Instant Decision Credit 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 Rewards Card from American Express OPEN

Gold Rewards Card from American Express OPEN

Up to 40,000 bonus points in one year
No limit to the number of Rewards points you can earn
No annual fee for the first year - a savings of $125
No pre-set spending limit* and no finance charges
Save 3-25% on business purchases at companies like FedEx, Delta, Hertz, and more.
Automatic Complimentary enrollment in the Membership Rewards® program

N/A*Intro APR

N/A**Intro Period

N/A*APR

N/A*Annual Fee

4.0

Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

5,000 bonus points on your first purchase
One Membership Rewards point for virtually every dollar you spend with no limits and no expiration dates
Save 3-25% on business purchases at companies like FedEx, Delta, Hertz, and more
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

Citi® Professional Card with Thank You Network

Citi Professional Card with Thank You Network

0% Intro APR on Purchases for 12 months
10,000 bonus ThankYou Points after $250 in purchases, redeemable for a $100 gift card
3 Thank You Points for every $1 spent at restaurants, gas stations, and certain office supply merchants*
1 point for every dollar spent on all other purchases
Categorized monthly / quarterly / annual statements

0%*Intro APR

12 months*Intro Period

10.99%*APR

$0.00*Annual Fee

3.5

Blue from American Express®

Blue from American Express

Membership Rewards Express program
0% APR on purchases for up to 15 months
No Annual Fee
Low Balance Transfer APR (4.99% Fixed APR for the life of the balance)
Express Approval. Get a decision in less than 60 seconds.

0%*Intro APR

Up to 15 months*Intro Period

As low as 8.99%*APR

$0.00*Annual Fee

4.5

Discover® More℠ Card - Wildlife Collection

Discover More Card - Wildlife Collection

0% Introductory APR*
5% to 20% Cashback Bonus at top online retailers*
5% Cashback Bonus® in categories that change four times a year
1% Cashback Bonus on all other purchases**
6 different Wildlife card designs

0%*Intro APR

Up to 12 months*Intro Period

10.99%*APR

$0.00*Annual Fee

4.0

Total Merrill℠ Cash Back Card

Total Merrill Cash Back Card

1% Cash Back on Virtually All Purchases
No Annual Fee
Low 9.99% APR for Retail Purchases
Credit Line may be as high as $250,000
Cash Back Rewards Can be Deposited Directly into Your Merrill Lynch Account
Receive a response in 60 seconds

1.9%*Intro APR

12 months*Intro Period

9.99%*APR

$0.00*Annual Fee

4.5

Discover® More℠ Card

Discover More Card

0% Introductory APR*
More ways to earn more cash - than anyone else*
5% to 20% Cashback Bonus at top online retailers*
5% Cashback Bonus®* in categories that change four times a year
1% Cashback Bonus® on all other purchases*

0%*Intro APR

6 months*Intro Period

10.99%*APR

$0.00*Annual Fee

4.0

Discover® More℠ Card - American Flag

Discover More Card - American Flag

0% Intro APR*
Up to 20% Cashback Bonus when you shop online
Full 5% Cashback Bonus® on 'Get More' program purchases throughout the year**
Up to 1% Cashback Bonus on all other purchases**
No annual fee

0%*Intro APR

Up to 12 months*Intro Period

10.99%*APR

$0.00*Annual Fee

4.0

Blue Sky from American Express®

Blue Sky from American Express

0% Intro APR for up to 12 months
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
1 point for every $1 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

12 months*Intro Period

As low as 9.99%*APR

$0.00*Annual Fee

4.0

One from American Express®

One from American Express

No Pre-Set Spending Limit
Get $50 after Your First Purchase
Earn a Competitive Annual Percentage Yield (APY), Currently 2.75% (Variable Rate)
Never Pay Interest on New Purchases
The Savings Accelerator(SM) Plan Contributes 1% of Eligible Purchases into an FDIC-Insured High-Yield Savings Account in Your Name
No Annual Fee for the First Year - A $35 Savings

