Fast Approval Credit Cards You Should Consider

If you’re in need of a credit card with a quick approval process, you’re in luck. This guide explores several credit cards known for their fast approval times, ideal for those who need a new card in a hurry. We’ll delve into their benefits, how to apply, and what to expect.

Why Choose Credit Cards with Quick Approval?

• Immediate Access: Get access to credit almost instantly.
• Emergency Use: Ideal for unexpected expenses or emergencies.
• Convenience: Streamlined application processes make it easy and hassle-free.
• Build Credit: Start building or rebuilding your credit without delay.

Top 10 Credit Cards with Quick Approval

1. Chase Freedom Unlimited®
   • Benefits: 1.5% cash back on all purchases, no annual fee.
   • Approval Time: Typically within minutes.
   • Interest Rate: 0% intro APR for 15 months on purchases and balance transfers, then 14.99% – 23.74% variable APR.
2. Capital One QuicksilverOne Cash Rewards Credit Card
   • Benefits: 1.5% cash back on every purchase, reasonable annual fee.
   • Approval Time: Instant approval in many cases.
   • Interest Rate: 26.99% variable APR.
3. Discover it® Cash Back
   • Benefits: 5% cash back on rotating categories, 1% on all other purchases.
   • Approval Time: Typically within minutes.
   • Interest Rate: 0% intro APR for 14 months on purchases and balance transfers, then 11.99% – 22.99% variable APR.
4. American Express Blue Cash Everyday® Card
   • Benefits: 3% cash back at U.S. supermarkets, 2% at U.S. gas stations, 1% on other purchases.
   • Approval Time: Immediate decision in most cases.
   • Interest Rate: 0% intro APR for 15 months on purchases, then 13.99% – 23.99% variable APR.
5. Citi® Double Cash Card
   • Benefits: 2% cash back – 1% when you buy and 1% when you pay.
   • Approval Time: Usually within minutes.
   • Interest Rate: 0% intro APR for 18 months on balance transfers, then 13.99% – 23.99% variable APR.
6. Bank of America® Customized Cash Rewards Credit Card
   • Benefits: 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs.
   • Approval Time: Instant approval for most applicants.
   • Interest Rate: 0% intro APR for 15 billing cycles on purchases and balance transfers, then 13.99% – 23.99% variable APR.
7. Wells Fargo Active Cash℠ Card
   • Benefits: 2% unlimited cash rewards on purchases, no annual fee.
   • Approval Time: Generally immediate.
   • Interest Rate: 0% intro APR for 15 months on purchases and balance transfers, then 14.99% – 24.99% variable APR.
8. Petal® 2 “Cash Back, No Fees” Visa® Credit Card
   • Benefits: 1% cash back on eligible purchases right away, up to 1.5% after 12 on-time monthly payments.
   • Approval Time: Often instant.
   • Interest Rate: 12.99% – 26.99% variable APR.
9. Amazon Prime Rewards Visa Signature Card
   • Benefits: 5% back at Amazon.com and Whole Foods Market, 2% at restaurants, gas stations, and drugstores.
   • Approval Time: Typically within minutes.
   • Interest Rate: 14.99% – 22.99% variable APR.
10. Apple Card
    • Benefits: 3% cash back on Apple purchases, 2% when using Apple Pay.
    • Approval Time: Instant approval through the Wallet app.
    • Interest Rate: 10.99% – 21.99% variable APR.

Frequently Asked Questions (Q&A)

Q: How fast is the approval process for these credit cards? A: Many of these credit cards offer instant approval, which means you can get a decision within minutes of applying online.

Q: What factors influence quick approval? A: Your credit score, financial history, and the completeness of your application can influence how quickly you are approved.

Q: Can I start using my credit card immediately after approval? A: Some credit cards, like the Apple Card, allow you to use the card immediately through a mobile wallet. Others may require you to wait for the physical card to arrive.

Comparison Chart: Credit Cards with Quick Approval

Conclusion

Choosing a credit card with a quick approval process can provide immediate financial flexibility and convenience. Whether you need a card for emergencies, everyday purchases, or to build your credit, the options listed above offer a range of benefits tailored to your needs. By comparing the features and understanding the terms, you can find the best card that fits your lifestyle.

Sources

1. https://www.creditkarma.com
2. https://www.bankrate.com
3. https://www.nerdwallet.com