Instant Decision Card Offers

First, let me assure you, instant decision cards do not give you a decision instantly. Also, they do not guarantee to approve your application. However, you can get an answer, after you apply for a card online, in as little as 60 seconds. The time lapse depends on the speed of your internet connection and the information you supply in your application. If you have an excellent credit history and a fast connection you may be approved before you can take another sip of your mocha latte. If you credit is nonexistent or less than pristine, you may have to wait longer for an answer. Compare the various 'instant decision' cards and decide which one seems to be appropriate for you situation. This means comparing the various credit card companies on special introductory offers, rewards, interest rate and personalization options. You will still have to wait to receive your card the old fashion way. If you do not agree with or understand their decision, contact the card issuer for clarification.

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Gold Delta SkyMiles® Business Credit Card from American Express OPEN

Who is this card for? This card is ideally suited for businesses that:
Are established, cash flow positive and have an excellent credit history.
Have revenue in the 6 to 7-figure range that want more flexibility to manage cash flow, purchase materials and handle other business expenses
Save a total of $250 off Delta flights
Earn 20,000 miles upon your first purchase on the Card
Sign up for two Additional Cards and earn 5,000 bonus miles
Use miles to pay for any Delta seat, anytime - - no black out dates and no seat restrictions
25,000 miles may also be redeemed for a domestic economy award ticket
No annual fee for the first year - a savings of up to $95
No annual fee for Additional Cards
Annual $99 Companion Certificate
Save 3-25% on business expenses from FedEx, Hertz®, Hyatt Hotels and Resorts® and more

N/A*Intro APR

N/A*Intro Period

Prime + 11.25%*APR

N/A*Annual Fee

3.0

Business Green Rewards Card from American Express OPEN

Receive 5,000 bonus points on your first purchase.
No pre-set spending limit* or finance charges
Earn One Membership Rewards® point for virtually every dollar you spend with no limits and no expiration dates
Save 3–25% on business expenses from FedEx, JetBlue®, Hertz®, Hyatt Hotels and Resorts® and more
Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
No annual fee for the first year - a savings of $95

N/A*Intro APR

12 months*Intro Period

N/A*APR

N/A*Annual Fee

4.0

Fingerhut Credit

No down payments, no layaway and no surprises
Get respond in 60 seconds
No annual fee
Name brand products at affordable monthly payments
We often say "YES!" when others say "No"
See website for complete Terms & Conditions

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N/A*Intro APR

N/A*Intro Period

Prime Rate + 16.65%*APR

N/A*Annual Fee

4.5

Orchard Bank® Visa® Cards

Acceptance at millions of locations including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns
Annual fee is $0-$74 the first year

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N/A*Intro APR

N/A*Intro Period

from 14.90% to 24.90%*APR

N/A*Annual Fee

3.5

Blue from American Express®

0% Intro APR for 6 months on purchases
No Annual Fee
Earn Membership Rewards® points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
Express Approval. Get a decision in less than 60 seconds.

0%*Intro APR

6 months*Intro Period

as low as 15.24%*APR

$0.00*Annual Fee

4.5

Blue Cash® from American Express

When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
No Annual Fee
0% Intro APR for 6 months on purchases
Express Approval. Get a decision in less than 60 seconds.

0%*Intro APR

6 months*Intro Period

as low as 17.24%*APR

$0.00*Annual Fee

4.5

Ultra VX Visa Credit Card

UltraVX makes it easy to manage your finances
Automatic minimum payments
Reports to all 3 major credit bureaus
No credit check, no bank account required
Instant online approval
Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions (Subject to terms and conditions)

N/A*Intro APR

N/A*Intro Period

18.90%*APR

$0.00*Annual Fee

4.5

Discover® Student Card - Tropical Beach

Earn more cash in more ways than anyone elseSM*
Unlimited cash rewards, automatically
0% Intro APR on purchases for 6 months
Up to 20% Cashback Bonus® when you shop online*
Easiest online account management options
$0 fraud liability
No annual fee

0%*Intro APR

6 months*Intro Period

14.99%*APR

$0.00*Annual Fee

2.5

The Business Platinum Card® from American Express OPEN

Complimentary airport club access, including American Airlines Admirals Club® lounges
Concierge service to assist with your business needs from gift giving to dinner reservations
Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club®, Avis Preferred®, and Emerald club from National® Car Rental
The Platinum Office Program, offering access to 1,000 internet-equipped business lounges in 450 major cities worldwide
Enrollment in the Membership Rewards First® program
No pre-set spending limit*
Save 3–25% on business expenses from FedEx, JetBlue®, Hertz®, Hyatt Hotels and Resorts® and more

0%*Intro APR

N/A*Intro Period

N/A*APR

$0.00*Annual Fee

4.5

Discover® More® Card - American Flag

0% APR on Balance Transfers and Purchases for a Full 6 Months
5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
Instant Response Within 60 Seconds
No Annual Fee

0%*Intro APR

See T&C.*Intro Period

10.99%*APR

$0.00*Annual Fee

4.0

Gold Delta SkyMiles® Credit Card

Up to 25,000 bonus miles. Equal to $250 off Delta flights.
Use miles to pay for any Delta seat, anytime - no black out dates and no seat restrictions
25,000 miles may also be redeemed for a domestic economy award ticket
Earn SkyMiles for every eligible $1 spent
Express Approval. Get a decision in less than 60 seconds.

