Instant Decision Credit Cards

Featured Instant Decision Credit Card: Discover it® Credit Card
  • Discover it Credit Card
  • Rated: 5.0 out of 5
  • Intro APR: 0%*
  • Regular APR: 10.99% - 22.99% (V)*
  • Annual Fee: $0*

- 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
- Rated 4.8 out of 5 stars by over 5,000 cardmembers.*
- No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
- Free FICO® Credit Score online and on monthly statements.*
- 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases.*
- Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
- 100% U.S.- based customer service - anytime, day and night.
- *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".

* * *

The Discover It credit card provides flexibility to cardholders. With a simple application and cash back with every purchase, it entitles many people to a card with rewards. There are many perks to having the card - including a low APR, no annual fee and the ability to name the payment due date. Read more...

The cards featured here include products designed to meet the needs of individuals who may have a good or bad credit background. Your application for one of these instant decision cards involves a simple, secure online process and in most cases you will have your decision within a couple of minutes. However, if you do not have a good credit history the card issuer may need more time, and perhaps even more information, before deciding whether or not to accept your application. The cards offer a wide variety of options in both terms and conditions and the incentive packages available, so you should find one that meets your needs and lifestyle. Take advantage of the instant decision available and apply securely online now.



Instant Decision Credit Cards Listing

Sort listings by... Name Intro Rate Annual Fee APR Ratings
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US Bank Visa® Platinum Card
US Bank Visa Platinum Card
  • Intro APR: 0%
  • Intro APR Period: 15 months*
  • APR: 9.99% - 23.99% (V)*
  • Annual Fee: $0*
4.0 out of 5

The US Bank Visa Platinum Card offers cardholders a lot of buying power. The card can be used anytime, anywhere all over the globe. Additional features of the card include online account access and the ability to pay bills online. Other features are provided all year long with no annual fee.

Info Review Benefits Fees
Discover it® chrome Credit Card
Discover it chrome Credit Card
  • Intro APR: 0%
  • Intro APR Period: 14 months*
  • APR: 10.99% - 22.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

Throughout the introductory APR period get to pay low interest on purchases and balance transfers. The Discover it chrome Credit Card gives you the tools to get your debt profile down to the ground.

Info Review Benefits Fees
Fingerhut Credit Account
Fingerhut Credit Account
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 24.90%*
  • Annual Fee: N/A*
4.4 out of 5

The Fingerhut Credit shopping card is reasonably easy to obtain and provides simple cardholder benefits. It is only accepted by Fingerhut for the purchase of their merchandise and is available to only U.S. residents.

Info Review Benefits Fees
Barclaycard Arrival™ World MasterCard®
Barclaycard Arrival World MasterCard
  • Intro APR: 0%
  • Intro APR Period: 12 months*
  • APR: 14.99% or 18.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

The Barclaycard Arrival World MasterCard is a no-annual-fee travel credit card that presents its cardholders with a number of benefits, some of which are unique and others that give them an edge over their competitors from earning double miles to getting miles back when redeeming miles from travel, the card is unique.

Info Review Benefits Fees
LUXE Signature Shopping Credit Card
LUXE Signature Shopping Credit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 0.00%*
  • Annual Fee: N/A*
3.5 out of 5

The Luxe Signature Card is a line of credit merchandise card that allows individuals to purchase high-end merchandise at a discount and through monthly installments. With no interest on purchases and a low monthly account maintenance fee, this is a program with a number of benefits.

Info Review Benefits Fees
US Bank Business Edge™ Cash Rewards Card
US Bank Business Edge Cash Rewards Card
  • Intro APR: 0%
  • Intro APR Period: 9 months*
  • APR: 11.99% - 17.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

The US Bank Business Edge Cash Rewards Visa makes it possible to earn cash with every purchase. Depending on the category that is being purchased, the cash rewards are either 1% or 3% of the total purchase. Rewards never expire and there are multiple ways to get the reward on the account.

Info Review Benefits Fees
US Airways® Premier World MasterCard®
US Airways Premier World MasterCard
  • Intro APR: 0%
  • Intro APR Period: 15 months on BT*
  • APR: 24.99%, 19.99% or 15.99% (V)*
  • Annual Fee: $89*
4.5 out of 5

The US Airways Premier World MasterCard is packed with features. With a low annual fee on the card, cardholders can earn miles with every purchase. There are also bonus miles available and companion tickets available affordably. Other perks included come from holding a MasterCard, including online accounting tools and 24/7 customer service.

Info Review Benefits Fees
US Bank FlexPerks® Business Edge™ Travel Rewards Card
US Bank FlexPerks Business Edge Travel Rewards Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 13.99% - 23.99% (V)*
  • Annual Fee: $0*
4.5 out of 5

The US Bank FlexPerks Business Edge Travel Rewards Card is all about travel rewards for the business. Points are earned for every dollar, with the chance to earn double and triple points in selected categories. It's also possible to pool points for better rewards.

