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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Continental Finance Master Card

Get Your Application Results in Seconds
Monthly reporting to the Major Credit Bureaus
Free Online Access
Excellent Online Tools for Managing Your Finances
Semi-annual credit limit increases*
No Minimum Monthly Income Requirements
Unsecured Master Card Accepted at Millions Locations

N/A*Intro APR

N/A*Intro Period

19.92%*APR

$50.00*Annual Fee

2.0

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

Continental Finance Gold Master Card

Rates as low as 9.75% APR*
Unsecured Master Card Accepted at Millions Locations
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

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

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

Citi® Premier Pass™ Elite Level Card

20,000 bonus points after $600 in purchases made within 3 months of account opening*
2 points for every dollar spent on everyday purchases and 1 point for all other purchases*
1 point for every mile you fly on any airline*
1 point for every mile friends and family fly on tickets purchased with your card*
Get a complimentary companion ticket when you buy a qualifying ticket*

N/A*Intro APR

N/A*Intro Period

As low as P + 8.99%*APR

$75.00*Annual Fee

3.5

Citi® Gold AAdvantage® World Master Card

15,000 American Airlines AAdvantage® bonus miles after you make $750 in purchases within 4 months of becoming a cardmember*
1 AAdvantage® mile for every $1 you spend on eligible purchases - up to 60,000 miles per year*
Redeem miles with over 25 of the world's top airlines, major car rental companies, and hundreds of luxurious hotels worldwide*

N/A*Intro APR

N/A*Intro Period

14.99%*APR

$0.00*Annual Fee

2.5

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

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

Capital One Business Platinum with Double No Hassle Miles℠

2 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® 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

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 8.99%*APR

$0.00*Annual Fee

4.5

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

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 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 9.99%*APR

$0.00*Annual Fee

4.5

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

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 10.99%*APR

$0.00*Annual Fee

4.0

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

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

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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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