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Instant Decision / Instant Approval Credit Cards

Instant Response Credit Card Offers

The following is a list of credit cards that offer instant response (or instant decision). With these credit card offers, you should be able to find out if you have been approved or not in a matter of minutes. However, certain circumstances do occasionally arise in which the issuer will need more time to determine if you are approved for the card or not. It is not guaranteed that you will receive an instant decision with these credit cards. However, these credit cards do offer this feature in many cases.

Note: Instant approval is not guaranteed for the First PREMIER(R) Bank products listed on this page; however, an instant response will be provided within 60 seconds.

For more information about instant approval credit cards, visit our credit card FAQs.

:: About Instant Approval Credit Cards | Credit Card Recommender | Free Credit Score

Consumer Credit Cards Offering Instant Approval

Top Pick: Instant Response Credit Cards

Starwood Preferred Guest

Credit Card from American Express

Earn up to 25,000 Starpoints® - enough for up to 6 free nights at a category 1 or 2 hotel.
Use Starpoints® for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
No annual fee for the first year and $45 thereafter
Transfer Starpoints® - almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.

Apply now for this credit card or learn more about the offer

Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Needed

2.90% for 6 months*

Yes*

15.24%*

No annual fee for the first year - $45 thereafter*

Good Credit

Related Resources

CareOne

Consolidate debt payments
Lower your monthly payments
Reduce interest rates
Eliminate collection calls
No commitment - Find out how much you can save

Learn more about this offer

FreeCreditReport.com (brought to you by Experian

)

Free credit report and score delivered online in seconds
Look for potential inaccuracies and unauthorized activity
See who's been checking your credit
Free trial membership* in Triple Advantage(SM) Credit Monitoring
*You must cancel your membership within the 7-day trial period to avoid being billed each month

Learn more about this offer

:: Compare all credit cards on our comparison chart

:: Need help finding the right card? Credit Card Recommender

About Credit Cards: Instant Approval Credit Cards

::

Certain credit cards offer an instant response or instant decision (otherwise known as instant approval) to people applying for the card...more

* See the online credit card application for details about terms and conditions of a specific offer.


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