Apply for a new credit card and get approved in 60 seconds or less.
When you apply for a credit card online, it’s not uncommon to receive approval within 60 seconds or less. Once your application is approved, you should usually receive your card so you can start spending within a week or two.
Our pick for quick approval
Credit One Bank® Unsecured Platinum Visa®
Compare instant approval credit cards
Your approval time for these credit cards will depend on the information you provide. Typically a decision is instant or near instant, and you’ll receive it within a few minutes of completing your application. In some cases, more information will be required and it may take longer.
What is an instant approval credit card?
An instant approval credit card has an application that returns a decision within a few minutes or less. Applications are typically online and take around 10 minutes to complete.
How do instant approval credit cards work?
Most banks and credit card issuers allow you to apply for cards online. The credit card provider can access the online national credit bureau and calculate its response using your credit status almost instantly. It’s only when there’s an issue with your application or credit history that it might take longer than 60 seconds for the bank to process.
Applying for a credit card online also has some security benefits. Your application will be protected by 128-bit encryption and an online application is easier to track, reducing the chance of lost documents.
Like any other credit card application, though, your approval will depend on your credit history, income and the information you included in your application.
What are your chances for instant approval?
Typically instant approval credit cards are aimed at those with good to excellent credit scores. Even if you meet the basic eligibility requirements and have an excellent credit score, there are a number of reasons your application may be declined. An instant approval credit card doesn’t mean your approval is guaranteed.
All instant approval credit cards
- Blue Cash Preferred® Card from American Express
- The Platinum Card® from American Express
- Marriott Bonvoy Boundless™ card
- Savor® Rewards from Capital One®
- VentureOne® from Capital One®
- Quicksilver® from Capital One®
- Costco Anywhere Visa® Card by Citi
- Chase Freedom Unlimited®
- Chase Sapphire Preferred® Card
- Wells Fargo Propel American Express® Card
- Wells Fargo Platinum Card
- American Airlines AAdvantage MileUp℠ Card
- Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
- Citi® Double Cash Card
- PenFed Pathfinder Rewards American Express® Card
- American Express® Gold Card
- American Express Cash Magnet™ Card
- Blue Cash Everyday® Card from American Express
- Hilton Honors American Express Ascend Card
- Hilton Honors American Express Card
- Gold Delta SkyMiles® Credit Card from American Express
- HSBC Cash Rewards Mastercard® credit card
- HSBC Gold Mastercard® credit card
- Barclaycard Arrival® Plus World Elite Mastercard®
- Venture® from Capital One®
- Wells Fargo Cash Wise Visa® Card
- Chase Freedom®
- SimplyCash® Plus Business Credit Card
- Discover it® Cash Back
- Discover it Balance Transfer
- Discover it® Miles Travel Credit Card
- Citi Simplicity® Card
- PenFed Power Cash Rewards Visa Signature® Card
- USAA® Rate Advantage Visa Platinum® Card
- Green Dot primor® Visa® Gold Secured Credit Card
- Platinum Credit Card from Capital One®
- QuicksilverOne® from Capital One®
- Discover it® Student Cash Back
- Discover it® Chrome for Students
- Journey® Student Credit Card from Capital One®
- Official NASCAR® Credit Card from Credit One Bank®
- Indigo® Platinum Mastercard® Credit Card
- Milestone® Gold Mastercard®
- OpenSky® Secured Visa® Credit Card
- Horizon Gold Card
- UNITY Visa® Secured Credit Card
- Credit One Bank® Unsecured Platinum Visa®
- Total Visa
- Discover it® Secured
- Fingerhut Credit Account
- First PREMIER® Bank Credit Card
- Secured Mastercard® from Capital One®
- Wells Fargo Secured Credit Card
- AeroMexico Visa® Secured Card
How to apply for an instant approval credit card in 4 steps
An instant approval credit card is an easy way to apply online and receive your credit card as soon as possible. To improves your chances of instant approval though, there are a few steps you’ll need to take to make sure you’ve completed your application properly.
