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| Credit Card Offers » Apply for a Credit Card » Cards by Category » Instant Approval Credit Cards |
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Instant Approval Credit Cards Offers for Business |
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Instant approval credit cards give you the information you need, when you need it. When you apply for an instant approval credit card, you will know almost immediately whether or not you have been approved. Instant approval credit cards take the guesswork out of your credit card application process. You don't have to wait around, wondering if you'll be approved for the credit that you need. When you apply for instant approval credit cards, you will have all of the information and the financial flexibility you need to make good financial decisions.- Learn whether you're approved or not seconds after submitting application
- Upon approval, receive credit card and access to funds in one to two weeks
- Shop around instant credit card offers for those that provide quality benefits
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| Cards for Consumer | Cards for Student | Cards for Business | |
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| Credit Card Offers Found: 5 |
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| Most Attractive: |
0% introductory rate; no annual fee; access to rewards program; bonus points. |
| Special Offer: |
0% APR on Purchases for 12 months |
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(MasterCard)
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- 0% APR on Purchases for 12 months
- No annual fee
- 10,000 ThankYou® Points after $250 in purchases, redeemable for a $100 gift card
- 3 ThankYou Points on eligible business purchases
- 1 ThankYou Point for every dollar you spend on other purchases
- Business-size credit line
- Quarterly and annual business account summaries
- Balance transfer fee applies with this offer
- Benefit Rating:
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0% Intro APR on Purchases for 12 months
9.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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Points per Dollar: 1.00 Point
Bonus on First Purchase: 10,000 points after $250
20 days Grace Period |
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(* 0% APR on Purchases for 12 months) |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee. |
| Special Offer: |
0% for 12 months and is applied to Purchases |
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(Discover Card)
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- 0% Intro APR on Purchases for 12 Months
- No Annual Fee
- 5% Cashback Bonus on office supplies, 2% on gas and up to 1% on all other purchases
- Fee-free PurchaseChecks to pay vendors and suppliers who do not accept credit cards
- Manage employee card spending online, in real time
- View Discover® Card Rates, Fees, Rewards and Other Important Information
- Benefit Rating:
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0% Intro APR on Purchases for 12 months
13.99% Regular Variable APR for Purchases
22.99% Regular Fixed APR for Cash Advances |
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Rebate Amount: Up to 5%
Bonus on First Purchase: n/a
20 days Grace Period |
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(* 3.9% intro APR for 6 months on balance transfers) |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
Access to Membership Rewards Options program; special discounts at participating merchants; many benefits and additional perks; no annual fee. |
| Special Offer: |
0% for 12 months and is applied to Purchases. |
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(American Express)
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- 0% APR for the First 12 Months
- No annual fee
- Option to enroll in Fee-Free Rewards Program
- Earn 1 Membership Rewards point for virtually every dollar you spend
- Book any airline, anytime with Membership Rewards Pay with Points
- Use the Express Rewards (SM) Hotel Card for hotel stays, room service, dining, or even spa treatments
- With OPEN Savings, you can save on expenses with companies like FedEx, Delta®, Hyatt Hotels & Resorts®, and more
- Benefit Rating:
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0% Intro APR on Purchases for 12 months
7.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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Points per Dollar: 1.00 Point
Bonus on First Purchase: None
25 days Grace Period |
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(* 4.99% APR fixed for the life of the balance for balance transfers submitted with this application or posted to your account during the first 45 days of Card membership) |
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Card is currently unavailable to residents of Puerto Rico.
The APR for purchases varies according to the applicant's credit history and will be 2.99%, 4.99%, 6.99% or 9.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure. |
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| Most Attractive: |
Annual fee waived for the first year; various business-related discounts; bonus points. |
| Special Offer: |
Points Have No Expiration Date |
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(American Express)
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- Business ownership has become more rewarding
- No limit to the number of Membership Rewards® points you can earn, plus up to 40,000 bonus points in your first year
- Points Have No Expiration Date
- Save up to 25% on business expenses
- Redeem points for rewards from 21 airlines, hundreds of hotels worldwide, vacation packages, over 50 cruise itineraries, and spa retreats
- Transfer points into 11 frequent flyer programs - 1 point for 1 airline mile with most programs
- With OPEN Savings, you can save on expenses with companies like FedEx, Delta®, Hyatt Hotels & Resorts®, and more
- Benefit Rating:
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n/a Intro APR (* see notes for more APR details)
n/a Regular Fixed APR for Purchases
n/a Regular Fixed APR for Cash Advances |
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Points per Dollar: 1.00 Point
Bonus on First Purchase: 5,000 Points
see terms Grace Period |
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The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources.
