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Instant Approval Credit Cards
Instant Decision / Instant Approval Credit Cards

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:: 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
Discover® More(SM) 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
Learn more 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
0% for 6 months* 0% for up to 12 months* As low as 10.99%* $0 Good Credit


Clear from American Express
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.
Learn more 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
0% for up to 12 months* 5.99% for life* As low as 10.99%* $0 Good Credit


Discover More Card
Discover® More(SM) 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
Learn more 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
0% for 12 months* 0% for 12 months* As low as 10.99%* $0 Good Credit


Blue from American Express
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
Learn more 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
0% for up to 15 months* 4.99% for life* As low as 9.99%* $0 Excellent Credit


GM Flexible Earnings Card
GM Flexible Earnings Card

  • Triple your earnings to 3% toward an eligible, new GM vehicle
  • A full 1% earnings toward any other new vehicle
  • A full 1% cash back option
  • 0% introductory APR for 12 months (on balance transfers)
  • No annual fee
Learn more 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
n/a 0% for 12 months* varies* $0 Good Credit



Instant Approval Credit Cards for Small Business

Blue for Business from American Express
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
Learn more 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
0% for up to 15 months* 4.99% for life* As low as 7.99%* $0 Good Credit
» More business credit cards



Instant Approval Credit Cards for People with Bad Credit

First PREMIER Black Platinum Card
First PREMIER Black Platinum Card

  • Designed for people with less than perfect credit
  • Reports monthly to 4 major Credit Bureaus
  • Application response within 60 seconds
  • Easy online application process
  • Low APR on purchases
Learn more 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
n/a n/a 9.9%* $48* Bad Credit OK
» More credit cards for people with bad credit


Credit Check Total
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
Learn more Learn more about this offer

» More credit report, credit score and credit monitoring services



:: Compare all credit cards on our comparison chart
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:: 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.



Credit Cards:
  
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