Instant credit cards are a convenient way to get the guesswork out of the registration process. Instant approval means that when you apply for a credit card online, you will receive a quick decision, usually within minutes, whether or not you are approved.  This post we will introduce to people about some advantages of the instant approval credit cards.

Instant approval credit cards
Some people should have instant approval credit cards

In the previous post, Info Credit Free introduces people to some of the necessary information that is useful for getting the best student credit cards in the US, to get more information people can read the article Somethings about student credit cards people should note. Now, let find knowledge about the instant approval credit cards in the post today.


Just like a lot of article posts such as credit cards for bad credit, first premier credit card, balance transfer credit cards, best cash back credit cards…, this post about instant approval credit cards also includes some main parts. They are:

1. What are the instant approval credit cards?

Instant credit card approval has an application that returns a decision within minutes or less. The app is usually online and takes about 10 minutes to complete.

Most banks and credit card issuers allow you to register your card online. Credit card providers can access the national credit bureau online and calculate their feedback with your credit status almost instantly. It only handles when there is a problem with your application or credit history that may take more than 60 seconds for the bank to process.

Applying for a credit card online also has some security benefits. Your application will be protected with 128-bit encryption and an easier-to-follow online application, reducing the risk of losing documents.

However, like any other credit card application, your approval will depend on your credit history, income and the information you entered on your application.

Instant approval credit cards
Some people should have the instant approval credit cards

2. Who should apply for a credit card?

The New York Federal Reserve found that young people with lower credit scores were more likely to apply. While 34.8% of consumers with scores below 680 were applied in the 12 months before June 2018, only 21.3% had a score of at least 760 applied. In addition, 36.4% of consumers 40 and below applied during that time, while only 18.9% of consumers aged 60 and above applied.

How likely you will be approved for a card…

  • 85.5%: If you are superprime, or with a 720+ FICO score
  • 58.7%: If you are prime, or with a FICO score of 660-719
  • 17.1%: If you are subprime, or with a score under 659

But regardless of your age, there are several reasons why you might want to sign up for a credit card.

Credit building: Although you may think that credit cards can affect your credit, especially if you are not sure about payment on time, the card is really a great way to build Credit.

Pay a large fee: If you have an upcoming medical fee or another large cost, an 0% APR card is a good way to pay without interest.

Residual transfer: Suppose another large cost balance on the old card. Instead of paying interest every month, you other large costs debt to the balance transfer card and pay less interest or avoid it completely.

Earn rewards: With the right reward card, you can earn cash back, miles or points for your daily spending.

Use for travel benefits: Hotel and airline cards offer many exclusive travel benefits, including upgrades and convenience, such as priority boarding and late check-out.

The Best Instant Approval Credit Cards

Card Our Favorite Feature Annual Fee
Fingerhut Credit Account issued by WebBank Easy Application $0
OpenSky Secured Visa Credit Card No credit check needed $35
Horizon Gold Card Fast approval $24.95 auto-debited monthly
Primor Secured Visa Gold Card High credit lines $49
UNITY Visa Secured Credit Card No minimum credit score required $39

illustrated example: OpenSky Secured Visa Credit Card

Balance Transfers Intro APR Purchases Intro APR Regular APR Annual Fee
N/a N/a
19.14% (variable)

Address and Call

  • OpenSky® Attn: Lockbox Operations #660924 2701 East Grauwyler Rd., BLDG 1 Irving, TX 75061

This post is about student credit cards. We provide this information to offer you some of the necessary information that is useful for instant approval credit cards. Also if you are using credit cards and would like to know how to borrow money, please refer to the Best loan companies for poor credit link we just provided in the previous article. 

In addition, we provide a variety of information on insurance or the Swift Code of each bank in the US in many previous articles. If you are living in the US and want to know about insurance or code, people should read some articles like such as Swift Code Bank of New York Mellon Corp, compare car insurance quotes, best insurance companies, car insurance quotes online…

Hillary (Team Content) – Info Credit Free