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Getting an instant approval card offer online can significantly cut down the waiting period to receive the actual card and the process is much more convenient than applying for cards the old-fashioned way with hand written applications. A process that used to take weeks has been cut down to days with new technology that provides the platform to instantly approve credit cards.
When applying for these type of cards, the online approval process typically happens within a matter of minutes or even just a few seconds. The applicant provides basic personal information and the card issuer will pull their credit report online to make an instant authorization, determining whether or not the applicant is worthy of their card. If your credit is good enough, you can get approval instantly online (imagine that!) or you can get it over the phone as well.
While the actual approval will only take a few minutes, you'll actually have to wait to physically receive the credit card, which will be sent by mail and should only take a few days. In some cases, a more in-depth look at the applicant's credit may be required because of instances of "questionable" credit. In those instances, applicants will generally be notified by mail within 7-10 days on average.
Historically, instant credit cards have been reserved for people with at least good to excellent credit so not everyone will qualify for them. These days, however, the competition for customers within the credit market is so fierce that card issuers sometimes allow prospects with less than perfect credit to obtain one. So regardless of your credit history, there is no reason not to apply.