The Ultimate Guide to Credit Cards
Wednesday, February 26, 2020

21 Credit Cards with Instant Approval by Category

21 Credit Cards with Instant Approval by Category

credit card advice

Eric Bank
By: Eric Bank
Posted: January 29, 2020
Advertiser Disclosure

Here is our roundup of credit cards with instant approval by category. It turns out that most credit cards can give you an instant approval decision when you apply online.

Sometimes, they will tell you that they need more information and will send a decision soon — in a matter of hours or days. Of course, sometimes the issuer will decline your application, but may offer an alternative card that better suits you.

Bad Credit | Fair Credit | Cash Back | Miles | Balance Transfer | Students | Business
FAQs & Ranking Methodology

Credit Cards for Bad Credit with Instant Approval

In general, a bad FICO credit score is below 580 on a range of 300 to 850. About 16% of applicants fall into this category.

You can still get a credit card while having bad credit, but your choices are limited. The cards listed below are geared toward consumers who have bad credit.

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit
Total Visa® Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★
4.5

OVERALL RATING

3.5/5.0
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Fair, Bad Credit

The credit limits on these cards are low, and you can expect higher-than-average APRs. You may also face hefty fees, which can include annual, application, cash advance, and management fees.

Nonetheless, these cards can help you build your credit score so that eventually you may qualify for a less expensive card with a higher credit limit.

Credit Cards for Fair Credit with Instant Approval

The FICO range for fair credit is generally considered to be 580 to 669. About 17% of applicants fall into this subprime category.

As you can see below, the universe of credit cards expands when you go from having bad to fair credit.

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.49% to 25.49% Variable
$0 - $99
Fair

Relative to the cards for bad credit consumers, these tend to have higher credit limits, lower costs, and some even provide rewards. All the cards listed here will give you an instant decision when you apply online.

You should ascertain your credit score before applying so you apply for a card in the right category.

Cash Back Cards with Instant Approval

Cash back cards are popular because, well, who doesn’t love cash? These cards generally have a base reward level of $1 to $1.50 for each dollar spent on purchases.

Below are our top three choices of cash back cards.

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent
Discover it® Cash Back Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 24.99% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

Some also offer higher reward levels for purchases at specific types of merchants. The schemes for higher rewards generally fall into two types.

The first is tiered rewards, with one or more elevated reward levels permanently linked to specific merchant types. The second uses a quarterly rotating set of favored merchants that provide high rewards as long as you activate the category each quarter. Cards often limit the cash back on the higher reward levels to a specific amount of purchases per quarter.

Air Miles Cards with Instant Approval

If you are a frequent flyer, air miles cards may be just the ticket. Instead of cash back, they offer air miles you can use to book your next flight, or your next hotel stay.

The better cards allow you to use your miles to book flights with no blackout dates. See our favorites below.

AIR MILES RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 15+ leading travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ leading travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
14.49% - 24.49% (Variable)
$0
Excellent, Good

These cards often provide signup bonuses in which you can earn a mother lode of miles when you spend the specified amount on purchases during the first three months after opening the account. Some allow you to transfer your miles to their travel partners’ reward programs on a 1:1 basis.

Generally, you can also redeem your miles for reduced-rate or free stays at selected hotels.

Balance Transfer Cards with Instant Approval

A balance transfer is a way to consolidate your credit card debt to one card. The cards reviewed here all provide a period after account opening in which you will be charged 0% interest on balance transfers for a specified number of months.

A one-time fee may apply, generally around 3% for each transfer.

Discover it® Balance Transfer Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.49% - 24.49% Variable
$0
Good/Excellent

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.49% - 25.49% (Variable)
$0
Excellent, Good

By transferring your balances to one card, you simplify your monthly payment schedule and perhaps reduce your monthly minimum payments. The period of 0% interest is your opportunity to eliminate balances on your other cards.

However, do not close these other credit card accounts because doing so will reduce the age of your credit history and thereby hurt your credit score.

Student Cards with Instant Approval

Students are singled out for a credit card category because they frequently lack credit history. For many students, these cards will be the first cards they own.

That’s an important audience for issuers, who would like to build brand loyalty starting at an early age. The hope is that after the students enter the workforce, they will apply for a fancier credit card from the same issuer.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.9

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
19.49% Variable
$0
Fair/New to Credit
Discover it® Student chrome Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at Gas stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
19.49% Variable
$0
Fair/New to Credit

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

The perks on these cards vary. Some offer items like good-grade rewards, Cashback Match, and/or elevated reward levels on merchant categories favored by students, such as gas stations and restaurants.

You’ll also notice that many offer reasonable APRs given that students often have thin credit reports.

Business Cards with Instant Approval

If you’re a business owner, these credit cards allow you to build rewards from your own purchases and the purchases of employees. Most issuers will provide free cards to employees who earn rewards for the owner.

