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Instant Approval Credit Cards

The term “instant approval” is one of the most misused descriptors associated with credit cards, largely due to the varying definitions among credit card issuers. Some banks will allow for an instant credit decision, others will make a decision on the same day; still others may approve the issue of a card relatively quickly but will not permit immediate access to the resulting credit line. These policies will vary from bank to bank, so if you are looking for an instant approval credit card you need to be mindful of how quickly you make use of your newfound credit – each card will specify its terms of issue in the agreement found on the credit card’s review page.

Perhaps the most dangerous pitfall of instant credit cards is the speed with which many consumers submit applications, meaning it’s not unusual for one person to apply for two or three cards at once. This is a bad idea, as each credit inquiry has the potential to significantly diminish your chances of getting a card. Multiple applications may also signal possible fraudulent activity, so careful consideration and commitment to one card is an absolute must. For additional assistance in identifying the instant approval card that best fits your situation, please consult our list of recommended reading materials on the right.

Discover® More(SM) Card - Clear

Discover's Discover® More(SM) Card – Clear is ideal for those with very good credit who want a cash reward credit card.

Features: Various card designs to select from. Various Internet account related services. Emergency card replacement. Fraud and security protection services. Auto rental insurance. Up to $500,000 in travel accident insurance. Discounts on products and services at participating merchants and retailers. See website for additional benefits.

[Click Here for a Full Review]

4.0
Intro APR Regular APR Annual Fee Reward Type
0% Intro APR* as low as 10.99% $0 Rebate


Discover® Open Road(SM) Card

The Discover® Open Road(SM) Card, issued by Discover, is designed for those with very good credit who would like to earn cash rewards on gas and auto maintenance expenses.

Features: Various card designs to select from. Various Internet account related services. No liability for unauthorized transactions. Up to $500,000 in travel accident insurance. Fraud and security protection services. Purchase protection. Flight insurance. Auto rental insurance. See website for additional benefits.

[Click Here for a Full Review]

4.0
Intro APR Regular APR Annual Fee Reward Type
0% Intro APR* 10.99% $0 Rebate


American Express® Preferred Rewards Gold Card

The American Express® Preferred Rewards Gold Card is an ideal card for those who can afford to pay in full each month to avoid accumulating credit card debt, as often can be the case with revolving balances and high interest rates.

Features: Various Internet account related services. Access to Gold Card Events including exclusive tickets for select concerts, shows, major sporting events, and more in cities nationwide. Discounts on products and services at participating merchants and retailers. Return protection Purchase protection. Extended warranty for purchases. Auto rental insurance. Medical referral service. Legal referral service. Emergency cash replacement. Lost luggage insurance. Travel accident insurance. Guaranteed hotel reservations. Emergency card replacement. Year-end financial statement. Identity theft assistance. Various travel and emergency assistance services. See website for additional benefits.

[Click Here for a Full Review]

4.5
Intro APR Regular APR Annual Fee Reward Type
No Introductory Rate Available n/app $125 Point