What Are Instant Approval Credit Cards?

Instant approval credit cards are a great way to get the needed cash. You can use them for any purpose, including paying bills and buying groceries. You don’t have to wait days or weeks to receive your money, which means you can use it immediately. If you want to apply for an instant approval card, there are several different ways. Most people apply online or in person:

Online Application

Many websites online allow you to apply for an instant approval credit card. Some sites require you to fill out a form, while others allow you to click through a few screens. Once you complete the application process, you should receive a response within minutes. In most cases, you will get instant approval. It means you can start using your new card as soon as possible. Credit card issuers often provide instant access to an instant credit card number you can use for eligible purchases even before receiving the physical credit card.


When applying for instant approval cards in person, you can complete a credit card application at a bank or a financial institution. The representative will submit the application, and if you qualify, the process expedites the credit check, and you’ll get approval on the spot. Just like online applications, in-person applications for instant card will give you immediate access to the credit limit granted by the card issuer. Remember always to pay your bills on time to maintain a healthy credit score.

In some cases, if you don’t have an established credit history or a low credit score, the provider may require you to opt for a secured card or a secured credit card. These cards usually require a deposit to grant you a credit limit, ensuring you can make time payments even if you default. With responsible usage, a secured card can help you improve your credit score over time, paving the way for instant approval cards.

Apply for an instant approval credit card at one of your bank’s branches using online credit card applications. Before visiting, check your credit report and ensure you have an excellent credit history. Identify their business hours and visit them to submit your application. Access to online banking can make the process faster, especially on business days. When you visit the branch, you can speak with a customer service representative for further help understanding credit requirements and the chances of credit approval based on your credit profile.

Instant approval credit cards chart

What Are The Top Instant Approval Credit Cards Reviewed By RixLoans?

  • American Express Blue Cash Preferred(r), card
  • Bank of America (r), Premium Rewards (r), credit card
  • Amazon Prime Rewards Visa Signature Card
  • United(sm) Explorer Card
  • Upgrade Triple Cash Rewards Visa(r).
  • SoFi Credit Card
  • Unsecured credit card options
  • Policies of significant issuers concerning instant credit card approval and real-time access to credit

American Express Blue Cash Preferred(r), card

Our pick for Intro APR

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American Express Blue Cash Privilege(r) card offers a solid APR rate for those with minimum credit scores. For purchases lasting 12 months, the introductory APR is 0 %. After that, you will receive an ongoing APR of 13.99% to 23.99% based on your credit history.

How To Use It Now

Cardholders who are eligible will be approved online. They can then receive an instant number.

Bank of America (r), Premium Reward Credit Card

We choose: Tourism

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1.5 points for every $1 spent traveling. The Bank of America Premium Rewards Credit Card will earn 1.5 points. You can earn up to $200 in statement credit points, an annual fee of $955, and as many as 200 points. This card has a good rewards rate and works well with your spending habits. It’s ideal for everyday purchases and offers great rewards programs.

How To Use It Now

You must have at least one Bank of America Account to be eligible for an instant number. You can apply via the app. Remember that this is an unsecured card, and the credit card company might have a certain credit score requirement or minimum credit history.

Amazon Prime Rewards Visa Signature Card

There are two options: a gift card or a storecard

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Amazon Prime Reward Visa Signature Card provides a 5% reward when shopping at Whole Foods Markets and Amazon. Amazon Prime Reward Visa Signature Card offers an excellent 5% cash back rewards when shopping at Whole Foods Markets or Amazon. This card is also great for online purchases and streaming services.

How To Use It Now

If approved, you can get one of the instant use cards provided by the major credit bureaus. This way, you can enjoy the benefits of the Amazon Prime Rewards Visa Signature Card immediately.

Once your card is approved, you can access it through Amazon. Before using your card on other purchases, you must wait for it to arrive.

United(sm) Explorer Card

We choose an airline card

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Sign up now to earn 10,000 bonus miles when you fly United.

Earn 2 miles for every $1 spent on United, Restaurant Reservations, and Hotel Reservations. All other purchases earn 1 Mile.

How To Use It Now

Once your card is approved, you can access your MileagePlus account with United Airlines to purchase. You will need to wait for your physical card.

Upgrade Triple Cash Rewards Visa(r).


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The Upgrade Triple Cash Rewards Visa(r) is a hybrid personal credit/personal loan from Sutton Bank that offers cashback and unique rewards structures.