- Compare your options
- Check the eligibility requirements
- Collect the necessary documents and information
- Apply online
Step 1. Compare your options.
As you can apply for most credit cards online and offer instant approval within 60 seconds, it’s important to compare your options before applying. Rather than basing your decision on the fact that you could potentially receive approval within 60 seconds, make sure to consider the following:
- Fees. Annual, foreign transaction, balance transfer, late and returned payment fees should all be taken into consideration.
- Rates. Check the APR for purchases, cash advances and balance transfers before settling on a card.
- Features. Rewards programs, balance transfer offers, signup bonuses, complimentary insurance and purchase protection are just a few benefits to take into account when comparing your options.
Make sure you can afford the card and that it offers the extra features you need to manage your credit.
Step 2. Check the eligibility requirements.
While you could receive approval within 60 seconds, you won’t receive approval at all if you don’t meet the eligibility requirements. Some of the criteria you’ll be expected to meet include:
- Good credit history. Most banks only accept applicants who have a good credit history with no evidence of defaults.
- Residential status. Depending on the card, you might only be able to apply if you’re a permanent U.S. resident. Some banks do offer cards for temporary residents, so you can use our guide to compare your options.
- Income. You’ll need to meet a minimum income requirement to receive approval for the card. If you don’t meet the income requirement of a card, you might want to compare low-income credit cards for more choice.
Step 3. Collect the necessary documents and information.
When you apply for a credit card online, you’ll be required to attach a number of documents and provide some personal information to receive instant approval. Some of the personal information you’ll need to provide includes:
- Proof of identity. You’ll be asked to provide proof of your identity such as your drivers licence, birth certificate or medicare card.
- Personal details. You’ll need to provide your full name, residential address and contact details.
- Employment and income. You’ll need to provide proof of employment and income, including the details of your employer and recent pay slips. If you’re self-employed you’ll need to provide your accountant’s details and if you’re retired, you’ll need to provide evidence of your centrelink payments or assets.
- Balance transfer details. If you’re applying for a balance transfer, you’ll need to provide the details of your existing account and the amount you’re transferring during the application.
To ensure a smooth and quick application process, make sure you have these details on hand before you begin your application.
Step 4. Apply online.
Once you’ve compared your credit card options, made sure you meet the eligibility criteria and organized the necessary documents, you can select the ‘Go to Site’ button to begin your secure online application. This should only take around 10 to 15 minutes if you have all of the relevant details handy. Once you’ve submitted your application, you should receive your response within 60 seconds. You’ll either be approved, rejected or, if the bank needs to investigate a detail of your application in further detail, left pending.
Credit cards for applicants with bad credit
You’ll only receive instant approval for a credit card if you meet the eligibility requirements and provide all of the relevant documents. Not having a qualifying credit score or being unable to meet the eligibility requirements will bar you from approval.
Bad credit history can potentially be fixed — you can work on improving your credit score, or consider an alternative specifically for applicants with bad credit.
Rejected applications can hurt your credit score even further, so it’s important to consider these conditions before applying.
What to do if your credit card application is declined
If your application is rejected, you shouldn’t apply for another credit card straight away. Applying for several credit cards in a short period and having rejected applications on your credit file can further damage your credit score.
Instead, you might want to try the following:
- Review eligibility requirements.
- Review your credit score and credit history.
- Contact the provider if you can’t narrow down the reasons why you weren’t approved.
- Spend time improving your credit history or comparing other credit cards.
- Apply for another credit card after a few months to give time for credit score repairal.
You can use our guide on reasons why your credit card might have been declined to get started.
Instant approval credit cards are an easy way to apply for a credit card online and get your credit card sooner. As instant approval credit cards still require you to meet the relevant eligibility requirements, it’s important to compare your options and prepare your application before submitting it to improve your chances of approval.