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.
Starwood Preferred Guest Credit Card from American Express
Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
Use Starpoints(R) 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(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.
Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.
The CARD Act of 2009 does not offer the same protection to business cards as it does personal cards, but that doesn't mean that business credit cards are useless.
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Credit Card from American Express
