Apply Online for an Instant Approval Card

Instant approval credit cards are for consumers that need to obtain credit in a hurry. Instant approval is not always a type of card in its own right; often it is a feature that is a part of other common cards, like store credit cards or rewards cards. This feature allows you to obtain credit in a much quicker way than a mail-based application and approval does.

Instant approval is usually obtained online, over the phone or in-store. Your application will be processed based on an algorithm that determines your creditworthiness, which is based mainly on your credit score. This method ensures a speedy approval, however, you may not get the best rate because your application is not given personal consideration.

Some issuers will provide a method for using your credit immediately, such as a code for in-store an online purchases, but others may require you to wait until you receive your credit card in the mail to begin making charges. Ultimately, however, instant approval credit cards offer a fast way to obtain and use credit.

Online Instant Approval Credit Card Applications

The following online credit card applications keep your personal data safe with SSL technology, so you can apply with confidence.

Blue from American Express®

Blue from American Express® Apply for Blue from American Express®
  • Membership Rewards Express® Program
  • 0% APR on Purchases for Up to 12 Months
  • Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
  • No Annual Fee
  • Express Approval. Get a Decision in Less Than 60 Seconds.
  • Read our review
  • Apply online now at American Express's Web site

Intro APR Regular APR Credit Needed Annual Fee
0% APR for Up to 12 Months As low as 10.24% None $0

Blue Cash® from American Express

Blue Cash® from American Express Apply for Blue Cash® from American Express

Intro APR Regular APR Credit Needed Annual Fee
0% APR for Up to 12 Months As low as 11.24% None $0

Preferred Rewards Gold Card

Preferred Rewards Gold Card Apply for Preferred Rewards Gold Card
  • The Membership Rewards® Program — Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend and Redeem for Your Choice of Travel, Shopping, and Entertainment Rewards
  • Earn 10,000 Membership Rewards® Bonus Points When You Spend $500 in 3 Months - Redeemable for a $100 Gift
  • No Annual Fee for the First Year - $125 Thereafter
  • No Pre-Set Spending Limit
  • 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 Less than 60 Seconds
  • Read our review
  • Apply online now at American Express's Web site

Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available No APR Good $125

Discover® More(SM) Card - Clear

Discover® More(SM) Card - Clear Apply for Discover® More(SM) Card - Clear
  • No Annual Fee
  • 5% to 20% Cashback Bonus® at Top Online Retailers*
  • Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
  • Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
  • Online Account Access
  • Online Bill Payment
  • *View Discover® Card Rates, Fees, Rewards, and Other Important Information
  • Read our review
  • Apply online now at the card issuer's Web site

Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 10.99% Very Good $0

Discover® Open Road(SM) Card

Discover® Open Road(SM) Card Apply for Discover® Open Road(SM) Card
  • Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 CBB Partners
  • Double Cashback Bonus® on Grocery Store Purchases in November and December*
  • Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
  • 5% to 20% Cashback Bonus® at Top Online Retailers*
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment
  • *View Discover® Card Rates, Fees, Rewards, and Other Important Information
  • Read our review
  • Apply online now at the card issuer's Web site

Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 10.99% Very Good $0

Discover® Student Card - Tropical Beach

Discover® Student Card - Tropical Beach Apply for Discover® Student Card - Tropical Beach
  • Double Rewards with More than 100 Cashback Bonus® Partners*
  • More Ways to Earn More Cash than Anyone Else(SM)*
  • Up to 20% Cashback Bonus® When You Shop Online*
  • Unlimited Cash Rewards, Automatically
  • Customer Service in Less than a Minute, Anytime You Want
  • *View Discover® Card Rates, Fees, Rewards, and Other Important Information
  • Read our review
  • Apply online now at the card issuer's Web site

Intro APR Regular APR Credit Needed Annual Fee
0% Interest* for 6 Months 14.99% None $0

Blue Sky from American Express®

Blue Sky from American Express® Apply for Blue Sky from American Express®

Intro APR Regular APR Credit Needed Annual Fee
0% APR for Up to 12 Months As low as 11.24% None $0

The credit card information shown here is provided by CardOffers.com. Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.