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Instant Approval Credit Cards

With following instant approval credit cards, you can apply online and, if qualified, usually receive notice via email of your acceptance within seconds of completing an online credit card application. Please note that in order to receive an instant approval online, you must usually have good to excellent credit. Although issuers strive to provide instant approval whenever possible, more time may be needed in certain circumstances to determine if your application is approved.

• Earn up to 25,000 Starpoints ® — enough for up to 6 free nights at a category 1 or 2 hotel.
• Use Starpoints® for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
• No annual fee for the first year and $45 thereafter
• Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
• Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
• Express Approval. Get a decision in less than 60 seconds.

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(Last updated date: 2009-09-28)

• $50 in Cashback Bonus after $599 of spend in the first 3 billing cycles
• 5% Cashback Bonus on Get More purchases in popular categories that change four times a year like home, apparel and more*
• 5% to 20% Cashback Bonus at top online retailers through our exclusive online shopping site, ShopDiscover
• Up to 1% unlimited Cashback Bonus on all other purchases automatically
• Unlimited cash rewards that never expire
• Increase, even double, your rewards when you redeem for gift cards or instant eCertificates from over 100 Cashback Bonus Partners
• No Annual Fee
• Get a response within 60 seconds

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(Last updated date: 2009-12-08)

• Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
• The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
• Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
• Express Approval. Get a decision in less than 60 seconds.

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(Last updated date: 2009-09-17)

• Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
• Earn one companion Coach Class ticket each year upon renewal
• Earn at least 1 mile for every eligible dollar spent
• Miles never expire and there is no cap on the miles you can earn
• Pay with Miles: Pay for all or part of your flight with miles – and put the rest on your Card
• Express Approval. Get a decision in less than 60 seconds.

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(Last updated date: 2009-10-03)

• Earn Membership Rewards® points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
• Earn 15,000 Membership Rewards® bonus points when you spend $1,000 in your first 3 months of Card membership redeemable for up to $150 in gift Cards upon point credit at participating retail, dining, and entertainment partners.
• You can earn an extra 15,000 bonus points (good for rewards valued at $150) each year when you spend $30,000 in a calendar year.
• No annual fee for your first year of membership, then $175

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(Last updated date: 2009-10-27)