A few decades ago, credit cards became commonplace, but the process of applying for a card either involved a long phone call or a trip to the bank. Today you can get approved in a matter of minutes. Ah — how we love the Internet! Keep reading to learn which instant approval and use credit card is right for you.

In This Article:

  • Credit Card Terms to Know Before Choosing

  • The List of Instant Approval Credit Cards

  • The List of Instant Approval Credit Cards You Can Use Online Instantly

    • Open Loop Cards
    • Closed Loop Cards

Credit Card Terms to Know Before Choosing

While there are several instant approval credit cards to choose from, not all are created equal, so before you begin, check out our list below. You may just learn a thing or two that will keep you from making a decision that could affect your credit.

APR: Annual Percentage Rate (APR) is the interest rate you’ll pay if you do not pay off your card in full each month. Be aware: Instant approval credit cards are notorious for their high interest rates.

Credit Status: Be sure to check your credit score before applying for a credit card. Your credit score will determine your credit card approval, as well as your credit limit.

Credit scores between 580 and 619 are considered low. Fair scores range from 620 to 679. When you reach a score between 680 and 690, your credit is considered good. Excellent scores are in the 700 to 850 range.

Open or Closed Loop Card: Open loop cards can be used anywhere. For example, a Visa card is an open loop card. Closed loop cards can only be used at a specific store. For example, a Kohl’s credit card can only be used at Kohls.

Not all store cards are closed loop, those with a major credit card name on them as well as the store name can be used anywhere. We have a variety of closed loop and open loop store cards listed below.

Instant Approval Credit Cards: Instant approval does not mean guaranteed approval. Rather, with instant approval credit cards, a decision on your approval will usually be made within in 60 seconds. In some cases, further information will be needed, extending the process by a few days or weeks.

Pre-Approved Credit Cards: Most of you have probably received a pre-approved credit card in the mail. The catch is, the term ‘pre-approved’ really just implies you are pre-approved to apply. Depending on your credit score, you may not qualify for a pre-approved card.

Pre-Screened Credit Cards: Pre-screened credit card offers are to sent to ideal applicants based on credit history. If you have received a pre-screened credit card offer in the mail, it is very likely you will be approved for that card.

The List of Instant Approval Credit Cards

Below is a list of options for instant approval credit cards for a variety of credit scores.The following list includes cards we could locate with the lowest possible APR and annual fee and the best incentives in each credit score range.

1. Barclaycard Cashforward World MasterCard

  • Incentives: $200 cash reward bonus after spending $1,000, 1.5% cash back on all purchases, 5% cash reward upon redeeming rewards.
  • APR: 0% for 15 billing cycles, then 15.74% to 25.75%.
  • Annual Fee: None.
  • Late Payment Fee: Up to $37.
  • Credit Status Needed: Excellent.
  • Read more about this card here.
  • Apply for this card here

2. Capital One QuicksilverOne Cash Rewards Credit Card

  • Incentives: 1.5% cash back on every purchase.
  • APR: 24.99%
  • Annual Fee: $39
  • Late Payment Fee: Up to $35.
  • Credit Status Needed: Fair.
  • Read more about this card here.
  • Apply for this card here

3. Credit One Bank Visa Credit Card

  • Incentives: Pre-qualifying feature and 1% cash back on all purchases.
  • APR: 16.74% to 24.74%.
  • Annual Fee: $0 to $99.
  • Late Payment Fee: Up to $37.
  • Credit Status Needed: Low.
  • Read more about this card here.
  • Apply for this card here.

4. Discover It Cash Credit Card

  • Incentives: 5% cash back in rotating categories, 1% cash back on all other purchases and dollar for dollar match on cashback at the end of the year.
  • APR: 0% for 14 months, then 11.74% to 23.74%.
  • Annual Fee: None.
  • Late Payment Fee: None the first time, then up to $37.
  • Credit Status Needed: Good to Excellent.
  • Read about this card here.
  • Apply for this card here

5. Indigo Platinum MasterCard

  • Incentives: Pre-qualifying feature, which does not affect your credit score.
  • APR: 23.9%
  • Annual Fee: $59-$99
  • Late Payment Fee: Up to $38.
  • Credit Status Needed: Low.
  • Read more about this card here.
  • Apply for this card here

The List of Instant Approval Credit Cards You Can Use Online Instantly

Open Loop Cards

For the following cards, you will also most likely be notified within 60 seconds on whether or not you have been approved. Better yet? You will also be able to start shopping online or in-store upon approval. Although some of the cards below are store cards, all are open loop and therefore can be used anywhere.

1. Amazon Rewards Visa Signature Card

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: $50 Amazon gift card upon approval, 3% cash back on Amazon purchases, 2% cash back on restaurants, gas stations, and drugstores, and 1% cash back on all other purchases.
  • APR: 14.99% to 22.99%.
  • Annual Fee: None.
  • Late Payment Fee: Up to $37.
  • Credit Status Needed: Fair to Good.
  • Read more about this card here.
  • Sign in or create an account to apply for this card here.  