You can use this to obtain a Visa credit card wherever Visa is accepted.

For those with limited credit history or poor credit

The Upgrade Triple Cash Rewards Visa(r) allows for an initial credit application without requiring a Social Security number or security deposit. That makes it a great option for those looking to build or improve their credit scores.

Building excellent credit scores

To help increase your credit limit subject to approval, make consistent payments on time and keep your account in good standing. It will also improve your overall creditworthiness over time.

Instant use credit card for online shopping

The Upgrade Triple Cash Rewards Visa(r) offers instant approval, allowing you to start making purchases in real-time.

Months on purchases and monitoring your account

With the Upgrade Triple Cash Rewards Visa(r), you have the flexibility to monitor your account in real time and can take advantage of the months on purchases feature.

Streamlined credit application process

The streamlined credit application process makes the Upgrade Triple Cash Rewards Visa(r) attractive for individuals seeking quick and easy credit decisions.

You can use it to obtain a personal loan. The lender will set the interest rate after transferring the funds into your bank account.

How To Use It Now

Once approved, log in to your online account and get your temporary virtual credit card. You can use it until you get your physical card. Remember that additional deposit might sometimes be required for conditional approval. The real time update on your approval status helps you stay informed.

Credit card SoFi

SoFi customers

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The SoFi Credit Card can serve as a primary cashback credit. Twelve timely payments will lower the APR by 1 %. Be cautious of any unauthorized charges as they can impact your credit score. The instant decision by the credit issuers makes the process quick and hassle-free. You can use this card for retail purchases to increase your chances of approval for higher credit limits.

How To Use It Now

Cardholders can instantly add their card to a virtual wallet and start using it immediately after approval. Ensure that it is an eligible card for the services you are interested in. Remember that the pre-approval helps simplify the application process, but it’s essential to meet the age requirements and make minimum payments on time to avoid late payments. The instant credit decision allows you to start accessing your credit line sooner.

There are many other options.

Many credit cards offer instant credit access.

  • Goldman Sachs was issued an Apple Card. You can use this card immediately through Apple Pay for combined purchases.
  • Deserve your first digital card with a refundable security deposit. You can use it instantly through Apple Pay after pre-approval.
  • Add the HMBradley Bank Card to your Apple Wallet for a quick decision on eligible cardholders.
  • PayPal Cashback Mastercard r, which allows instant payments (r), is now available. Credit Score ranges may apply.
  • Synchrony offers Rakuten a cashback Visa Credit Card with a cash deposit option.
  • You can instantly access the Triple Cash Rewards Visa(r) and the Upgrade Card with cardholder benefits.
  • After approval, you can access the Venmo credit card issued to Synchrony immediately. You can add the card to any digital wallet, including Apple Pay, during the decision process.

Which One Does RixLoans Recommend?

Rixloans says that American Express is the best option for instant credit access, even if you don’t have perfect credit. You can access your card from anywhere, like a mobile device, for educational purposes if you can verify your identity. Consider combined purchases and pre-approval when choosing a card.

Frequently Asked Questions

What are instant approval credit cards, and how do they differ from traditional credit cards in terms of the application process?

Instant approval credit cards provide near-immediate decisions on applications, instead of approval taking days. Issuers automate approval processes.

Are there specific eligibility criteria or credit score requirements associated with instant approval credit cards?

Each issuer sets eligibility criteria, often including minimum credit scores around 640-700. Those with poor credit are less likely to qualify.

How can I find reputable issuers or providers known for offering instant approval credit cards?

Compare offers from major issuers. Pre-qualifying online can help identify instant approval odds.

What are the benefits and potential drawbacks of using instant approval credit cards, and how can I make the most of them?

Benefits include fast access to credit. Drawbacks may be lower lines or higher rates. Be sure to compare card features and rewards when selecting one.

How quickly can I expect to receive my instant approval credit card after applying, and are there any steps I should take to expedite the process?

Instant approval cards arrive within 7-10 days typically. Opting for email delivery of documents can accelerate the process in some cases.

Kimberly Chantal Parkes

Kimberly Chantal Parkes is a former contributor to Rixloans. Kimberly Chantal is a freelance copy editor and writer with a specialization in personal financial planning. After having graduated from Kansas State University with a bachelor's degree in journalism, she began her career in media wearing many hats for community newspapers within the Kansas City area: writer as well as copy editor, photographer and coffee runner among other things.