Credit cards with fast approval: 13 options
When you need to travel or purchase a specific item, having a credit card is a great solution. Having the option to pay for purchases in installments, often interest-free, makes it easier to avoid committing a large sum of money you already have on hand.
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However, there's a certain amount of bureaucracy involved in companies releasing credit, due to high default rates. Therefore, the customer must pass certain tests.
First, your credit score is assessed, which is the score on your CPF that determines whether you are a good payer or not.
Then, some companies ask for proof of fixed income through bank statements or pay stubs.
Others ask for even more information than this, slowing down the entire process, even leading the applicant to give up. In some cases, even after completing all these tests, the credit card isn't approved.
So, for those of you looking for credit cards with easy approval, or immediate approval, check out what we've prepared in this post:
- Why do some cards have easier approval times?
- List of credit cards that approve instantly
Why do some cards have easier approval times?
Before specifically going into the list of cards that approve instantly, It is important to reinforce some necessary information.
Every credit product, whether a credit card, loan, or financing, must meet certain criteria to be approved. One of these criteria is a minimum income, for example.
Credit companies analyze the applicant based on their payment history and then decide whether or not it is worthwhile to grant credit.
So, paying your bills on time and meeting your monthly commitments is more than just paying bills. The greater your commitment to payments, the greater your chances of being approved by different companies.
List of cards that approve instantly
With that in mind, let's look at the options for credit cards that approve instantly, or credit cards with easy approval.
The first four card options offer immediate approval, while the others offer less bureaucracy for easier approval. The card's approval type will be identified at the beginning of this topic.
Check out the options to find the best one for you:
Saraiva credit card
Joining the list of credit cards that approve instantly, the Saraiva credit card is easy to approve as there is no need to prove income to apply.
It is a completely digital card with a Visa logo, meaning it is international.
Applying is very simple. Just visit Saraiva's website and fill in the requested information.
Will Bank Card
The Will Bank card is also on the list of credit cards with instant approval. This card is known for allowing consumers with low credit scores to use it.
This is a fee-free and annual fee-free option, in addition to offering unlimited withdrawals from 24-hour banks, an important differentiator, as many digital cards charge a fee for withdrawals.
If the customer links their bank account to their credit card, there is also the option to make TED transfers free of charge.
Applying for this credit card is also very easy: just visit the website or download the app, available for Android or iOS.
BMG Card Mastercard
The BMG Card Mastercard credit card is a great option for civil servants, retirees, or INSS pensioners. It offers payroll loans, making it easier to get approved. including those with bad credit.
A major difference is that this card does not undergo credit analysis or consultation with SPC and Serasa, in addition to having no annual fees.
By accessing the BMG bank website, simply access the option “open your account and request yours”, and you will be able to request your card.
Trigg Card
The Trigg credit card also carries a Visa logo, making it international. It undergoes an internal credit analysis, but approval is fast and hassle-free.
As soon as the request is made on the website and approved, the consumer receives a digital card to start using, even before the physical card arrives at their address, which is great for those who need to make a quick purchase and therefore want the credit card.
In the card app, you can track all transactions in real time, as well as the moment the purchase is made, thus enabling you to avoid scams, which are unfortunately very common among those who use credit cards.
Another advantage of the Trigg credit card is its cashback option, meaning consumers are entitled to receive 1.3% of the amount spent on their bill every month.
C6 Card
The C6 credit card is also among those with instant approval. It has no annual fee, cashback, frequent flyer programs, and can offer high limits, depending on your credit score.
To obtain the C6 credit card, you need to open a checking account, which is very simple and digital, and the overall process is very dynamic, meaning it doesn't leave the customer waiting.
Just like the Trigg card, the C6 credit card has a digital card option to use while you wait for the physical card to arrive.
Other credit card options with easy approval
Other cards also have the advantage of easier approval, with fewer tests and criteria than traditional bank cards.
Check out the list below for more options, remembering that not all of these are approved immediately, but they are less bureaucratic for those who don't want to wait a long time.
- WDigio International
- Next International Card
- Santander SX Card
- Nubank Gold Card
- International Neon Card
- Atacadão Card
- Carrefour Card
- Meliuz
To resolve any queries you may have about each card, simply visit its corresponding website.
Credit card requires financial awareness
It's always good to remember that using a credit card requires financial awareness of your spending, after all, it will need to be paid off at some point. All cards today charge interest on late payments, some more than others.
The ideal is to get organized, have a healthy financial life and keep all your bills up to date, to have a better score and thus balance in this very important area.
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