rate, which indicates it is open to average credit customers. And since it tells you that you’ll save 20% on your purchases when you open a card and make a purchase today, you know instant approval is a priority.
  • bestbuycards120Best Buy Credit Card – Electronics and appliance superstore offers a number of Visa and store-only cards you can get approved for instantly, at a 25.99% interest rate that suggests average/fair credit customers should get approved. Offers a rewards program and/or special financing on your purchases.
  • gapccsmallGap Credit Cards – With its 25.49% interest rate and an “Apply Now and Save Today” message (you’ll get 15% off your first online order with the card), it’s fair to say that average credit should be good enough for approval. Accepted at the other Gap family stores, too — Old Navy, Banana Republic, and Athleta.
  • jcp-creditcardJCPenney Credit Card – The 26.99% interest rate suggests that average / fair credit customers are often approved. Can be used immediately upon approval, with a 15% discount on the first day’s purchases.
  • kohls-cc-smallKohl’s Credit Card – This card’s 24.49% interest rate leads us to believe that customers with average credit / fair credit are likely to be approved.
  • lowes-cc-consumerLowe’s Credit Card – The 26.99% interest rate on this card suggests it approves customers across the board, so your fair credit should be just fine. Offers 5% off of Lowe’s purchases. On large purchases over $299, you can choose 0% financing instead of the 5% discount.
  • macys-cc-smallMacy’s Credit Card – An interest rate of 25.99% suggests that most are approved, including those with fair credit. Offers the possibility of instant credit approval and immediate use, with the chance to get 20% off card purchases today and tomorrow.
  • sears-credit-cardSears Credit Card – This credit card’s 25.99% interest rate is an indication that it approves a variety of custiomers, including those with fair credit. And it offers instant approval — in fact, you’ll get $10 off your first card purchase when you’re approved and use the card today. Accepted at Sears and Kmart stores.
  • shell-plat-ccShell Platinum MasterCard – Gas credit card should approve most fair credit customers, given its 24.74% interest rate. “Receive an immediate response” is the message you’ll notice on the card’s application page.
  • tjx-card-smallTJX Rewards Credit Cards – “Open an account today” and you’ll earn rewards on TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post purchases. The 27.49% interest rate indicates that it approves most customers with fair credit. Note, however, that you could be approved for a TJX MasterCard (accepted anywhere MasterCard is accepted) or a TJX store card (accepted only at TJX stores).
  • Credit Card – Online superstore offers 0% financing on larger purchases, but the everyday 29.99% interest rate suggests they’ll take on fair credit customers and probably bad credit customers as well. The application page tells you that you’ll “get a response in seconds”.
  • tractor-supply-ccTractor Supply Credit Card – “Apply today, buy today” is announced on this retailer’s credit card application. The card’s 26.49% interest rate is high enough that most fair credit customers can feel confident that they’ll be approved.
  • zales-ccZales Credit Card – “Own it today” That means you not only can expect instant approval but you can also expect to use your new credit right away. The card’s 29.49% interest rate tips you off to the fact that approval is likely with average / fair credit. Note that larger Zales purchases with the card may qualify you for a lower interest rate than the 29%+ mentioned here.

Related instant approval categories: Credit Cards You Can Use Today, Store Credit Cards, Bad Credit Credit Cards