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 card FAQs.
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 over 860 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.
Make everyday purchases count twice: For a limited time, you can earn double membership rewards points on gas and groceries for your first year
Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
No annual fee for the first year - a savings of $125
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.
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.
Credit Card from American Express
