Instant Approval Credit Cards | Which One Is Best For You

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What Are Instant Approval Credit Cards?

Instant approval credit cards are a great way to get the cash you need right now. 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 to do so. Most people apply online or in person:

Online Application

There are many websites online where you can 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 be approved instantly. This means you can start using your new card as soon as possible.

In Person

Apply for an instant approval credit card at one of your bank’s branches. Identify what time they open and visit them to submit your application. You can speak with a customer service representative for further help when you visit.

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
  • There are many other options
  • Policies of significant issuers concerning instant credit access

American Express Blue Cash Preferred(r), card

Our pick for Intro APR

We love

American Express Blue Cash Privilege(r) card offers a solid APR rate. For purchases lasting 12 months, the introductory APR is 0 %. After that, you will receive an ongoing APR of 13.99% to 23.99%.

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

We love

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 rewards credit points, an annual fee of $955, and as many as 200 points.

How To Use It Now

To be eligible for an instant number, you must have at least one Bank of America Account. You can apply via the app.

Amazon Prime Rewards Visa Signature Card

There are two options: a gift card or a storecard

We love

Amazon Prime Reward Visa Signature Card provides a high 5% reward when shopping at Whole Foods Markets and Amazon. Amazon Prime Reward Visa Signature Card offers an excellent 5% reward when shopping at Whole Foods Markets or Amazon.

How To Use It Now

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

United(sm) Explorer Card

We choose an airline card

We love

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 make purchases. You will need to wait for your physical card.

Upgrade Triple Cash Rewards Visa(r).


We love

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

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

You can use it to obtain a personal loan. Once the funds have been transferred into your bank account, the interest rate will be set.

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.

Credit card SoFi

SoFi customers

We love

The SoFi Credit Card can be used as a primary cashback credit. Twelve timely payments will lower the APR by 1 %.

How To Use It Now

Cardholders can instantly add their card to a virtual wallet and start using it immediately after approval.

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.
  • Deserve your first digital card. You can use it instantly through Apple Pay.
  • Add the HMBradley Bank Card to your Apple Wallet.
  • PayPal Cashback Mastercard r, which allows instant PayPal payments (r), is now available.
  • Synchrony offers Rakuten a cashback Visa Credit Card.
  • You can instantly access the Triple Cash Rewards Visa(r) and the Upgrade Card.
  • After approval, you can access the Venmo credit card issued to Synchrony immediately. You can add the card to any digital wallet, accept Apple Pay.

Which One Does RixLoans Recommend?

Rixloans says that American Express is the best option for instant credit access. You can access your card from anywhere if you can verify your identity.

Loans Writer at Rixloans

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.

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