Instant Approval Store Credit Cards

(This is a regularly updated post; last update 6/8/22.) Credit cards from retail stores often give customers instant approval. In fact, they often will approve you instantly, and even incentivize you to use that card the same day by giving you an immediate discount on your first purchase. Below is a list of store credit cards that may approve you instantly, along with information on any extras they might give you as a new cardholder:

  • Amazon Store Card – This Amazon credit card is accepted only at Amazon (unlike the Amazon Visa) and offers special financing on larger Amazon purchases. You can be instantly approved and will instantly get a $10 Amazon gift card added to your account when you are.
  • Apple Card – Apple (and card issuer Goldman Sachs) may approve you and let you use the card instantly, although at first you’ll only be able to use it from your iPhone or other Apple device. (You can also get a physical card but you’ll have to wait for that in the mail.) This cash-back MasterCard gives you a 3% rebate on your Apple purchases, 2% on most purchases when you use the card with Apple Pay (some Apple Pay purchases give 3%), and 1% on everything else.
  • Athleta Credit Card – Get instantly approved here and you’ll get 20% off of your first purchase with this credit card.
  • Banana Republic Credit Card – The GAP family of stores is well-known for offering instant approval on their credit cards, and Banana Republic is no exception. You’ll get 20% off your first purchase when you’re approved.

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