2. Blispay

  • Instant Access Process: Your card information will be available on your Blispay account immediately upon approval.
  • Incentives: 2% cash back on all purchases and interest-free financing for six months on purchases over $199.
  • APR: 19.99%
  • Annual Fee: None.
  • Late Payment Fee: $35
  • Credit Status Needed: Good to Excellent.
  • Read more about this card here.
  • Apply for this card here.

3. Cabela’s Club Visa Card

  • Instant Access Process: For instant access to this card, you must apply in store. Upon approval, physical cards are presented at the customer service desk.
  • Incentives: 2% points back on Cabela’s purchases, 1% points back on other purchases, $20 in points upon approval, and $10 in points after five purchases.  
  • APR: 9.99% on Cabela’s purchases and 16.04% to 22.04% elsewhere.
  • Annual Fee: None.
  • Late Payment Fee: Up to $37.
  • Credit Status Needed: Good to Excellent.
  • Read more about this card here.
  • For instant access, apply for this card in store. Find a store near you here

4. Costco Anywhere Visa

  • Instant Access Process: For instant access to this card, you must apply in-store. Upon approval, a temporary card number and bar code will be printed out at the customer service desk.
  • Incentives: 4% cash back on eligible gas up to $7,000 or for one year, 3% cash back on eligible restaurant and travel purchases, 2% cash back on Costco purchases and 1% cash back on all other purchases.
  • APR: 16.24% to 29.99%
  • Annual Fee: None, although you will need a Costco membership, which is $55 per year.
  • Late Payment Fee: Up to $37.
  • Credit Status Needed: Excellent.
  • Read more about this card here.
  • Find a store near you here.

5. Final

  • Instant Access Process: For ultimate security, Final offers unlimited, one-time use virtual credit cards. Upon approval, just set up your account to access them.
  • Incentives: 1% cash back on all purchases.
  • APR: 18.50%
  • Annual Fee: None.
  • Late Payment Fee: $25
  • Credit Status Needed: Good to Excellent.
  • Read more about this card here.
  • Apply for this card here

Closed Loop Cards

The cards below are also instant approval, meaning you will most likely be notified within 60 seconds whether or not you have been approved. These particular cards can also be used immediately up on approval. The following cards are all closed loop store cards, meaning you can only use them in-store or on the store website.

1. Kohl’s

  • Instant Access Process: Upon approval, you will receive a temporary credit card number whether you apply in store or online. 
  • Incentives: 25% off your first day purchases, 15% off purchases when you receive your card in the mail, and 12 discount offers throughout the year.
  • APR: 24.74%
  • Annual Fee: $0
  • Late Payment Fee: Up to $37
  • Credit Status Needed: Low
  • Read more about this card here.
  • Apply for this card here.

2. Macy’s

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: 20% same day and next day purchases (up to $100), free shipping over $50.
  • APR: 26.24%
  • Annual Fee: None.
  • Late Payment Fee: Up to $38.
  • Credit Status Needed: Fair.
  • Read more about this card here.
  • Apply for this card here

3. My Best Buy Credit Card

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: 5% cash back on Best Buy purchases or 12 month financing.
  • APR: 26.24%
  • Annual Fee: $0 to $59.
  • Late Payment Fee: Up to $37.
  • Credit Status Needed: Low.
  • Read more about this card here.
  • Sign in or create an account to apply for this card here.

4. Nordstrom

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: $20 for every $100 spent at Nordstrom and two points for every dollar spent at Nordstrom, Nordstrom Rack, HauteLook, and Trunk Club.
  • APR: 11.65% to 23.65%.
  • Annual Fee: None.
  • Late Payment Fee: Up to $38.
  • Credit Status Needed: Good to Excellent.
  • Read more about this card here.
  • Apply for this card here

5. TJX Rewards Credit Card

  • Instant Access Process: Upon approval, you can access your card online by signing into your account.
  • Incentives: 10% off your first in-store purchase, five points for each dollar spent at TJMaxx, Marshalls, HomeGoods, and Sierra Trading Post, and $10 for every 1,000 points earned.
  • APR: 27.74%
  • Annual Fee: None.
  • Late Payment Fee: Up to $35.
  • Credit Status Needed: Fair.
  • Read more about this card here.
  • Apply for this card here

In Summary

If you need credit quickly, we’re confident one of these instant use cards is right for you.

A slightly higher APR may be the price you pay to be approved for a credit card instantly. However, this drawback won’t affect you if you pay your card off in full each month. That said, we hope this list was helpful to all responsible cardholders with credit scores from low to excellent. Enjoy being able to shop online or in-store ASAP.