Updated February 15, 2019 (PayPal Cashback Mastercard added to the list.) – These days, when you apply for a credit card, you want to know in an instant if you are getting the approval or not. Below we’ve made a list of cards that offer an “instant decision” on your credit card application — these cards do not guarantee you’ll get an approval in an instant, but they will try to accept or reject you while you wait, often in less than a minute:
- American Express Credit Cards – All of the consumer cards offered by American Express have this message on the application page online: “Get a decision in as little as 30 seconds.” Pick the American Express card that fits your needs and you’re likely to get a decision on approval instantly. Cards include the Blue Cash Everyday Card and more.
- Bank of America Credit Cards – All of the Bank of America online credit card applications have this message indicating an instant decision: “Complete your application and get a response in as little as 60 seconds.” Offers a range of reward cards including the Cash Rewards Mastercard, plus other choices.
- Barclays Credit Cards – All the credit cards issued by Barclays Bank have the message “Get an Instant Response” on their online applications. This includes Barclays-branded cards like the Barclaycard Ring Mastercard as well as cards issued on behalf of other companies.