Instant Approval Credit Cards

  • Who: Consumers who have a good credit score and want to find out if they receive instant credit.
  • Why: An instant approval credit card significantly speeds up the application process when you apply online.
  • Drawbacks: These are not guaranteed instant approval credit cards. Credit card applications may have to go through a traditional approval process.

Editor's Pick

Starwood Preferred Guest(R) Credit Card from American Express

Card

5 out of 5

Starwood Preferred Guest(R) Credit Card from American Express

  • 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.


Note! Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

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Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
2.90% 6 months 13.24% Yes *See Terms Good

American Express (R) Preferred Rewards Gold Card

  • Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
  • The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, 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 less than 60 seconds.


Note! Do you know your credit score? Click here for free credit score offers.

Editor's Rating

4 out of 5

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Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A N/A N/A N/A Good

Platinum Delta SkyMiles(R) Credit Card from American Express

  • Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
  • Earn one companion Coach Class ticket each year upon renewal
  • Earn at least 1 mile for every eligible dollar spent
  • Miles never expire and there is no cap on the miles you can earn
  • Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
  • Express Approval. Get a decision in less than 60 seconds.


Note! Do you know your credit score? Click here for free credit score offers.

Editor's Rating

4 out of 5

Apply Now

Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A 13.24% Yes *See Terms Good