Instant Approval Credit Cards: Get approved in 60 secs | finder.com

Instant approval credit cards comparison

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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: Indigo® Platinum Mastercard® Credit Card

The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.

  • Potential $99 annual fee
  • 23.9% variable APR
  • Get pre-qualified
  • Build credit with all major credit bureaus
Promoted

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.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
An 18 months 0%% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$250
See Rates & Fees
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
$550
None (Charge Card)
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$49
9.99% fixed
Fast, easy application process. No processing or application fees!
$0 to $99
19.99% to 25.99% variable
Get double cash back rewards at the NASCAR.com Superstore, terms apply.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
All the benefits of Mastercard Gold for those with less than perfect credit.
$35
19.39% variable
A secured Visa® credit card that helps you build your credit quickly.
$299
Get a $500 credit limit to make purchases on the Horizon Outlet website.
$39
17.99% fixed
9.95% for the first 6 months (then 17.99% fixed)
Borrow up to $10,000 and get your credit score back on track.
$0 annual fee for the first year ($95 thereafter)
19.74%, 24.24% or 27.74% variable
Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.
$0
14.74%, 22.74% or 26.74% variable
0% for the first 15 months (then 14.74%, 22.74% or 26.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee for the first year ($95 thereafter)
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
15.49% to 25.49% variable
0% for the first 18 months (then 15.49% to 25.49% variable)
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.
$0 annual fee for the first year ($95 thereafter)
14.74%, 21.24% or 24.74% variable
$0
26.99% variable
Enjoy no annual fee, plus access to valuable benefits.
$39
26.99% variable
Get unlimited 1.5 cash back on every purchase with no limit on how much you can earn, and no changing categories.
$0
24.99% variable
10.99% for the first 6 months (then 24.99% variable)
2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
$0
24.99% variable
Take control and build your credit with responsible use.
$25
20.99% variable
Establish credit history - with responsible use you may be upgraded to an unsecured credit card.

Compare up to 4 providers

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.

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.

  1. Compare your options
  2. Check the eligibility requirements
  3. Collect the necessary documents and information
  4. Apply online

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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 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:

  1. Review eligibility requirements.
  2. Review your credit score and credit history.
  3. Contact the provider if you can’t narrow down the reasons why you weren’t approved.
  4. Spend time improving your credit history or comparing other credit cards.
  5. 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.

Bottom line

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.

Frequently asked questions

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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

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa 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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4 Responses

  1. Default Gravatar
    JaniceNovember 14, 2018

    Is there a credit card I can get with poor credit scores and get instantly qualified for?

    • Default Gravatar
      joelmarceloNovember 15, 2018

      Hi Janice,

      Thanks for leaving a question on finder.

      Secured credit cards are great way to rebuild your credit history, and you can learn all about how in our secured credit cards guide. Secured credit cards operate just like regular credit cards but require that you put down a security deposit to determine the limit of your card. Say you make a $500 security deposit, then you have a $500 card limit. This tells the issuer you have enough money to pay off the card. Provided the issuer reports to the three major bureaus — and most secured cards do — and provided you pay off your card on time, you’ll be on your way to lifting your credit score from bad to good in no time.

      For all your other options considering you do not have a perfect credit score, please click here.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  2. Default Gravatar
    JohnJune 26, 2018

    I want to get pooersonal credit card

    • finder Customer Care
      nikkiangcoJune 26, 2018Staff

      Hi John!

      Thanks for getting in touch!

      To get a personal credit card, below are the general requirements you’d need to get approved.

      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.

      It would also be advisable to check your credit score as this would increase your chances of approval for any credit application.

      Hope this helps!

      Regards,
      Nikki

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

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa 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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