Instant Approval Credit Cards: Get approved in 60 secs

Instant Approval Credit Cards Comparison

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Apply for a new credit card and get approved instantly within 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 card is approved, you should usually receive your card and start spending within a week or two. If you want to receive instant approval on your next credit card application, there are a few factors you should consider to ensure a smooth application process. Use this guide for everything you need to know to increase your chances of success when applying for an instant approval credit card.

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. If you have a bad credit score or are unable to meet the eligibility requirements, you won’t be accepted. If you have a bad credit history, you can work on improving your credit score or consider an alternative for applicants with poor credit. As rejected applications can hurt your credit score even further, it’s important to consider these conditions before applying.

Green Dot primor® Mastercard® Gold Secured Credit Card

Our Pick: Green Dot primor® Mastercard® Gold Secured Credit Card

If you have low or no credit, this card offers easy-to-meet eligibility criteria — with no fees or credit check required.

  • Annual fee: $49, waived the first year
  • Purchase APR: 9.99% fixed

    How do instant approval credit cards work?

    Most banks American banks and credit card issuers allow you to apply for cards online. While the application might take around 10 minutes to complete, you’ll usually find out the fate of your application within 60 seconds or less. The credit card issuer can access the online national credit bureau and can calculate their response using your credit status almost instantly. It’s only if there’s an issue with your application or credit history that it might take longer than 60 seconds for the bank to process. As well as instant approval, 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.
    Is a guaranteed approval credit card possible?

    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.

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    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 fees (such as the annual fee and late repayment fees), rates (such as purchase rates, cash advance rates and balance transfer rates) and features (like rewards programs, balance transfer offers, purchase offers or complimentary insurance). Make sure that you can afford the card it offers the extra features that 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 organised 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.

    Compare credit cards

    Rates last updated June 25th, 2018
    Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
    Amex EveryDay® Credit Card
    14.74% to 25.74% variable
    0% Intro APR for 15 months
    $0
    Earn 15000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
    Deserve® Classic Card
    24.49% variable
    $39
    Designed to help build credit history with no deposit required and access to benefits.
    Apply now Read review
    Bank of America® Cash Rewards Credit Card
    14.74% to 24.74% variable
    0% Intro APR for 12 statement closing dates (with whichever is greater, $10 or 3% balance transfer fee)
    $0
    Earn more cash back for the things you buy most.
    Blue Cash Everyday® Card from American Express
    14.74% to 25.74% variable
    0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
    $0
    Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
    Luxury Card Mastercard® Black Card™
    16.49% variable
    0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 3% balance transfer fee)
    $495
    Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
    Apply now Read review
    Chase Sapphire Preferred® credit card
    17.49% to 24.49% variable
    $0 annual fee for the first year ($95 thereafter)
    Earn 50000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
    Indigo® Platinum Mastercard® Credit Card
    23.9% variable
    $75 annual fee for the first year ($0 to $99 thereafter)
    With this card you get a 23.9% variable APR.
    Apply now Read review
    The First Access VISA® Credit Card
    29.99% variable
    $75 annual fee for the first year ($48 thereafter)
    Access credit even if you have poor or limited credit history.
    Apply now Read review
    Luxury Card Mastercard® Gold Card™
    16.49% variable
    0% Intro APR for 15 billing cycles (with the amount of each transfer, $5 or 3% balance transfer fee)
    $995
    Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
    Apply now Read review
    Chase Sapphire Reserve®
    17.49% to 24.49% variable
    $450
    Earn 50000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
    Credit One Bank® Visa® with Free Credit Score Tracking
    17.49% to 25.49% variable
    $0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
    Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
    Apply now Read review
    Amex EveryDay® Preferred Credit Card
    14.74% to 24.74% variable
    0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
    $95
    Earn 15000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
    Chase Freedom Unlimited® credit card
    16.49% to 25.24% variable
    $0
    Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
    Bank of America® Premium Rewards® Credit Card
    17.49% to 24.49% variable
    $95
    Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
    Quicksilver® from Capital One®
    14.49%, 20.49% or 24.49% variable
    0% Intro APR for 15 months (with 3% balance transfer fee)
    $0
    Earn unlimited 1.5% cash back on every purchase, every day
    Chase Freedom® credit card
    16.49% to 25.24% variable
    0% Intro APR for 15 months (with whichever is greater, $5 or 5% balance transfer fee)
    $0
    Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
    Bank of America® Travel Rewards Credit Card
    16.49% to 24.49% variable
    $0
    20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
    Chase Slate® Credit Card
    16.49% to 25.24% variable
    0% Intro APR for 15 months (with $0 for transfers in first 60 days. Then $5 or 5% balance transfer fee)
    $0
    Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
    Venture® from Capital One®
    14.49%, 20.49% or 24.49% variable
    $0 annual fee for the first year ($95 thereafter)
    Earn 50000 bonus miles once after spending $3,000 on purchases within the first 3 months from account opening.
    HSBC Cash Rewards Mastercard® credit card
    14.49%, 18.49%, or 24.49% variable
    0% Intro APR for 15 months (with whichever is greater: $10 or 4% balance transfer fee)
    $0
    Earn unlimited 1.5% cash rewards on all purchases. See Rates and Fees
    Apply now Read review

    Compare up to 4 providers

    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, review the eligibility requirements, your credit score and credit history and the necessary documents to narrow down some of the reasons you weren’t approved. Once you’ve done this, you can spend some time improving your credit history or comparing other credit cards. Ideally, you shouldn’t apply for another credit card for a few months to give your credit score some time to repair following the rejected application. 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.

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    US Credit Card Offers

    Important Information*
    Deserve® Classic Card
    Deserve® Classic Card

    APR

    24.49
    variable

    Annual fee

    0 For the first year
    More info
    Luxury Card Mastercard® Gold Card™
    Luxury Card Mastercard® Gold Card™

    APR

    16.49
    variable

    Annual fee

    995 For the first year
    More info
    The First Access VISA® Credit Card
    The First Access VISA® Credit Card

    APR

    29.99
    variable

    Annual fee

    75 For the first year
    More info
    Indigo® Platinum Mastercard® Credit Card
    Indigo® Platinum Mastercard® Credit Card

    APR

    23.9
    variable

    Annual fee

    75 For the first year
    More info
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