See website for complete terms and conditions of card usage and application disclosure. |
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| Most Attractive: |
No annual fee; no yearly limit or expiration applied to points; bonus points. |
| Special Offer: |
0% for 12 months and is applied to Purchases. |
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(American Express)
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- 0% introductory APR on purchases during first 12 months
- No annual fee
- Redeem for savings on any flight, hotel, car rental or cruise
- No blackout dates and no restrictions
- 5,000 bonus points with first purchase
- Earn 1 point for every eligible dollar
- Save $100 for every 7,500 points redeemed
- OPEN Savings®: Automatic Discounts with FedEx, Delta®, Courtyard by Marriott®, and More
- Benefit Rating:
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0% Intro APR on Purchases for 12 months
8.99%% Regular Variable APR for Purchases
19.99 Regular Variable APR for Cash Advances |
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Points per Dollar: 1.00 Point
Bonus on First Purchase: 5,000 Points
25 days Grace Period |
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(* A 7.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the first twelve months.) |
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The APR for purchases and balance transfers varies according to the applicant's credit history and will be 3.99%, 5.99%, 7.99% or 9.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.
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Applying for a credit card can be a difficult and stressful process. Especially if you aren't sure what your credit score is like, you can spend a lot of time and worry wondering whether or not you're going to be approved for the credit card that you want. Then, if you aren't approved, you have to start the all over again from scratch, looking for the right card for you, sending out your information, and then twiddling your thumbs for days while the credit card company runs around, gathering information on you.
If you are sick of the process, think about applying for instant approval credit cards. When you apply for instant approval credit cards, you will know whether or not you have been approved for the credit card you want within just seconds of sending in your application. Instant approval credit cards make it that easy.
But first things first. Just because you have gotten a letter or a flyer or an email saying that you have been pre-approved for one of various instant approval credit cards doesn't mean that there is already a card out there with your name on it. If you're interested in instant approval credit cards, you will still have to go through a short application process to see whether or not you will be approved. The good news is, once you have gone the process necessary for applying for instant approval credit cards, you will know within seconds whether or not you've gotten the card you want.
One thing to keep in mind, though, is that even if the process of applying for an instant approval credit card only takes seconds, getting the card itself and access to funds will take one or two weeks. Many people mistakenly assume that instant approval credit cards give you immediate approval as well as immediate access. The only "instant" part about instant approval credit cards is the approval process. Even if you've been approved for instant approval credit cards, you still have to wait for the physical credit card itself to come in the mail, and then perform several security measures in order to avoid fraudulent use.
Another thing to take into consideration when you are applying for instant approval credit cards is your credit score. Just because the application process for instant approval credit cards is fast doesn't mean that the institutions offering them aren't interested in your credit history. If you have bad credit, applying for lots of instant approval credit cards isn't going to make it any better. You have to find an institution that provides instant approval credit cards specifically for people with varied credit histories. Be aware of what your credit score is like, and you'll be able to make better decisions about which instant approval credit cards are right for you.
Finally, just because instant approval credit cards come with a fast approval process doesn't mean the credit cards themselves don't have to be great. There are lots of institutions offering a variety of instant approval credit cards, so shop around to find the right one for you. When you look at lots of instant approval credit cards, you will see a lot of variation in interest rates, introductory rates and user benefits, so don't just pick up the first one that catches your eye. The application process on instant approval credit cards might be fast, but you might have the card itself for a long time, so take your time in deciding which ones you want to apply for. With all the time instant approval credit cards save you in the application process, you'll have some time to spare. |
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