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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Sort Cards by: Name | Rating | Intro APR | APR | Annual Fee

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Capital One® Business Platinum with No Hassle Miles℠

0% APR on purchases until January 2010
0% APR on transferred balances until January 2010
1 mile for each purchase dollar spent
No Annual Fee
No miles expiration - keep them for the life of your account
Fly any airline, with no blackout dates or seat restrictions
See Capital One® important disclosures for more information

0%*Intro APR

January 2010*Intro Period

as low as 9.99% (V)*APR

$0.00*Annual Fee

5.0

Kiva Business Credit Card

Advanta Will Match Your Grant to Kiva...Dollar For Dollar
0% On Balance Transfers For 15 Months, and 7.99% Fixed APR Thereafter
5% Statement Credit On Your First $1,200 Each Year in Grants to Kiva, Charitable Donations and Other Purchases*
No Annual Fee
$0 Fraud Liability *See Terms and Conditions for Important Information, Benefits, and Limitations

0%*Intro APR

15 months*Intro Period

7.99%*APR

$0.00*Annual Fee

5.0

Blue from American Express®

Membership Rewards Express program
0% APR on purchases for up to 12 months
No Annual Fee
Balance transfer requests submitted on application receive APR of 2.99% for 12 months. Then, the standard APR for purchases will apply
Express Approval. Get a decision in less than 60 seconds.

0%*Intro APR

Up to 12 months*Intro Period

as low as 12.49%*APR

$0.00*Annual Fee

4.5

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 APR - 2.99% for 12 months
Express Approval - Get a decision in less than 60 seconds

0%*Intro APR

12 months*Intro Period

as low as 12.49%*APR

$0.00*Annual Fee

4.5

Hilton Hhonors® Platinum Card from American Express

10,000 bonus points with your very first purchase*
2,500 Hilton HHonors bonus points for each of your first 4 stays at any Hilton Family Hotel
15,000 bonus points after you spend $5,000 in 5 months
3 Hilton HHonors® bonus points for each $1 spent**
Express Approval. Get a decision in less than 60 seconds.

2.9%*Intro APR

6 months*Intro Period

14.49%*APR

$0.00*Annual Fee

4.5

American Express® Preferred Rewards Gold Card

10,000 Membership Rewards bonus points after your first purchase with the card - redeemable for a $100 gift card!
No Pre-Set Spending Limit
Earn 1 Membership Rewards point for every $1 you spend
Global Assist Plus Hotline and many more benefits
No annual fee for the first year - $125 Thereafter
Express Approval. Get a decision in less than 60 seconds.

N/A*Intro APR

N/A*Intro Period

N/A*APR

$0.00*Annual Fee

4.5

American Express® Preferred Rewards Green Card

5,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $50 gift!
Choose rewards from over 21 airlines & transfer points to 11 frequent flyer programs*
Many other travel and shopping benefits*
No Preset Spending Limit- First year fee-free
$95 Thereafter

N/A*Intro APR

N/A*Intro Period

N/A*APR

$0.00*Annual Fee

4.5

Capital One® Business Platinum with No Hassle Cash℠

0% APR on purchases and balance transfers until January 2010
Earn 1% cash back on everything you buy from day one
Get a 25% bonus each year on the cash you earned the previous year
No Hassle Cash is easily and quickly redeemable online or by phone
No Annual Fee

0%*Intro APR

January 2010*Intro Period

as low as 14.99% (V)*APR

$0.00*Annual Fee

4.5

HSBC Platinum MasterCard® with Cash Back Rewards

Unlimited 1% Cash Back Rewards On New Net Retail Purchases, Everywhere You Shop!
No Earnings Caps, Spending Categories, Tiers, or Point Expiration
Platinum Benefits Include Unlimited Purchases Protection, Extended Warranties, and Rental Car Insurance
0% Introductory APR On Card Purchases and Balance Transfers for 12 Months and No Annual Fee.*
Instant Decision In As Little As 60 Seconds

View Details
Terms & Conditions |
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0%*Intro APR

12 months*Intro Period

8.90% - 19.80%*APR

$0.00*Annual Fee

4.5

Blue Sky from American Express®

0% Intro APR for up to 12 months on purchases
Low Balance Transfer APR - 2.99% for 12 months
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

12 months*Intro Period

as low as 12.49%*APR

$0.00*Annual Fee

4.0

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

JetBlue Card from American Express

Get 50 TrueBlue points after your first purchase
Earn one Award Dollar for virtually every dollar you spend
Double rewards on entertainment, leisure, travel and dining
The annual fee is only $40
Express Approval. Get a decision in less than 60 seconds.

3.99%*Intro APR

6 months*Intro Period

14.49%*APR

$40.00*Annual Fee

4.0

Continental Finance Gold Master Card

Rates As Low as 9.75% APR*
Unsecured MasterCard Accepted at Millions of Locations Worldwide
Monthly Reporting to the Major Credit Bureaus
FREE Online Access
Excellent Online Tools for Managing Your Finances
Semi-Annual Credit Limit Increases*
Prestige of Carrying a Gold Card
*See Website for Other Fees, Rates, and Terms and Conditions

N/A*Intro APR

N/A*Intro Period

9.75%*APR

$25.00*Annual Fee

4.0

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

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

14.49%*APR

$0.00*Annual Fee

4.0

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 13.49%*APR

$0.00*Annual Fee

4.0

Total Visa® Card

Instant On-Line Decision
Free 24 hour Online Account Access
Monthly Reporting to All Major Credit Bureaus
Fraud Protection
Outstanding Customer Service

N/A*Intro APR

N/A*Intro Period

19.92%*APR

$48.00*Annual Fee

3.5

Starwood Preferred Guest® Credit Card

Earn 10,000 Starpoints with your first purchase
Earn 15,000 Starpoints after you spend $15,000 in 6 months
Winner "Best Affinity Credit Card" at the 19th Annual Freddie Awards -- voted on by frequent travelers
Transfer Starpoints almost always on a 1:1 basis to the frequent flyer programs of over 30 major airlines
No annual fee for the first year and $45 thereafter
Express Approval. Get a decision in less than 60 seconds.

2.9%*Intro APR

6 months*Intro Period

14.49%*APR

$0.00*Annual Fee

3.5

Capital One Business Platinum with Double No Hassle Miles℠

Earn two miles for each purchase dollar spent — that's twice as much value as you'd earn in our standard program
Redeem miles for travel, cash back, merchandise and more
No limit on the miles you can earn
No miles expiration—keep them for the life of your account
Fly on any airline with no blackout dates or seat restrictions
$0 annual fee for the first year, $39 after that

N/A*Intro APR

N/A*Intro Period

17.99% (V)*APR

$39.00*Annual Fee

3.5

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

13.99%*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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