Instant Approval Credit Card Offers
A few years ago, it was possible to get
instant approval for a credit card online. Upon approval, credit card companies would give you your 16 digit number as well as your expiration date.
This enabled people to use their credit card for online purchases immediately.
Unfortunately, giving instant approval credit cards away on the internet led to
tremendous fraud. Consequently, some credit card companies now make instant
credit approval decisions online, but do not allow you to use your credit card
until it has been mailed and activated from a home phone.
Currently,American
Express offers the fastest online approval, with some applicants learning of
approval in 60 seconds or less. However, most credit card companies, including
American Express, do not provide instant online approval to people who do not
have superb credit. Thus, for the most part, you can expect to wait at least
three to five business days to find out if you have been approved for a credit
card.
Some instant credit card applications listed on
SmartCreditChoices.com provide notification of instant online approval. Most,
however, will take at least 3 days to give you an approval notice, with some
taking up to 30 days.
If you wish to obtain a credit card quickly, applying
online for credit cards from different companies can speed up the process. For
example, if you apply for an
instant
approval Chase credit card, a
Discover credit card, and an
American
Express credit card, you can simply accept the card that arrives in your
mailbox faster. Additionally, you can also wait for the credit cards to arrive
and choose the best offer. Nevertheless, applying for multiple credit cards is
the best way to get an online credit card fast.
SmartCreditChoices.com lists over 70 current
instant credit card applications from every major issuer. To view instant
approval credit cards listed on SmartCreditChoices.com, visit our
instant credit card section.
Popular instant approval credit cards include:
The
Chase Platinum Visa®, which offers a 0% introductory interest rate for up to
1 year on purchases and balance transfers, plus fee free flexible rewards.
The
Discover® Platinum Card offers a 0% Intro APR* for Purchases and Balance
Transfers for 12 months and a Full 5% Cashback Bonus® on Get More Program
purchases throughout the year when you shop at places like bookstores, home
improvement stores, gasoline stations, restaurants and more*.
To learn more about
instant
approval credit cards, as well as 0% credit card offers, visit our
Education
Center.
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