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Instant Credit Card Applications
The following credit cards come with instant online decisions. Upon completion of your online application, you will be notified of your acceptance within 60 seconds. There was a time when all major issuers offered instant credit cards but due to the current state of the economy and other mitigating circumstances, the only major issuers featuring instant approval credit cards are American Express and Discover. This is a bit of a hinderance for those who wish to apply for a Visa or MasterCard, yet is a blessing in disguise for others as the Discover Open Road Card now features instant approval and rewards you with 5% cashback on all fuel purchases which translates into close to $4 per fill-up depending on the make and model of your vehicle. If you would like to apply for a credit card that does not offer an instant decision, you may do so by browsing through other credit cards on our website. Note that you may have to wait up to 30 days to receive a decision on other offers. If you have bad credit and need a new card, please visit our bad credit card section.
| Top Instant Credit Card: Discover® More Card |
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- Earn more cash in more ways than anyone else(SM*)
- Unlimited cash rewards, automatically.
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want.
- 0% Intro APR for 12 months on Purchases and Balance Transfers.
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Intro APR |
Intro Period |
Regular APR |
Annual Fee |
Balance Transfer |
Credit Type |
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0% |
12 Months |
10.99% |
$0 |
Yes |
Good |
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| Blue From American Express® |
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- Enjoy the low APR -- Enjoy a 0.00% APR on purchases for up to 15 months.
- Low Balance Transfer APR -- 4.99% Fixed APR for the life of the balance.
- Membership Rewards Express® Program -- Get the rewards you want right now. You'll have access to an incredible selection of clothing, electronics, dining experiences, online music, travel, and more.
- No Annual Fee.
- Express Approval. Get a decision in less than 60 seconds.
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Intro APR |
Intro Period |
Regular APR |
Annual Fee |
Balance Transfer |
Credit Type |
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0% |
Up To 15 Months* |
As low as 10.24%* |
$0 |
Yes |
Excellent |
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- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers.
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on gas and auto maintenance purchases.
- 5% to 20% Cashback Bonus at top online retailers*
- Up to 1% Cashback Bonus on all other purchases. Unlimited cash rewards.
- Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners.
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Intro APR |
Intro Period |
Regular APR |
Annual Fee |
Balance Transfer |
Credit Type |
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0% |
Up to 12 Months |
10.99% |
$0 |
Yes |
Good |
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Which Is The Best Instant Credit Card Available?
This is a very common question amongst our visitors. In our opinion, it really depends on your needs. We always suggest that people should carry the Discover Open Road Card because of the beneficial gas cashback program. If you are not a driver, or don't really feel that a gas rebate card best suits your needs, either the Discover More Card, formerly the Discover Platinum Card, is a good choice for those interested in earning cashback on purchases. This card also comes with a 0% APR for both balance transfers and purchases for up to 12 months. For those who have excellent credit and are looking for a points based or general rewards program, there really isn't a better card than Blue from American Express. Both of these cards mentioned above are instant credit cards and they are also the flagship offers of their respective companies.
Should I Apply For More Than One Instant Credit Card?
To increase the likelihood of getting instantly approved, you may want to consider applying for multiple cards. If you decide to take this route, be sure to only apply for one card from each issuer. Be advised that if you want to apply for multiple credit cards, you should do so back-to-back. The reason for this is so that too many hard pulls are not seen on your credit report because they take a few days to post. The reason we say this is that while it may not be your intention to act irresposnsibly with lots of revolving credit, many major issues may perceive you as a credit risk and/or desperate if they see that you have been applying for several cards over a short period of time. The best way to execute this plan is to apply for 2 instant credit cards, one from Discover and One from American Express and either a MasterCard or Visa from another issuer.
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