Best Credit Cards for Instant Approval in May 2022

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    If you need access to money quickly, try  with instant approval. Some will let you start using them immediately, even before you’ve received your physical card.<br>Instant approval credit cards offer the benefit of quick action. Whether you’re approved or denied, you’ll usually get your answer in minutes after you apply, instead of weeks. You shouldn’t charge more than you can afford to pay back, but if you’re in a tough spot, these cards can provide valuable funds to cover you until your next paycheck.<br><br>As usual, a will give you more options of instant approval credit card offers to choose from. If you have poor credit or , a may be required for instant approval.<br><br>Read on to find our best credit card partner offers for instant approval, based on speed of approval, features, low fees and required credit level. We’ll update these offers as new cards are released and as terms change. <br><br>Read more: <br>

    Best overall for instant approval

    Card Highlights

    Intro OfferN/A
    APR8.99% -29.99% APR
    Recommended Credit Excellent/Good
    Reward Rates
    Unlimited cash back on payments – 3% on Home, Auto and Health categories

    1% on everything else

    Annual Fee$0
    Intro Purchase APRN/A

    Additional Details

    Foreign Transaction Fees $0

    Rewards & Redemption Details

    Unlimited cash back on payments – 3% on Home, Auto and Health categories

    1% on everything else

    Our Take

    <br>If you need a card right away for an upcoming expense, the Upgrade Triple Cash Rewards Visa* is available to use as soon as you’re approved. For the ultimate flexibility, this card is a combination of credit card and line of credit to cover unexpected expenses, with monthly payments deducted automatically from your bank account. Plus, you’ll earn cash back as you go. Once you’re approved, all you need to do is sign in to your Upgrade account to find your virtual card number. You can use the number for online purchases until your physical card arrives by mail.<br>

    For below-average credit

    Card Highlights

    Intro OfferN/A
    APR26.99% (Variable)
    Recommended Credit Limited, Bad
    Reward RatesN/A
    Annual Fee$0
    Intro Purchase APRN/A

    Additional Details

    Intro Balance Transfer APRN/A
    Balance Transfer Fee $0 at this Transfer APR
    Balance Transfer APR26.99% (Variable)
    Late Payment Fee Up to $40
    Foreign Transaction Fees None
    Penalty APR None

    Our Take

    <br>Most instant-approval credit cards make a decision fast, but the decision may not always be in your favor. It’s especially true if your credit score falls below a Good rating. A secured credit card — a card requiring a security deposit in exchange for a credit account — may be the best option. The Capital One Platinum Secured Credit Card is designed for anyone with and offers low security deposit requirements. <br><br>Most secured cards expect you to provide 100% of the credit limit in the form of a security deposit. may only require as little as $49 or $99 to get a $200 initial credit line. If you maintain your card account in good standing, Capital One may automatically consider you for a higher credit line in as little as six months. If approved, you may be able to log in to the app to grab your new card number and start making purchases right away. <br><br>For more details, check out our full review of the .<br>

    Instant approval for Amazon

    Card Highlights

    Intro OfferUp to a $150 Amazon Gift Card instantly upon approval
    APR14.24% to 22.24% Variable
    Recommended Credit N/A
    Reward Rates
    5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
    2% back at restaurants, gas stations, and drugstores*
    1% back on all other purchases*

    Annual Fee$0
    Intro Purchase APRN/A

    Additional Details

    Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
    Balance Transfer APR14.24% to 22.24% Variable
    Late Payment Fee Up to $39

    Foreign Transaction Fees None

    Rewards & Redemption Details

    5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
    2% back at restaurants, gas stations, and drugstores*
    1% back on all other purchases*

    Our Take

    <br>The Amazon Prime Rewards Visa Signature Card is an excellent choice for shoppers who want to earn cash-back rewards that can be applied to purchases, transferred to a bank account or applied as a statement credit. Once you’re approved for this , you’ll see the credit card in your Amazon account and ready to use at checkout. You’ll need to wait for the physical card before you can shop at retail stores, but considering how much is available through Amazon or Whole Foods online, you may be able to purchase what you need without the mail carrier holding you up.<br><br>For more details, check out our full review of the .<br>

