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Instant Decision / Instant Approval Credit Cards
:: About Instant Approval Credit Cards | Recommender | Credit Score Estimator | Free Credit Score
Note: 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 most cases.
For more information about instant approval credit cards, visit our credit cards tips and advice .
Consumer Credit Cards Offering Instant Approval
Discover More Card - Clear
Earn more cash in more ways than anyone else(SM)*
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus ® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
No annual fee
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for 6 months*
0% for up to 12 months*
As low as 10.99%*
$0
Good Credit
Clear from American Express
No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
0% intro APR for up to 12 months on purchases*
Balance transfer requests submitted on application receive APR of 5.99% for life of the balance*
Express Approval — Get a decision in less than 60 seconds
Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
Pay in full, or carry a balance.
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for up to 12 months*
5.99% for life*
As low as 10.99%*
$0
Good Credit
Discover More Card
0% Intro APR for 12 months on Purchases and Balance Transfers
Earn more cash in more ways than anyone else(SM)*
Unlimited cash rewards, automatically
5% Cashback Bonus ® in categories like travel, home, gas, restaurants, movies and more
Up to 1% Cashback Bonus on all other purchases automatically
No annual fee
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for 12 months*
0% for 12 months*
As low as 10.99%*
$0
Good Credit
Blue from American Express
0% APR on purchases for up to 15 months*
Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance*
Express Approval — Get a decision in less than 60 seconds
Membership Rewards Express® program
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences
No annual fee
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for up to 15 months*
4.99% for life*
As low as 9.99%*
$0
Excellent Credit
Instant Approval Credit Cards for Small Business
Blue for Business from American Express
Note: This is a business credit card
0% Intro APR for purchases for up to 15 months*
Option to enroll in the complimentary Membership Rewards Express(R) program, with flexible rewards for you or your business. There's no limit to the number of points you can earn and points have no expiration date.
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
Flexibility to pay in full or carry a balance
No annual fee for additional cards
No annual fee
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for up to 15 months*
4.99% for life*
As low as 7.99%*
$0
Good Credit
Instant Approval Credit Cards for People with Bad Credit
Credit Check Total
Get your complete credit picture for free*
Receive all 3 credit reports and credit scores from Experian®, TransUnion®, and Equifax®
Email alerts of key changes to any of your 3 national credit reports
Free trial membership* in CreditCheck® Total, a credit monitoring service
*You must cancel your membership within the 7-day trial period to aviod being billed
:: Compare all credit cards on our comparison chart
· Credit Cards Main Page
:: 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...click for more information
* See the online credit card application for details about terms and conditions of a specific offer.
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