One of the greatest things about applying for a credit card online is that not only can you choose among the best credit card offers available, you may also be able to get an instant response to your credit card application.
Applying online for instant decision cards is a great convenience because you don't have to wait for weeks to find out whether you were approved or not. With online approval cards, you usually get a reply within less than a minute. So if one company declines your application, you have the option to simply try again with a different card issuer. Use our convenient online tool to compare credit cards to make a list of the ones you are interested in.
Of course, even with instant credit cards, you still have to wait until your newly approved card arrives in the mail before you can use it. That will usually take at least 5 to 7 business days.
How do companies offering credit cards with instant approval make a decision so fast? The decision is made by computer and based primarily on your credit score, plus a match of your social security number, address and phone number. Before mailing out the credit card, the card issuer will double-check the information you submitted, and make the decision about how high a credit card limit to issue.
It is recommended that you don't apply to more than 2 or 3 cards at one time, as applying to many cards in a short period of time may affect your credit score negatively.
There are many more credit card offers available that do not necessarily give instant approval but still have great features. If you want to transfer a balance, cards offering 0 apr for an introductory period can work well. We also have information about cards with low interest, cash back, rewards, or frequent flyer miles. Each section of our site contains cards for individuals and also business credit cards that offer benefits related to that category of card. For our top credit cards please go to our home page.