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

Discover® More® Card

Editor’s Pick Discover® More® Card

5 out of 5

Editor’s Pick Discover® More® Card



Discover® More® Card

  • 0% intro APR on balance transfers for a full 15 months, then the regular apr
  • 0% intro APR on purchases for a full 6 months, then the regular apr
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • No Annual Fee


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

Editor's Rating

5 out of 5

Apply Now

Intro APRIntro APR PeriodRegular APRBalance TransferTransfer FeeCredit Needed
0% - BT15 months - BT11.99% - 20.99% VYes4%Excellent

Discover® More® Card - $75 Cashback Bonus®

  • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • Unlimited cash rewards that never expire
  • Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners
  • Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account


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

Editor's Rating

5 out of 5

Apply Now

Intro APRIntro APR PeriodRegular APRBalance TransferTransfer FeeCredit Needed
0% - BT12 months11.99 - 20.99% VYes4%Excellent

Discover® More® Card – Black

  • 0% intro APR on balance transfers for a full 12 months, then the regular apr
  • 0% intro APR on purchases for a full 9 months, then the regular apr
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • No Annual Fee


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

Editor's Rating

5 out of 5

Apply Now

Intro APRIntro APR PeriodRegular APRBalance TransferTransfer FeeCredit Needed
0% - BT12 months11.99 - 20.99% VYes4%Excellent

Blue Cash(R) from American Express

  • 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


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

Editor's Rating

5 out of 5

Apply Now

Intro APRIntro APR PeriodRegular APRBalance TransferTransfer FeeCredit Needed
0%6 months17.24%-21.24% VariableYesN/AGood

Blue Sky from American Express(R)

  • 0% intro APR on purchases for 6 months and no annual fee
  • Flexibility to pay over time
  • Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company


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

Editor's Rating

5 out of 5

Apply Now

Intro APRIntro APR PeriodRegular APRBalance TransferTransfer FeeCredit Needed
0%6 months17.24%-21.24% VariableYesSee Terms*Good

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.
  • Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.


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

Editor's Rating

5 out of 5

Apply Now

Intro APRIntro APR PeriodRegular APRBalance TransferTransfer FeeCredit Needed
2.90%6 months15.24% variableYes*See TermsGood

American Express® 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 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 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 APRIntro APR PeriodRegular APRBalance TransferTransfer FeeCredit Needed
N/AN/AN/AN/AN/AGood

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.
  • Check your first bag free on every Delta flight


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

Editor's Rating

4 out of 5

Apply Now

Intro APRIntro APR PeriodRegular APRBalance TransferTransfer FeeCredit Needed
N/AN/A14.5% variableYes*See TermsGood