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Instant Approval Credit Cards
Instant approval credit cards (or online approval
credit cards as they're sometimes referred to) are available both online and
over the phone. You can search, compare and apply for many of the top credit
cards right here at CreditCardAssist.com.
When applying for these type of credit 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 credit card company 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.
Getting an instant approval credit card offer online can
significantly cut down the waiting period to receive the actual credit card and
the process is much more convenient than applying for credit 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.
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.
Instant Approval Credit Card Online - Reviews We have listed
a variety of the very best instant approval credit card offers
available below.

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Discover® Open Road(SM) Card |
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- 5% to 20% Cashback Bonus at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus Partners
- No Annual Fee
- Online Account Access & Bill Payment
- *View Discover® Card Rates, Fees, Rewards and Other Important Information
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0%*
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6 Months*
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10.99%*
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None*
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Yes*
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Very Good Credit*
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Editor's Review:
The Discover® Open RoadSM Card is an excellent offer for individuals with very good credit that are interested in participating in a gas reward program. The Discover Open RoadSM Card provides cardholders with a full 5% cash rebate for all gas purchases, regardless of where the gas is purchased
...more info
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Bank of America Visa Signature® WorldPoints™ Rewards |
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- No Annual Fee*
- Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles*
- Earn 1 Point for Every $1 in Net Retail Purchases*
- Absolute Fraud Protection*
- Online Access and 24-Hour Service*
- Access to the MyConcierge Service, a Unique Personal Assistance Service*
- Issued by FIA Card Services, N.A.*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Balance Transfers*
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12 Billing Cycles*
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9.99% / 15.99%*
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None*
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Yes*
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Excellent Credit*
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Editor's Review:
The Bank of America Visa Signature® WorldPoints® Rewards cardholders earn one point for every dollar spent that can be redeemed for a variety of benefits including merchandise, gift certificates, cash rebates, and travel rewards. This offer has no annual fee, and the APR for purchases and balance transfers is very low.
...more info
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Hilton HHonors® Platinum Card from American Express® |
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- Earn 10,000 HHonors Bonus Points After Your Very First Purchase - Enough for a Free Night*
- Earn 15,000 Bonus Points After You Spend $5,000 in 5 Months -- That's in Addition to the 15,000 Points You Would Earn for Your Spending*
- Earn 10,000 HHonors Bonus Points Over the Course of Your First Four Stays at Any Participating Hilton Family Hotels (2,500 HHonors bonus Points Each Stay)*
- Receive 5 HHonors® Bonus Points for Each Dollar Spent at Hilton Family and for Eligible Purchases at Supermarkets, Drugstores, Gas Stations, Dining Establishments, and More
- Get 3 HHonors Bonus Points for Each Eligible Dollar You Spend Everywhere Else*
- No Annual Fee*
- No Blackout Dates*
- Express Approval. Get a Decision in 60 Seconds*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
2.9% on Purchases, Balance Transfers
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6 Months*
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14.99%*
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None*
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Yes*
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Very Good Credit*
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Editor's Review:
Hilton HHonors® Platinum Card from American Express® cardholders earn three points for every dollar spent for general purchases and five points for every dollar spent at Hilton Hotels, grocery stores, drugstores, gas stations, restaurants, the U.S Postal Service, and wireless phone bills. In addition to the reward program, this offer features many of the common benefits and services provided by American Express®, such as auto rental insurance, travel accident insurance and more.
...more info
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American Express® Preferred Rewards Gold Card |
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- Earn 10,000 Member Ship Rewards® Bonus Points When You Spend $500 in 3 Months - Redeemable for a $100 Gift*
- Annual Fee is $0 for the First Year - $125 Thereafter*
- No Pre-Set Spending Limit*
- Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend.
Redeem Points for Your Choice of Truly Exceptional Travel, Shopping, and
Entertainment Rewards*
- Gold Card Events — Exclusive Access to Tickets for Select Concerts, Shows,
Major Sporting Events, and More in Cities Nationwide*
- Global Assist® Plus Hotline and Many More Benefits Included*
- Express Approval. Get a Decision in Less than 60 Seconds*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
N/A*
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N/A*
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N/A*
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$125, Free First Year*
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N/A*
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Excellent Credit*
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Editor's Review:
The American Express® Preferred Rewards Gold Card is designed for people who are interested in a rewards card that is going to give them a lot of different perks. One of the major reasons that people apply for this card is because it offers VIP access to many different events just for having the card, a feature that many people really find appealing
...more info
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Bank of America World MasterCard® with WorldPoints™ |
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- Earn 1 Point for Every Net Retail Purchase Dollar*
- Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates*
- No Annual Fee*
- Online Account Access and Point Management*
- Absolute Fraud Protection*
- Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles*
- Issued by FIA Card Services, N.A.*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Balance Transfers*
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12 Billing Cycles*
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9.99% / 15.99%*
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None*
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Yes*
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Excellent Credit*
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Editor's Review:
The Bank of America World MasterCard® with WorldPoints™ cardholders earn one point for every dollar spent on all qualifying purchases. Points are redeemable for cash, brand-name merchandise, travel with no blackout dates, dining certificates, and more. The card has no annual fee, a 0% introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a very low fixed interest rate for those who qualify.
...more info
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Blue from American Express® |
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- Membership Rewards Express(SM) program*
- 0% APR on Purchases for Up To 15 Months*
- No Annual Fee*
- Low Balance Transfer APR - 4.99% Fixed APR for the Life of the Balance*
- Blue is Your Launch Pad to Standout Shopping and Entertainment Rewards and One-of-a-Kind Experiences*
- Express Approval. Get a Decision in Less Than 60 Seconds*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Purchases*
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Up to 15 months*
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As Low as 8.99%*
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None*
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Yes*
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Excellent Credit*
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Editor's Review:
Blue from American Express® is a versatile credit card and ideal for individuals with an established credit history who are looking for an instant online approval and a wide variety of benefits. The online approval process for this offer is typically very quick and qualified applicants will receive a response within
...more info
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Discover® More(SM) Card - Clear |
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- 5% to 20% Cashback Bonus at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically*
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus Partners*
- No Annual Fee*
- Online Account Access*
- Online Bill Payment*
- *View Discover® Card Rates, Fees, Rewards and Other Important Information*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Purchases, Balance Transfers*
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12 Months*
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10.99%*
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None*
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Yes*
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Very Good Credit*
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Editor's Review:
Apply for an Instant Approval for the Discover® More(SM) Card - Clear and you could earn a 5% Cashback Bonus in categories like travel, home, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and .25% for purchases made at select warehouse clubs and discount stores. The card has no annual fee, an attractive 0% introductory rate on purchases for six months, and a 0% introductory rate on balance transfers for twelve months.
...more info
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Looking for more articles and free information on instant approval credit cards? We've provided more articles, tips, advice and resources on cards that can be approved instantly below: - Guide to Instant Approval Credit Cards - An instant credit card approval is one of the most-advertised phrases you will encounter when searching for a new credit card. For this very reason, many consumers expect to have access to their cards immediately after they have been approved by the credit card issuer or banks.
- The Trouble With An Instant Decision - People who are lookin for a credit card that can be approved instantly may come
across the phrase "instant decision" while searching for cards online. In
actuality, the process can require a much more detailed and time-consuming
credit check, potentially delaying your actual ability to use your new line of
credit...
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