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Instant Approval Credit Cards
For the most part, instant approval credit cards are a thing of the past. A few years ago, it was possible to apply online and get instant access to your credit card. Today, regardless of how a credit card is advertised, you should expect to wait a minimum of five business days to get your credit card in the mail Because instant credit cards aren’t instant anymore, we recommend searching for 0% APR credit cards with low interest rates so you can get the best credit card deal. These credit cards will arrive just as quickly as “instant credit cards” and will ultimately provide you with better savings. Below you will find information on instant credit cards as well as links to secure online credit card applications. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.
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ORCHARD BANK CLASSIC MASTERCARDS |
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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N/A*
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N/A*
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7.90% - 28.90%*
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See Terms**
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Bad
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ZYNC FROM AMERICAN EXPRESS(SM) |
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- Earn 10,000 Membership Rewards(R) points after first purchase
- Enjoy a low annual fee of just $25 for Basic Card
- Pay no interest - that's because you pay in full each month
- Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
- Protect eligible purchases with Purchase Protection and Extended Warranty
- Earn Membership Rewards(R) points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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N/A*
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N/A*
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N/A*
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$25 annual fee*
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Excellent
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PLATINUM CARD® FROM AMERICAN EXPRESS |
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- Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- No Pre-set Spending Limit
- 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® Events — access to exclusive, once-in-a-lifetime events
- The Membership Rewards First® program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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N/A
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N/A
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N/A
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$450
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Excellent
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TRUEEARNINGS(R) BUSINESS CARD FROM COSTCO AND AMERICAN EXPRESS |
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- Who is this card for? This card is ideally suited for businesses that:
- Are established, cash flow positive and have an excellent credit history.
- Have revenue in the 6 to 7-figure range that want more flexibility to manage cash flow, purchase materials and handle other business expenses
- Straight cash back-4% for annual gasoline purchases of up to $6,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- 0% introductory APR on purchases for the first 6 months
- No annual fee with your paid Costco Membership
- Flexible payments-pay in full or over time
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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See Terms*
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N/A*
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15.24%*
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See Terms**
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Excellent
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AMERICAN EXPRESS(R) GOLD CARD |
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- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining 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 60 seconds.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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N/A*
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N/A*
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N/A*
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$125 annual fee*
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Excellent
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STARWOOD PREFERRED GUEST(R) CREDIT CARD FROM AMERICAN EXPRESS |
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- 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.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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See Terms*
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See Terms*
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15.24% variable*
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See Terms**
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Excellent
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About Instant Approval Credit Cards Individuals with very good and excellent credit have a much higher probability of getting an online decision than those with good or even fair credit. If you do not receive an instant approval notice after submitting your application, the time it will take to receive your "instant credit card" may extend as long as 30 days. Yes, an entire month! While this is often the extreme, those who aren't instantly approved can generally expect to wait at least 5 to 10 days to find out if you will be
accepted by a credit card issuer.
One way to shorten the wait time and improve your probability of getting a new credit card if you are not instantly approved is to apply for multiple credit cards. Oftentimes, a person will not qualify for a credit card from one company, such as Citibank, only to be approved by another, such as Chase or American Express®. If obtaining a credit card quickly is your objective, applying for more than one credit card offer can expedite the process of getting a new credit card in your hand.
View More Credit Card Articles *Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
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