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.
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- 100% Guaranteed Approval* - No Credit Check.
- Free Direct Deposit - sign up now and have a safe place to put your tax refund.
- Only card that lets you change your fee plan whenever you want to.
- Free prescription discount card.
- Easy Bill Pay - pay bills, rent, or write personal checks.
- Card to card transfers.
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| Intro APR | Intro APR Period | Regular APR | Monthly Fee (up to) | Balance Transfers | Credit Needed |
| N/A* | N/A* | N/A* | $9.95* | N/A* | No Credit Check* |
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- 100% Guaranteed Approval* - No Credit Check
- $0 Activation Fee
- $25 bonus with Free direct deposit§
- Free Online Bill Payment
- Up to $10,000 balance limit
- Instant Account Number - Perfect for getting your Tax Refund faster with direct deposit
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| N/A* | N/A* | N/A* | up to $9.95 monthly* | N/A* | No Credit Check* |
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- 100% Guaranteed Approval* - No Credit Check
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Easy Bill Pay - pay bills, rent, or write personal checks
- Card to card transfers
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| Intro APR | Intro APR Period | Regular APR | Monthly Fee (up to) | Balance Transfers | Credit Needed |
| N/A* | N/A* | N/A* | $9.95* | N/A* | No Credit Check* |
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- 100% Guaranteed Approval* - No Credit Check
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Easy Bill Pay - pay bills, rent, or write personal checks
- Card to card transfers
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| Intro APR | Intro APR Period | Regular APR | Monthly Fee (up to) | Balance Transfers | Credit Needed |
| N/A* | N/A* | N/A* | $9.95* | N/A* | No Credit Check* |
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- Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
- Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
- Free Direct Deposit, Online bill pay, Earn rewards.
- No credit check, 100% approved*
- No bounced check fees or overdraft fees - ever!
- Travel, rent cars, reserve hotels, shop online safely.
- Unbelievable customer service.
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| Intro APR | Intro APR Period | Regular APR | Monthly Fee (up to) | Balance Transfers | Credit Needed |
| N/A* | N/A* | N/A* | $7.95* | N/A* | No Credit Check* |
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- No issuance fee online.
- No credit check or bank account required
- No overdraft fees
- No minimum balance required
- Free Direct Deposit.
- $10 bonus with qualifying Direct Deposit (for a limited time only)
- Use everywhere Visa debit is accepted, including shop online, pay bills, get cash at ATMs
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| Intro APR | Intro APR Period | Regular APR | Monthly Fee (up to) | Balance Transfers | Credit Needed |
| N/A* | N/A* | N/A* | $3.00* | N/A* | No Credit Check* |
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- 100% Guaranteed Approval* - No Credit Check
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Easy Bill Pay - pay bills, rent, or write personal checks
- Card to card transfers
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| Intro APR | Intro APR Period | Regular APR | Monthly Fee (up to) | Balance Transfers | Credit Needed |
| N/A* | N/A* | N/A* | $9.95* | N/A* | No Credit Check* |
* 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.
