Best Instant Approval Credit Cards of June 2021


The most stressful part of applying for a credit card is often waiting for a response. With instant approval credit cards, you don’t have to wait long. Not everyone knows how this type of credit card works – here’s a full rundown of what makes it different.

What is an instant approval credit card?

An instant approval credit card is a card that can be approved for immediate use. You can submit your request to the card issuer and get a response within seconds.

To clarify, instant approval credit card offers only mean that approval can happen instantly. It is not a guarantee. The card issuer may need more time to review your request. If so, you will receive a message indicating that your request is under review or pending. You will then receive the decision by post (possibly also by email).

It is also possible to be refused an instant approval credit card. In this case, you will receive a letter explaining the reasons for the refusal.

How does the approval process work?

When you apply for an instant approval credit card, the card issuer performs a preliminary credit check. Based on the results, he can then give you conditional approval for the card. Your chances of getting approved will be much higher if you have a good credit rating.

If you get conditional approval, the card issuer takes a closer look at your credit report. The card issuer can change their decision, so a conditional approval could later turn into a denial. Fortunately, this does not happen often.

What’s the easiest credit card to get approved for?

The easiest credit card to obtain is the OpenSky® Secured Visa®. There is no credit check when you apply, so you can get the card even if you replenish your credit. You also don’t need a bank account to open this card. It requires a security deposit of at least $ 200 and an annual fee of $ 35.

Secured credit cards are the easiest type of credit card to obtain. You have to pay a security deposit to open this type of card, and your credit limit is usually equal to your deposit. This protects the card issuer in case you fail to pay your credit card bill. If you’re having trouble getting a credit card approved, a secured credit card might help.

What are the best instant approval store credit cards?

Here are the best instant approval store credit cards:

  • Amazon Prime Rewards Visa Signature Card: 5% return on Amazon and Whole Foods; 2% return in restaurants, gas stations and pharmacies
  • Capital One® Walmart Rewards ™ Mastercard®: 5% return on, 5% return in store for the first 12 months of in-store purchases with the Walmart Pay app (2% thereafter); 2% back at Walmart, restaurants and travel
  • Citi Costco Anywhere Visa® Card: 4% rebate on gasoline (up to $ 7,000 in annual gas expenses); 3% discount on restaurants and travel; 2% discount on Costco purchases
  • REDcard ™ target: 5% off Target purchases in-store and online (some restrictions apply, but most Target purchases qualify)
  • Sam’s Club® Mastercard®: 5% rebate on gasoline (up to $ 6,000 in annual gasoline spending); 3% discount on meals and travel

How to Apply for an Instant Approved Credit Card

When you’re ready, here’s how to apply for an instant approval credit card:

  1. Choose a credit card: If your credit is not very good then you should choose an instant approval card that does not require a high credit score (like a secured credit card). But whether your credit is good or excellent, it is possible to get instant approval for many of the best credit cards.
  2. Go to the credit card application page: On the credit card web page, click the “Apply Now” button. While there are credit cards that offer instant approval through phone apps, most require online apps.
  3. Enter the required information: Instant Approval Credit Cards require the same information as any other credit card. You will need to fill in some personal information, including your name, address, social security number, and date of birth. You will also need to provide your income.
  4. Submit application: If the card issuer can approve you instantly, you will know it now. Keep in mind that the card issuer may also decline the request or need more time to review it.


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