9.99%*Intro APR

Life of Balance*Intro Period

14.50%*APR

$0.00*Annual Fee

4.0

Blue Sky from American Express®

0% Intro APR for 6 months on purchases
Earn 1 point for every dollar you spend
Points good on any airline, hotel, car rental and more.
No blackout dates or travel restrictions
Express Approval. Get a decision in less than 60 seconds.

0%*Intro APR

6 months*Intro Period

as low as 17.24%*APR

$0.00*Annual Fee

4.0

Discover® More® Card - Clear

0% APR on Balance Transfers and Purchases for a Full 6 Months
5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
Instant Response Within 60 Seconds
No Annual Fee

0%*Intro APR

See T&C.*Intro Period

11.99%*APR

$0.00*Annual Fee

4.0

Discover® Student Card - Clear

Make your money worth MoreSM*
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus when you shop online*
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
Customer Service in less than a minute, anytime you want

0%*Intro APR

6 months*Intro Period

14.99%*APR

$0.00*Annual Fee

3.0

Discover® More® Card

0% APR on Balance Transfers for a FULL 12 Months
0% APR on Purchases for a FULL 6 Months
5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
Up to 1% Unlimited Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
Instant Response Within 60 Seconds
No Annual Fee

0%*Intro APR

See T&C.*Intro Period

11.99%*APR

$0.00*Annual Fee

4.0

The Plum Card® from American Express OPEN

Who is this card for? This card is ideally suited for businesses that:
Are established, cash flow positive and have an excellent credit history.
Have revenue in the 6 to 7-figure range that want more flexibility to manage cash flow, purchase materials and handle other business expenses
The Everything, Everywhere Trade Terms Card(SM)
A powerful cash flow management tool
1.5% early pay discount or up to 2 months defer pay, interest
No annual fee for the first year - a $185 savings
Meet the American Express OPEN Charge Card that offers trade terms on virtually everything you purchase. The Plum Card.
Pay in full within ten days, get a 1.5% discount.
OR pay as little as 10% and take up to 2 months to pay off the balance, interest free. *See how your business can benefit from everything, everywhere trade terms. The opportunity for using trade terms is the reason many businesses continue to use cash. But now your business can receive trade terms on purchases virtually everywhere the Plum Card is accepted. So pay early to receive a discount or defer payment - it's your choice.

N/A*Intro APR

N/A*Intro Period

N/A*APR

$0.00*Annual Fee

4.5

Discover® More® Card - Biodegradable

New biodegradable card plastic breaks down 99% within five years in landfill conditions and leaves no toxic effects behind -- Go Green!
0% APR on Balance Transfers and Purchases for a Full 6 Months
5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
1% Unlimited Cashback Bonus on All Other Purchases Automatically
Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
Instant Response Within 60 Seconds
No Annual Fee

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0%*Intro APR

See T&C.*Intro Period

11.99%*APR

$0.00*Annual Fee

5.0

American Express® Premier Rewards Gold Card

15,000 Membership Rewards(R) bonus points when you spend - $1,000 in your first 3 months of Card membership
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 $30,000 per calendar year
No annual fee for your first year, a savings of $175

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N/A*Intro APR

N/A*Intro Period

N/A*APR

$0.00*Annual Fee

4.5

Discover® More® Card - Sealife Collection

5% Cashback Bonus in categories that change
1% Cashback Bonus on all other purchases**
6 different Sealife card designs
$0 Fraud Liability Guarantee
Instant decision card
No annual fee
Advanced fraud early warning alerts
Secure online account numbers

0%*Intro APR

See T&C.*Intro Period

10.99%*APR

$0.00*Annual Fee

4.0

Discover® More® Card - Wildlife Collection

0% APR on Balance Transfers and Purchases for a Full 6 Months
5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
Instant Response Within 60 Seconds
No Annual Fee

0%*Intro APR

See T&C.*Intro Period

10.99%*APR

$0.00*Annual Fee

4.0

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Always review the terms and conditions that apply to any offer when making an online application. While every effort is made to ensure the accuracy of the information we provide, changes can occur without notice at any time. All information on credit cards is given without warranty. Certain restrictions, limitations and exclusions apply. Check your Guide to Benefits for details when you open your account.

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