This can be especially lucrative when you have employees who frequently travel and therefore rack up rewards for flights, hotel stays, restaurant dining, and car rentals.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 22.49% Variable
$95
Good/Excellent
Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
14.74% - 20.74% Variable
$0
Good/Excellent
Discover it® Business Card Review

at Discover Card'ssecure website

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • INTRO OFFER: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.
  • Earn 1.5% cash back on every dollar spent on all purchases.
  • Redeem your cash back for any amount, any time. Your rewards never expire.
  • Track business expenses. Download transactions easily into Quicken, QuickBooks, and Excel.
  • Add up to 50 free employee cards.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 Months
N/A
14.49% to 22.49% Variable
$0
Excellent/Good

Business credit cards may offer elevated tiered or quarterly rewards in addition to their base reward level. Their benefits are usually geared to business expenses, such as supplies, travel, travel insurance, and dining.

Some cards single out business-to-business services, such as phone, internet, and cable, for higher rewards. Business cards often offer rewards in the form of miles or points.

Which Credit Cards Have Instant Approval?

The 21 credit cards in this review all offer an instant approval decision for a wide range of consumers, including the credit-challenged, students, frequent travelers, consolidators, and businesses.

Logos for Experian, Equifax, and TransUnion

Each bureau assigns you a credit score, so you should know all three.

Your credit score is one of the key determinants as to whether you will receive instant approval. That means you should know your credit scores from the three major credit bureaus — Experian, TransUnion, and Equifax.

You need all three because each credit bureau independently assigns you a score, and those scores can differ based on the unique information available to each bureau.

As we show, there are instant-approval credit cards for each credit type, from poor to exceptional. To increase the chances of approval, you can first research to find which of the three bureaus your credit card issuer uses in your state.

For example, you’ll find that Discover favors Equifax, Capital One pulls credit reports from all three bureaus, and Chase prefers Experian (although in some states it favors TransUnion).

Knowing which credit bureau your card uses is useful because it allows you to focus on cleaning up your credit report from that bureau first. By “clean up,” we mean remove errors that hurt your score.

You can attempt this yourself or hire a credit repair company to do the work for you. Several credit repair services can offer expert help for a reasonable fee.

Can I Use a Credit Card Immediately After Approval?

We recently reviewed 27 credit cards that offer same-day use. These cards allow you to use your account even before you receive the physical card.

Until the card arrives, you’re limited to card-not-present (CNP) purchases, either over the phone or online. This is usually implemented using virtual account numbers.

A virtual account number is cooked up by the credit card issuer and bears no relationship to your actual number. Most are one-time use only, but some can be reused.

Typically, you go online to a merchant and enter the virtual card number as you would the actual number. Single-use virtual cards limit the damage fraudsters can inflict if they happen to steal the virtual number.

Eno Virtual NumbersSome issuers offer virtual account numbers on all their cards. For example, you can use the Eno® feature to generate virtual Capital One card numbers.

Another issuer of virtual cards is Citibank, which offers this service on select Citi® cards. In addition, American Express offers its vPayment virtual card service, but only on business cards. Bank of America recently discontinued its ShopSafe® program that provided virtual cards.

Another alternative is to use a third-party service, such as Privacy, that issues virtual card numbers. You can limit a virtual number to a specific merchant, for specific dates, with pre-set spending caps. This keeps your card from being exposed to fraud at a different merchant and limits the damage the fraudster can do.

How Long Does It Take to Get a Credit Card in the Mail?

Typically, it will take seven to 10 days after approval to receive a credit card in your mailbox. That length of time is necessary to create the card, mail it, and wait for delivery. The issuers save money by using standard mail instead of one of the expedited services.

The major credit card issuers have created extremely efficient operations, which means that they can usually print your card and get it in the mail by the next business day. Some exceptions may take longer.

For example, some issuers offer heavy credit cards made of metal and other non-plastic materials. It may require more time to create one of these heavyweight cards.

Issuer Shipping Times

Discover is an issuer that has semi-expedited its card mailing service by using Priority Mail. You can expect to receive your Discover Card in three to five business days after approval.

This is an automatic feature that applies to all cards issued by Discover. In addition, the issuer will replace lost or stolen cards using overnight shipping.

Some other credit card issuers offer overnight shipping for lost, stolen, or damaged cards. They may offer the service for free or may charge a fee.

One example is Chase, which offers free overnight shipping if you ask for it. You can then expect the card to arrive in one to two days.

Capital One sometimes will provide expedited shipping, but it may require you to plead your case.

Ranking Methodology

Our rankings of the best credit cards with instant approval are categorized by credit score requirements, rewards offered, and special qualifying criteria, such as being a student or owning a business. We evaluated each card’s likelihood of approval for poor credit applicants, the ability to rebuild credit with responsible use, APRs and annual fees, 0% promotional periods, and other criteria relevant to this article.

CardRates’ reviews undergo a thorough editorial integrity process to ensure that content is not compromised by advertiser influence.