Shop and compare the best credit cards
Best Visa credit cardsBest MasterCard credit cardsBest American Express credit cardsBest Discover credit cards

Instant approval credit card guide

Instant Approval Credit Card Offers

The approval process for most credit card offers is not only slow, but uninformative. Many times, the issuer's decision was instant, but the applicant is notified by mail. Therefore, it can take weeks before he or she knows the results. Instant approval credit cards provide an immediate answer—no waiting.

Although the offers below are classified as instant approval, that is not their only benefit. The credit card offers range from lucretive cash back bonuses, low introductory APRs and substantial rewards programs. The credit worthiness of applicants can be just as broad. Whether the applicant has excellent credit, bad credit, or is a student—there's an instant approval credit card for everyone.

An applicant who Knows instantly about an approval receives a secondary benefit. Applying for too much credit in a short amount of time can damage a credit score. Credit bureaus flag overzealous credit-seeking, and in some cases take action. It's easy for a credit-seeker to apply for multiple credit card offers when the results are unknown, so instantly receiving an approval can be good. Every applicant should know how to achieve optimium credit.

Below is our guide to the best instant approval credit cards online. Compare the features of each offer and apply for the credit card for your needs. It is worth noting that in rare cases, the decision may not be instant. Issuers could need more time to evaluate the applicant due to credit reporting problems or incorrect data.



ACE Pink Visa Prepaid Debit Card
ACE Pink Visa Prepaid Debit Card Card Application
ACE Pink Visa Prepaid Debit Card Card Application
  • No application fee and no obligation
  • No charge for withdrawals at 1,600+ ACE Cash Express locations with direct deposit
  • Get paid up to 3 days earlier than with a paper check with free direct deposit of your paycheck or government check
  • No overdraft fees or minimum balances
  • Free direct deposit of your paycheck or government check
  • Protection from unauthorized transactions if card is reported lost or stolen. FDIC Insured
  • Portion of your purchase goes to breast cancer awareness and detection
  • Earning your trust since 1968
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
N/A*N/A*N/A*As low as $0*N/A*No Credit Check*
BabyPhat Prepaid Visa® RushCard
BabyPhat RushCard Visa Offer
BabyPhat RushCard Visa Application
  • Guaranteed approval*, no credit or Chexsystems checks
  • No overdraft fees or minimum balances
  • Get your tax refund 2-4 weeks faster with Free Direct Deposit
  • Online bill pay - send checks to anyone
  • Monthly Cash Back Rewards*
  • Free credit builder and text alerts
  • Card to card transfers (between RushCard members)
  • Save up to 85% on prescriptions with RushCard's Free Prescription Discount Card
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
N/A*N/A*N/A*None*N/A*No Credit Check*
Vision Premier® Visa® Prepaid Card - The Paycheck Card
Vision Premier Visa Prepaid Card Offer
Vision Premier Visa Prepaid Card Application
  • No credit check, no debt, no interest, no overdraft fees
  • Free unlimited purchases - signature and PIN
  • Free customer service
  • Free Direct Deposit: Get paychecks, benefits and tax refunds faster
  • Free PayFit Credit Builder - Pay bills and build credit for free
  • Free text and email alerts and online access to track spending
  • Safer than cash if lost or stolen
  • Accepted everywhere Visa Debit cards are accepted
Intro APRIntro APR PeriodRegular APRMonthly FeeBalance TransfersCredit Needed
N/A*N/A*N/A*$6.95 with direct deposit*N/A*No Credit Check*
AccountNow® Prepaid Visa® Card
AccountNow Prepaid Visa Card Offer
AccountNow Prepaid Visa Card Application
  • 100% Guaranteed Approval*
  • $0 Activation Fee
  • $25 Cash Bonus when you use direct deposit
  • New iAdvanceSM loan option
  • No Overdraft Fees and no Minimum Balance
  • Free Credit Builder
  • Free Direct Deposit
Intro APRIntro APR PeriodRegular APRMonthly FeeBalance TransfersCredit Needed
N/A*N/A*N/A*as low as $2.50*N/A*No Credit Check*
American Express® Premier Rewards Gold Card
American Express Premier Rewards Gold Card Application
American Express Premier Rewards Gold Card Application
  • Earn 15,000 Membership Rewards® bonus points when you spend $1,000 in your first 3 months of Card membership
  • Earn Membership Rewards points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
  • Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
N/A*N/A*N/A*First Year Free, then $175 annual feeN/A*Excellent Credit*
Starwood Preferred Guest® Credit Card
Starwood Preferred Guest Credit Card Offer
Starwood Preferred Guest Credit Card Application
  • Earn up to 25,000 Starpoints® — enough for up to 6 free nights at a category 1 or 2 hotel.
  • No annual fee for the first year and $45 thereafter
  • Express Approval. Get a decision in less than 60 seconds.
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
2.90%*6 months*15.24%*No annual fee for the first year - $45 thereafterYes*Excellent Credit*
ZyncSM from American Express
Zync from American Express
Zync from American Express
  • Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
  • Earn Membership Rewards® points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards
  • Pay no interest - that's because you pay in full each month
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
N/A*N/A*N/A*$25.00*N/A*Excellent Credit*
* See the online instant approval credit cards and guaranteed approval credit card applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Here " button you can review the credit card terms and conditions on the credit card issuer's web site.

Recent Credit Card Help and Advice

Who You Owe: The Difference Between the Bank and the Network

When evaluating and comparing credit cards, it helps to understand the terminology used in the industry. The card issuer, for example, is entirely ...

Read full story

Recent Credit Card Blog

Kwedit: Virual Credit for the Virtual World

Kwedit is a new service that offers online users the opportunity to buy virtual goods now and pay for them later.

Read full post

Browse Cards by Type

Browse Cards by Issuer

Browse Cards by Quality