Instant approval credit cards
Instant approval cards aim to give you a response to your online application in around 60 seconds, handy when you want a fast decision.
- Fast online response, often within 60 seconds
- Simple, fully digital application
- Some let you use the card before it arrives
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How many points could you earn?
$
36,000 pts / yr
Worth around $432 a year on rewards, using the highest earn rate in this category. Excludes any sign-up bonus.
Fast decisions, same checks
An instant approval card speeds up the response, not the credit assessment. The provider still verifies your identity, income and credit history, so a quick yes depends on having everything ready and meeting the criteria.
If you're applying mainly to earn points, compare the earn rates on dedicated rewards cards and frequent flyer cards too, since speed isn't the only thing that matters.
Instant approval credit card FAQs
No. Instant approval refers to a fast preliminary response. The credit provider still verifies your details and makes the final decision.