    Best for iPhone users

    Card Highlights

    Intro OfferN/A
    APR10.99% to 21.99% (Variable)
    Recommended Credit N/A
    Reward Rates
    Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple
    With every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back

    Annual Fee$0
    Intro Purchase APRN/A

    Rewards & Redemption Details

    Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple
    With every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back

    Our Take

    <br>The Apple Card is a Mastercard issued by Goldman Sachs. According to Apple, the card “lives on your iPhone.” As long as you’re using Apple Pay, you won’t need the physical version of the credit card, although one will follow in the mail. Daily Cash gives you cash back on your purchases the same day of the transaction. You’ll find that the cash balance is available in the card app for payments or to send to a friend. You can find out if you’re preapproved for the Apple Card without a dent in your credit score before you formally apply. If you get the green light, you can use the card right away through Apple Pay.<br>

    FAQs<br>

    What credit score do I need for instant approval?

    <br>Credit cards are not one-size-fits-all products. There are instant-approval cards available for everyone — from someone starting out with no credit to individuals with excellent credit. This credit card guide includes credit requirements for the cards reviewed so you can gauge your  ahead of time.<br>

    What’s the difference between prequalification and preapproval?

    <br>Prequalification and preapproval for a credit card both help you understand your chances of approval without hurting your credit. The difference between credit card prequalification and credit card preapproval is who initiates the request, you or the credit card company. <br><br>If you decide to see your approval chances, you can get prequalified for a credit card by visiting the card provider’s prequalification page. When a credit card company sends you a credit card offer, it will often say you are “preapproved” for a credit card. You can then follow your preapproval link to complete the application process.<br><br>For both, the card company does a soft inquiry on your credit report that does not affect your credit score. A hard inquiry happens if you actually apply. In addition, you’re not obligated to apply if you’re prequalified or preapproved.<br>

    Does a preapproval offer guarantee approval?

    <br>A preapproval is more like an invitation to apply for a credit card. The chances are high you’ll be approved. However, you’re not guaranteed a credit card yet; you’ve only met the initial criteria that card issuers use to screen potential cardholders. Once you apply, the credit issuer performs a more detailed, hard inquiry on your credit to make a definitive decision. <br>

    What’s the difference between instant approval and instant use?

    <br>Instant-approval credit cards will provide you with an answer as soon as you complete the online card application. However, you may still have to wait for the physical card to arrive in the mail so you can activate it for use. <br><br>Instant-use credit cards are available immediately after approval. Card companies that offer instant-use cards will give you the card number and expiration date as soon as you’re approved.<br>

    Cards researchedUpgrade Triple Cash Rewards VisaUpgrade CardAmazon Prime Rewards Visa Signature CardApple CardCredit One Bank® Platinum Visa® for Rebuilding Credit Blue Cash Everyday® Card from American Express Blue Cash Preferred® Card from American ExpressBank of America Alaska Airlines Visa Credit CardDigital First CardUnited℠ Explorer CardPayPal Cashback MastercardCapital One Platinum Secured Credit CardOpenSky® Secured Visa® Credit CardCostco Anywhere Visa® Card by CitiOur methodology<br> by exhaustively comparing them across set criteria developed for each major category, including cash back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles — with the understanding that everyone’s financial situation is different — and the designated function of a card. <br><br>For cash-back credit cards, for example, key factors include the annual fee, the welcome bonus and the cash-back rate (or rates, if they differ by spending category). For rewards and miles cards, we calculate and weigh the net monetary value of a card’s respective perks. And with balance transfer credit cards, we analyze specs such as the duration of the introductory 0% APR period and the balance transfer fee, while acknowledging secondary factors such as the standard APR and the length of time you have to make a balance transfer after you open the account.<br>More credit card advice <br>*All information about the Upgrade Triple Cash Rewards Visa and the Alaska Airlines Visa Credit Card has been collected independently by CNET and has not been reviewed by the issuer.<br>

    The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.
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