Compare Instant Approval Credit Cards
As the name implies, you are given a decision on your online credit card application in times ranging from 60 seconds to a few minutes. In order to be eligible for instant approval credit cards, the applicant is normally required to have good to excellent credit. If approved, funds are normally accessible in one to two weeks.Starwood Preferred Guest(R) 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.
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| See Terms* | See Terms* | See Terms* | See Terms* | Excellent |
Platinum Card(R) from American Express
- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- Fine Hotels & Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
- By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
- Complimentary Airport Club Access
- The Membership Rewards First(R) program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $450 annual fee | See Terms* | Excellent |
American DreamCard™ MasterCard®
- Over $1.1 Million Awarded to Date!
- Large monthly cash jackpots
- Earn entries from everyday shopping
- Get 1,000 entries just for applying!
- A New Winner Every Month!
- Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
- *See terms and conditions for important rate, fee, and other cost information, and limitations
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $0- $59* | See Terms* | Average |
First Option Visa®
- Get a REAL Visa® Credit Card!
- Up to $5,000.00 Secured Line of Credit!!
- Be Approved Regardless of Credit History or Income!!!
- Guaranteed Approval!
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $59 | N/A | Bad |
Next Millennium MasterCard®
- No credit check*
- Approved regardless of credit history
- Secured credit limit of up to $5,000.00
- Get cash at over 740,000 ATMs
- Accepted wherever MasterCard® is accepted
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $59 | N/A | Bad |
FAQs on Instant Approval Credit Cards
Are Instant Approval Credit Cards as quick as their name implies?
Finding out if one is eligible is in most cases is a fairly quick process for the banks as they simply check your credit status and general information before pushing on with the process of extending credit.
Is Instant Approval the same as Instant Decision?
No it is not. Instant decision is a term that gives banks the option to refrain from making a decision until further back-end work has been undertaken should an application require further inquiry.
After the screening process, when would I then receive my credit card?
It could between five to seven working days, depending on the card issuer. It is wise to check with the bank issuer for further clarification.
