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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.
| Citi® Platinum Select® / AAdvantage® World MasterCard® |
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The Citi® Platinum Select® / AAdvantage® World MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with very good credit who travel regularly on American Airlines. Features: Various Internet account related services.
Access to reduced mileage awards.
Identity theft solutions.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Auto rental insurance.
Year-end financial statement (upon request).
Lost luggage assistance.
Medical referral services.
Legal referral services.
Various travel and emergency assistance services.
Up to $1,000,000 in travel accident insurance.
See website for additional benefits.
[Click Here for a Full Review] |
2.5 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| No Introductory Rate Available |
14.99% |
$85** |
Mile |
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| Discover® More(SM) Card - Clear |
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The Discover® More(SM) Card - Clear, issued by Discover, is designed for those with very good credit who are looking for 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 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% Intro APR* |
10.99% |
$0 |
Rebate |
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| Bank of America World MasterCard® with WorldPoints™ |
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The Bank of America World MasterCard® with WorldPoints™, issued by FIA Card Services, N.A., is designed for those with excellent credit who plan to take advantage of the reward program that is offered. Features: See website for additional benefits.
[Click Here for a Full Review] |
5.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 12 Billing Cycles |
9.99% / 15.99% |
$0 |
Point |
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| Bank of America Visa Signature® WorldPoints® Rewards |
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The Bank of America Visa Signature® WorldPoints® Rewards, issued by FIA Card Services, N.A., is designed for those with excellent credit who plan to take advantage of the reward program that it offers. Features: See website for additional benefits.
[Click Here for a Full Review] |
5.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 12 Billing Cycles |
9.9% / 15.99% |
$0 |
Point |
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| Citi PremierPass® |
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The Citi PremierPass® Card, issued by Citibank, is designed for those with excellent credit who may also be looking for a card that offers rewards. Features: Various Internet account related services.
Identity theft solutions.
Fraud and security protection services.
Automatic bill payments.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Year-end financial statement (upon request).
Auto rental insurance.
Medical referral services.
Legal referral services.
Lost luggage assistance.
No liability for unauthorized transactions.
Various travel and emergency assistance services.
Up to $1,000,000 in travel accident insurance.
See website for additional benefits.
[Click Here for a Full Review] |
3.5 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for up to 12 Months |
As low as 9.99% |
$0 |
Point |
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| Discover® Open Road(SM) Card |
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The Discover® Open Road(SM) Card, issued by Discover, is designed for those with very good credit who would like to earn cash rewards for their gas and auto maintenance spending. 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 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% Intro APR* |
10.99% |
$0 |
Rebate |
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| Efectiva® Platinum Plus® Visa® |
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The Efectiva® Platinum Plus® Visa®, issued by FIA Card Services, N.A., is designed for those who plan to take advantage of the cash back reward program. Features: See website for card benefits.
[Click Here for a Full Review] |
3.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 6 Billing Cycles |
APR Varies* |
$0 |
Point |
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| Citi® Gold/AAdvantage® World MasterCard® |
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The Citi® Gold/AAdvantage® World MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with good credit who travel with American Airlines. Features: Various Internet account related services.
Access to reduced mileage awards.
Identity theft solutions.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Fraud and security protection services.
Automatic bill payments.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
No liability for unauthorized transactions.
Year-end financial statement (upon request).
See website for additional benefits.
[Click Here for a Full Review] |
2.5 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| No Introductory Rate Available |
14.99% |
$50** |
Mile |
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| American Express® Preferred Rewards Green Card |
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The American Express® Preferred Rewards Green 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.
Year-end financial statement.
Fraud protection.
Extended warranty for purchases.
Purchase protection.
Medical referral services.
Legal referral services.
Roadside assistance.
Emergency cash replacement.
Lost luggage insurance.
Guaranteed hotel reservations.
Auto rental insurance.
Up to $100,000 in travel accident insurance.
Emergency card replacement.
Various travel and emergency assistance services.
See website for additional benefits.
[Click Here for a Full Review] |
4.5 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| No Introductory Rate Available |
n/app |
$95** |
Point |
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| American Express® Preferred Rewards Gold Card |
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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 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| No Introductory Rate Available |
n/app |
$125** |
Point |
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| Bank of America® Accelerated Rewards™ American Express® Card |
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The Bank of America® Accelerated Rewards™ American Express® Card, issued by FIA Card Services, N.A., is designed for those with average credit who want to participate in the reward program. Features: See website for additional benefits.
[Click Here for a Full Review] |
4.5 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 12 Billing Cycles |
9.99% |
$0 |
Point |
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| Citi PremierPass® Elite Level |
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The Citi PremierPass® Card - Elite Level, issued by Citibank, is designed for those with excellent credit who are looking for a reward card that is compatible with any airline. Features: Free unlimited companion travel.
Identity theft solutions.
Fraud and security protection services.
Various Internet account related services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Year-end financial statement (upon request).
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Medical referral services.
Legal referral services.
Lost luggage assistance.
No liability for unauthorized transactions.
Various travel and emergency assistance services.
See website for additional benefits.
[Click Here for a Full Review] |
3.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for up to12 Months |
As low as 9.99% |
$75 |
Point |
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| Hilton HHonors® Platinum Card from American Express® |
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The Hilton HHonors® Platinum Card from American Express® is designed for those with very good credit who frequently stay at Hilton Hotels. Features: Various Internet account related services.
Year-end financial statement.
Extended warranty for purchases.
No liability for unauthorized Internet transactions.
Purchase protection.
Access to the Offer Zone for various discounts at participating retailers and merchants.
Guaranteed hotel and motel reservations.
Emergency card replacement.
Emergency cash replacement.
Auto rental insurance.
Medical referral services.
Legal referral services.
Roadside assistance.
Up to $100,000 in travel accident insurance.
See website for additional benefits.
[Click Here for a Full Review] |
4.5 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 2.9% APR for 6 Months |
15.24% |
$0 |
Point |
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| Citi® Bronze® / AAdvantage® World MasterCard® |
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The Citi® Bronze® / AAdvantage® World MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with average credit who travel regularly on American Airlines. Features: Various Internet account related services.
No liability for unauthorized transactions.
Fraud and security protection services.
Identity theft solutions.
Lost and stolen card reporting.
Emergency card replacement.
Emergency cash replacement.
Automatic bill payment.
Year-end financial statement (upon request).
Travel accident insurance.
Auto rental insurance.
See website for additional benefits.
[Click Here for a Full Review] |
3.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| No Introductory Rate Available |
14.99% |
$0 |
Mile |
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| Blue from American Express® |
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Blue from American Express® is an ideal credit card for those with good credit who already have an established credit history and are looking for a card with access to a reward program. Features: Access to Blue's Membership Rewards Express(SM) program for no additional annual fee.
Built-in ExpressPay feature that lets cardholders make purchases without having to swipe their card.
Various Internet account related services.
No liability for unauthorized Internet transactions.
Year-end financial statement.
Return protection.
Extended warranty for purchases.
Purchase protection.
Auto rental insurance.
Emergency card replacement.
Medical referral services.
Legal referral services.
Lost luggage insurance.
Up to $100,000 in travel accident insurance.
Various travel and emergency assistance services.
See website for additional benefits.
[Click Here for a Full Review] |
4.5 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for up to 15 Months |
10.24% |
$0 |
Point |
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