While many credit card companies provide instant approval decisions, most credit card companies object to being listed in the instant credit card category. The credit cards which are listed in this category are thus not an exhaustive list of available offers. Plus, given that it generally takes up to one business week to get any credit card in the mail, you should be able to easily find a better credit card offer in the 0% APR credit card or low interest credit card sections of Card Wisdom.
Below you can compare credit cards that advertise instant approval and apply online for approval via SSL encrypted, secure applications hosted on the websites of the issuing banks.
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- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
- Receive your cash back automatically as a statement credit
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
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See Terms*
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See Terms* |
17.24%-21.24% Variable |
No Annual Fee |
Excellent |
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- FREE MasterCard Prepaid Card & FREE Shipping
- FREE Instant Virtual Card – Shop Online Today
- FREE Direct Deposit + Get $20 Signup Bonus
- Earn High Savings Interest Rate!
- FREE Unlimited Purchase/ Signature Transactions
- FREE Check Your Balance With a Text Message
- Send and Receive Money Securely With Your Mobile Phone
- Refer friends and family and make money
- $0 Activation Fee
- $0 First Monthly Fee – Try it For FREE
- $0 Monthly Fee When You Load at Least $500 Per Month (Otherwise Only $5!)
- No Hidden Fees / No Overdraft Fees
- Fully FDIC Insured
- o Credit Check/ No Bank Account Required
- FREE Account Management – Over The Phone or Online
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
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N/A
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N/A |
* |
See Terms* |
N/A |
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- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
- Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
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See Terms*
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See Terms* |
15.24% variable |
See Terms* |
Excellent |
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- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in 60 seconds.
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
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N/A
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N/A |
N/A |
$125 annual fee |
Excellent |
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- 3-2-1 Points: Earn Membership Rewards(R) 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
- No annual fee for your first year, a savings of $175
- Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership
- Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
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N/A
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N/A |
N/A |
See Terms* |
Good |
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