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INSTANT DECISION CREDIT CARDS
For the most part, instant 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 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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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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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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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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Yes
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Excellent
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ORCHARD BANK CLASSIC MASTERCARD® |
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- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- On-call customer service representatives to assist you with questions or concerns
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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n/a *
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n/a *
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7.9-19.90% *
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$39-$79 *
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No
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Bad Credit OK
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AMERICAN EXPRESS (R) PREFERRED REWARDS GOLD CARD |
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- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) 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.
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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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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No
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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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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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See Terms* *
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See Terms* *
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15.24% *
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See Terms* *
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Yes
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Excellent
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PLATINUM DELTA SKYMILES(R) CREDIT CARD FROM AMERICAN EXPRESS |
MORE DETAILS HERE |
- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Earn one companion Coach Class ticket each year upon renewal
- Earn at least 1 mile for every eligible dollar spent
- Miles never expire and there is no cap on the miles you can earn
- Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
- Express Approval. Get a decision in less than 60 seconds.
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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See Terms* *
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See Terms* *
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14.50% *
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$150 per year *
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Yes
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Excellent
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Additional Information about Instant 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 card 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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