Apply Online for an Instant Approval Card
Instant approval credit cards are for consumers that need to obtain credit in a hurry. Instant approval is not always a type of card in its own right; often it is a feature that is a part of other common cards, like store credit cards or rewards cards. This feature allows you to obtain credit in a much quicker way than a mail-based application and approval does.
Instant approval is usually obtained online, over the phone or in-store. Your application will be processed based on an algorithm that determines your creditworthiness, which is based mainly on your credit score. This method ensures a speedy approval, however, you may not get the best rate because your application is not given personal consideration.
Some issuers will provide a method for using your credit immediately, such as a code for in-store an online purchases, but others may require you to wait until you receive your credit card in the mail to begin making charges. Ultimately, however, instant approval credit cards offer a fast way to obtain and use credit.
Online Instant Approval Credit Card Applications
The following online credit card applications keep your personal data safe with SSL technology, so you can apply with confidence.
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- Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
- 0% APR on Purchases for Up to 12 Months
- Low Balance Transfer APR 2.99% for 12 Months
- No Annual Fee
- Membership Rewards Express® Program
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for Up to 12 Months
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As low as 8.99%
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None
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$0
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for Up to 12 Months
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As low as 9.99%
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None
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$0
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- Get 3 HHonors Bonus Points for Each Eligible Dollar You Spend Everywhere Else
- Earn Up to 50,000 HHonors® Bonus Points When You Get the Card
- Receive 5 HHonors Bonus Points for Each Dollar Spent at Hilton Family Hotels Including Doubletree®, Embassy Suites Hotels®, Hampton Inn® and More and For Eligible Purchases at Supermarkets, Drugstores, Gas Stations, and More
- No Annual Fee
- No Blackout Dates
- Express Approval. Get a Decision in Less Than 60 Seconds
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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2.9% APR for 6 Months
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14.99%
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Very Good
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$0
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- Complimentary Enrollment in our Award Winning Membership Rewards® Program.
- Earn 5,000 Membership Rewards® Bonus Points When You Spend $500 in 3 Months - Redeemable for a $50 Gift
- No Annual Fee for the First Year - $95 Thereafter
- No Pre-Set Spending Limit*
- Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend and Double Points at Supermarkets, Gas Stations, Drugstores, and More!
- Transfer Points to 17 Frequent Flyer Programs
- Express Approval. Get a Decision in Less than 60 Seconds
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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No Introductory Rate Available
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No APR
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None
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$95
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- The Membership Rewards® Program Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend and Redeem for Your Choice of Travel, Shopping, and Entertainment Rewards
- Earn 10,000 Membership Rewards® Bonus Points When You Spend $500 in 3 Months - Redeemable for a $100 Gift
- No Annual Fee for the First Year - $125 Thereafter
- No Pre-Set Spending Limit
- Gold Card Events Exclusive Access to Tickets for Select Concerts, Shows, Major Sporting Events, and More in Cities Nationwide
- Express Approval. Get a Decision in Less than 60 Seconds
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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No Introductory Rate Available
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No APR
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Good
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$125
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- No Annual Fee
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Read our review
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% Intro APR*
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10.99%
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Very Good
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$0
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- 0% APR for the First 12 Months
- Option to Enroll in the Membership Rewards Express® Program Fee-Free
- Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
- There's No Limit to the Number of Points You Can Earn
- No Annual Fee
- No Annual Fee for Additional Cards
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 12 Months
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As low as Prime + 2.99%
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Very Good
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$0
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- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 CBB Partners
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Read our review
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% Intro APR*
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10.99%
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Very Good
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$0
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- Double Rewards with More than 100 Cashback Bonus® Partners*
- More Ways to Earn More Cash than Anyone Else(SM)*
- Up to 20% Cashback Bonus® When You Shop Online*
- Unlimited Cash Rewards, Automatically
- Customer Service in Less than a Minute, Anytime You Want
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Read our review
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% Interest* for 6 Months
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14.99%
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None
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$0
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- Points Good on Any Airline, Hotel, Car Rental, and More
- 0% Intro APR for Up to 12 Months on Purchases
- Earn 1 Point for Every Dollar You Spend
- Low Balance Transfer Rate - 2.99% for 12 Months
- No Blackout Dates or Travel Restrictions
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for Up to 12 Months
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As low as 9.99%
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None
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$0
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The credit card information shown here is provided by CardOffers.com. Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.
