» Instant Approval Credit Cards
What is an Instant Approval Credit Card?
Instant approval credit cards, also referred to as instant credit cards are credit cards which the bank or issuer approves the applicant within minutes. With regular approval credit cards it can take several days up to a month for a response. With instant approval credit cards in many cases the applicant can learn whether or not he or she has been approved in seconds.
There are two categories of instant approval credit cards below. The first requires excellent credit. These offers would require an applicant to have a credit score of 750 or higher to be approved. The second category of instant approval credit cards contains offers where you will get pre-qualified for a credit card in 60 seconds. These offers are for people with fair, bad, or no credit.
Discover® More® Card
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Overall Rating
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Benefit Rating
- 0% intro APR on Balance Transfers for 15 full months, then the Regular APR
- 0% intro APR on Purchases for 6 full months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
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| 0% | 15 Months BT / 6 Months Purchases | As low as 11.99% Variable* | None* | Yes* | Excellent - Good Credit |
Discover® Miles
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- Double Miles on your first $3,000 in travel and restaurant purchases each year
- Double Miles through our exclusive online shopping site
- One Mile for every dollar on all other purchases
- Flexible redemption options for travel, gift cards, or cash
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
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| 0% | 6 Months Purchases & Balance Transfers | 10.99% - 16.99% Variable* | No | Yes* | Excellent Credit |
Discover® More® Card - $75 Cashback Bonus
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Benefit Rating
- 0% intro APR on purchases for a full 6 months then the regular APR
- Get $75 Cashback Bonus® when you make $500 in purchases within 3 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus® on all other purchases
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
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| 0% | 12 full months on Balance Transfers; 6 full months on Purchases* | 11.99% - 20.99% (Variable)* | None* | Yes* | Excellent Credit |
Orchard Bank® Classic MasterCards®
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- An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
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| N/A | N/A | As low as 14.90% Variable* | $35 - $79 | Yes* | Bad Credit - No Credit |
Orchard Bank® Visa® Card
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Overall Rating
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Benefit Rating
- Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
- Acceptance at millions of locations including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
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| N/A | N/A | 14.90% - 28.90% Variable* | $39 - $74 | Yes* | Bad Credit - No Credit |