N/A*Intro APR

N/A*Intro Period

As low as 10.99%*APR

$0.00*Annual Fee

4.0

Discover® More℠ Card - Clear

Discover More Card - Clear

0% Introductory APR*
5% Cashback Bonus(R)*in popular categories that change four times a year
5% to 20% Cashback Bonus at top online retailers*
$0 Fraud Liability & FREE additional Cards

0%*Intro APR

Up to 12 months*Intro Period

10.99%*APR

$0.00*Annual Fee

4.0

Citi® Premier Pass™ Credit Card

Citi Premier Pass Credit Card

10,000 bonus points after $300 in purchases made within 3 months of account opening*
1 point for every dollar spent on all purchases*
1 point for every 3 miles you fly on any airline*
1 point for every 3 miles friends and family fly on tickets purchased with your card*
Redeem points for flights on any airline with no blackout dates* * See Terms and Conditions

0%*Intro APR

Up to 12 months*Intro Period

As low as P + 6.99%*APR

$0.00*Annual Fee

3.5

Clear Card from American Express®

Clear Card from American Express

No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees
Get $25 worth AMEX shopping card when you spend $2,500
Flexible Payment Terms
User-friendly credit report and score
World class Cardmember benefits

0%*Intro APR

12 months*Intro Period

As low as 9.99%*APR

$0.00*Annual Fee

4.0

American Express® Platinum Business Card

American Express Platinum Business Card

Option to enroll in the Membership Rewards Express® program
There's no limit to the number of points you can earn
3-25% savings on business purchases
0% APR for the first 12 months
No annual fee and fee-free Additional Cards

0%*Intro APR

12 months*Intro Period

As low as P + 2.99%*APR

$0.00*Annual Fee

4.5

Blue Cash® from American Express

Blue Cash from American Express

Earn up to 5% cash back on everyday purcahses - even gas!
No annual fee
0% Intro APR for up to 12 months on purchases
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
Express Approval - Get a decision in less than 60 seconds

0%*Intro APR

12 months*Intro Period

As low as 8.99%*APR

$0.00*Annual Fee

4.5

Discover® More℠ Card - Sealife Collection

Discover More Card - Sealife Collection

5% Cashback Bonus® in categories that change four times a year
5% to 20% Cashback Bonus at top online retailers*
1% Cashback Bonus on all other purchases**
6 different Sealife card designs

0%*Intro APR

Up to 12 months*Intro Period

10.99%*APR

$0.00*Annual Fee

4.0

Citi® Gold AAdvantage® World Master Card

Citi Gold AAdvantage World Master Card

15,000 AAdvantage® bonus miles after you make $750 in purchases within 4 months
NO ANNUAL FEE for 12 months
1 American Airlines AAdvantage® mile for every $1 you spend on eligible purchases - up to 60,000 miles per year
No blackout dates for AAdvantage® award travel on American Airlines, American Eagle & AmericanConnection® carriers
Reduced Mileage Awards - 5,000 fewer AAdvantage® miles to select destinations

N/A*Intro APR

N/A*Intro Period

14.99%*APR

$0.00*Annual Fee

2.5

Citi® Platinum Select® / AAdvantage® World Master Card

Citi Platinum Select / AAdvantage World Master Card

1 AAdvantage® mile for every $1 you spend on eligible purchases
No blackout dates for AAdvantage® award travel on select carriers
Reduced Mileage Awards
No pre-set spending limit
No annual fee for 12 months, $85 thereafter

N/A*Intro APR

N/A*Intro Period

14.99%*APR

$0.00*Annual Fee

2.5

Discover® Open Road℠ Card

Discover Open Road Card

0% Intro APR*
5% Cashback Bonus® on gas & auto maintenance*
Up to 1% Cashback Bonus® on all other purchases*
Unlimited cash rewards that never expire
No Annual Fee

0%*Intro APR

6 months*Intro Period

10.99%*APR

$0.00*Annual Fee

4.0

Discover® Student Card - Clear

Discover Student Card - Clear

Easiest online account management options
0% Interest* on Purchases for 6 Months
5% Cashback Bonus® in categories that change four times a year
1% Cashback Bonus® on all other purchases

0%*Intro APR

6 months*Intro Period

14.99%*APR

$0.00*Annual Fee

3.0

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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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