Instant approval credit card guide

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

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

BabyPhat Prepaid Visa® RushCard

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

Vision Premier^® Visa^® Prepaid Card - The Paycheck Card

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

AccountNow^® Prepaid Visa^® Card

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

American Express® Premier Rewards Gold Card

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.

Starwood Preferred Guest® Credit Card

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.

Zync^SM 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