Instant Approval Credit Card Application

Applying for a credit card has not only got easier, but also a lot faster. With instant approval credit card application available online, users can simply fill the form and get the response within 24 hours; though there are issuers such as American Express that boasts card issuance in about 60 seconds.

However, there is a limit to the instant approval process. Applicants must have a good or an excellent credit score to receive an instant response.
Tips: Instant Approval Credit Card Application

Consumers should not get influenced merely by the speed of approval process. Instead, they should focus on other areas that actually define a credit card. The following are some points to consider before filling an instant approval credit card application:

Introductory interest-free duration versus the regular APR: Consumers should look for cards that offer longer interest-free periods and lower interest rates.

Reward schemes, cash back bonuses and other offers: These features mean savings; therefore, opt for a credit card that offers rewards or cash back matching your spending habits.

Read terms and condition: Situations like theft or lost cards can severely impact your finances. Therefore, read the safety features and other details of the credit card. Many cards offer $0 liability.

Popular Cards: Instant Approval Credit Card Application

Certain popular instant approval credit cards are:

First PREMIER Bank Gold credit card: This card lets users manage their credit account through a phone and reports credit activity every month.

AccountNow Prepaid Visa card: Being a secured card, there are no credit checks. Also, it offers services, such as free bill pay and free direct deposits.

Starwood Preferred Guest credit card: This card boasts a 60 seconds response, has no annual fee for the first year and offers an attractive reward scheme.

American Express Premier Rewards Gold card: With no annual fee for the first year, this card offers an attractive 15,000 reward points for a $1,000 purchases in the first three months.

When spplying for an instant approval credit card, ensure the card matches is suitable for your needs. It should reward you how you spend and charge low fees.

Apply For Instant Approval Credit Cards

To apply for credit card- instant approval means that your wait time is very short. In fact there is no waiting by the phone and no anxious trek out to the mail box every day. Technology is such that instant approval credit cards are very much a reality in today’s world.


To apply for credit card- instant approval means to apply by way of the internet. You fill out the application online and then receive your answer in a matter of mere minutes. You may wonder how this is done. How is instant approval for such a process even possible?

What happens is that the application you have submitted is carefully processed by a computer algorithm. Using your name and social security number the algorithm discovers what it needs to in regards to your credit history and your credit score. Based on its findings it then figures out if you are a suitable candidate for the credit card you are applying for or not.

If you are a person who does not like to wait or simply has too busy a life to wait then it is in your best interests to apply for credit card-instant approval. Bear in mind however that while you may get instant approval that you qualify for the card, this does not mean that the card will appear instantly in front of you. The card will be mailed to you as there is no way for it to be sent to you online. At least you will know that it is on its way and you will not be waiting as long as those who applied the manual way.


To avoid the uncertainty that sometimes accompanies the instant approval for a credit card it is vital that you be made aware that the instant approval and the credit card application are not exactly the same thing. When you apply for credit card- instant approval this means that you have been given the green light to qualify to apply for the card in question. It means that the information you have provided so far checks out. The next stage in the process involves providing more information. This is the actual credit card application stage. This is where the individual bank will consider your credit history and decide to either say yes or no to your interest in being granted a credit card through them.

Not all banks are the same in who they deem as a qualified card holder. For more detailed information check with the instant approval credit card lender that you are looking at.