Info Review Benefits Fees
Discover it® for Students with $20 Cashback Bonus
Discover it for Students with $20 Cashback Bonus
  • Intro APR: See Terms
  • Intro APR Period: See terms*
  • APR: 12.99% - 21.99% (V)*
  • Annual Fee: $0*
4.5 out of 5

The Discover it for Students credit card is a unique credit card designed only for college students, allowing students to have a positive experience with credit through low fees, easy account management, few fees to worry about, and opportunities to save money.

Info Review Benefits Fees
Travelocity® Rewards American Express® Card
Travelocity Rewards American Express Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 14.99%, 21.99% or 24.99% (V)*
  • Annual Fee: $0*
4.5 out of 5

The Travelocity Rewards American Express Card gives the cardholder flexibility. It is a card that works well for those who like to travel and those who simply like to shop. With no annual fee, reasonable transaction fees, and the ability to earn points, how much it saves depends on how you use it.

Info Review Benefits Fees
Premier Miles & More® World MasterCard®
Premier Miles & More World MasterCard
  • Intro APR: 0%
  • Intro APR Period: 12 months*
  • APR: 15.99% or 24.99% (V)*
  • Annual Fee: $79*
4.5 out of 5

Lufthansa offers the Premier Miles & More World MasterCard. This gives cardholders access to free miles with every purchase made on the card. Additionally, cardholders can enjoy a low intro APR, a low annual fee and other perks for having a MasterCard in their wallet. The online application can be completed in minutes.

Info Review Benefits Fees
Discover it® Credit Card - 18 months intro
Discover it Credit Card - 18 months intro
  • Intro APR: 0%
  • Intro APR Period: 18 months on BT*
  • APR: 10.99% - 22.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

The Discover It credit card provides users with an array of benefits. Not only are they able to make purchases with over 8 million merchants, they are also given a generous intro period with no APR. This keeps expenses down and perks up, all while earning cash back with every purchase.

Info Review Benefits Fees
US Bank Business Edge™ Platinum Card
US Bank Business Edge Platinum Card
  • Intro APR: 0%
  • Intro APR Period: 12 months*
  • APR: 9.99% - 17.99% (V)*
  • Annual Fee: $0 with one purchase per year*
4.0 out of 5

The U.S. Bank Business Platinum Visa keeps things simple for business cardholders looking for a non-rewards card to help them manage their business spending. With valuable tools, savings on business purchases, and much more, cardholders have a card that takes care of them and their employees.

Info Review Benefits Fees
USAA Secured Platinum American Express® Card
USAA Secured Platinum American Express Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 9.90% (V)*
  • Annual Fee: $35*
4.5 out of 5

The USAA Secured Platinum American Express Card gives secured cardholders some of the same privileges that unsecured cardholders have. However, the secured card gives cardholders the ability to save money, gain interest on that money, and give themselves a stronger financial future.

Info Review Benefits Fees
USAA Secured Platinum MasterCard® Card
USAA Secured Platinum MasterCard Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 9.90% (V)*
  • Annual Fee: $35*
4.5 out of 5

The USAA Secured Platinum MasterCard Secured Card is accepted anywhere MasterCard is accepted. It is tied to a CD that serves as a vehicle for the secured deposit and this allows cardholders to save for their future in addition to the many benefits that the card offers.

Info Review Benefits Fees
Discover it® chrome Credit Card - 18 months intro
Discover it chrome Credit Card - 18 months intro
  • Intro APR: 0%
  • Intro APR Period: 18 months on BT*
  • APR: 10.99% - 20.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

Ever wanted to transfer your balance but didn't know where to? This Discover it chrome Card delivers a 18 Month Promotional Balance Transfer period with 0% intro APR on balance transfers.

Info Review Benefits Fees
Wyndham Rewards® Visa Signature® Card
Wyndham Rewards Visa Signature Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 15.24% or 19.99% (V)*
  • Annual Fee: $0*
4.0 out of 5

The Wyndham Rewards Visa Signature Card is a credit card that is focused on helping cardholders earn points without an annual fee and without high costs. These points can then be used for free nights at Wyndham hotels.

Info Review Benefits Fees
The Hawaiian Airlines® World Elite MasterCard®
The Hawaiian Airlines World Elite MasterCard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 15.99% or 24.99% (V)*
  • Annual Fee: $89*
4.0 out of 5

The Hawaiian Airlines World Elite MasterCard allows cardholders to earn many miles, enjoy special perks, and travel for less money. If you love traveling to or from Hawaii, this card offers a number of unique opportunities that will help you save money and even increase the frequency in which you travel to your favorite place.

Info Review Benefits Fees
Barclaycard Arrival Plus™ World Elite MasterCard®
Barclaycard Arrival Plus World Elite MasterCard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 14.99% or 18.99% (V)*
  • Annual Fee: $89 - Waived first year*
4.5 out of 5

The Barclaycard Arrival Plus World Elite MasterCard is a credit card that is designed for the traveler. It first starts with bonus miles and concludes with the ability to receive 10 percent miles back when miles are redeemed. Cardholders can also redeem miles for gift cards, merchandise, statement credits, and more.

Info Review Benefits Fees



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