Instant Approval Credit Cards

We, as a society, are becoming more accustomed to instant gratification. Thanks to the Internet, applying for credit cards is no exception.

By applying online, potential cardholders can have their credit checked in a flash, which will determine where or not they qualify for a credit card. This doesn't, however, mean that an instantly-approved cardholder can start making purchases right away.

Until the card arrives physically in the mail, one might have to wait to make any charges. However, some online stores will extend a limited credit line until the credit card arrives and is activated.

Credit Panda's Recommended Credit Card

Credit Panda recommends Blue from American Express® as our favorite Instant Approval credit card.

  • 0% APR on Purchases for Up To 15 Months
  • Membership Rewards Express(SM) program
  • Low Balance Transfer APR - 4.99% Fixed APR for the Life of the Balance
  • No Annual Fee
  • Blue is Your Launch Pad to Standout Shopping and Entertainment Rewards and One-of-a-Kind Experiences
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for up to 15 Months

10.99% Variable

$0

None

Blue Cash® from American Express®

  • Up To 5% Cash Back with Unlimited Cash Rewards"
  • Best Cash-Rebate Card" by Kiplinger's Personal Finance
  • 0% Intro APR for 6 Months on Purchases
  • Earn Unlimited Cash Back
  • Low Balance Transfer Rate - 4.99% Fixed APR for the Life of the Balance
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

10.99% Variable

$0

None

Hilton HHonors® Platinum Card from American Express®

  • Earn 15,000 Bonus Points After You Spend $5,000 in 5 Months -- That's in Addition to the 15,000 Points You Would Earn for Your Card Spending
  • Earn 10,000 HHonors Bonus Points After Your Very First Purchase on the Card - Enough for a Free Night
  • Receive 5 HHonors® Bonus Points for Each Dollar Spent at Hilton Family and for Eligible Purchases at Supermarkets, Drugstores, Gas Stations, Dining Establishments, and More
  • Earn 10,000 HHonors Bonus Points Over the Course of Your First Four Stays at Any Participating Hilton Family Hotels (2,500 HHonors bonus Points Each Stay)
  • Get 3 HHonors Bonus Points for Each Eligible Dollar You Spend Everywhere Else
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

2.9% APR for 6 Months

15.99% Variable

$0

Very Good

American Express® Preferred Rewards Gold Card

  • Earn 10,000 Membership Rewards® Bonus Points After Your First Purchase with the Card - Redeemable for a $100 Gift Card
  • No Annual Fee for the First Year - $125 Thereafter
  • The Membership Rewards Program® � Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend. You can Redeem Points for Your Choice of Truly Exceptional Travel, Shopping, and Entertainment Rewards
  • No Pre-Set Spending Limit
  • Gold Card Events � Exclusive Access to Tickets for Select Concerts, Shows, Major Sporting Events, and More in Cities Nationwide
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$125

Good

American Express® Preferred Rewards Green Card

  • Earn 5,000 Membership Rewards® Bonus Points After Your First Purchase With the Card -- Redeemable for a $50 Gift Card
  • No Annual Fee for the First Year - $95 Thereafter
  • Purchase Protection Plan Protects Eligible Purchases Made with the Card Against Accidental Damage and Theft for up to 90 Days from the Date of Purchase
  • The Membership Rewards® Program also Lets You Transfer Points to 11 Frequent Flyer Programs: 1 Point = 1 Frequent Flyer Mile or Frequent Guest Credit for Most Programs
  • Many Other Travel and Shopping Benefits
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$95

None

Blue Sky from American Express

  • Redeem Points to Save on Any Airline, Hotel, Rental Car or Cruise - Up to $100 Off for Every 7.500 Points
  • Earn Points on Everything You Buy With the Card
  • Travel Anytime: No Blackout Dates or Restrictions
  • Earn 1 Point for Every Dollar You Spend
  • No Annual Fee and 0% Intro APR for 6 Months
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

10.99% Variable

$0

None

Delta SkyMiles® Gold Credit Card

  • Earn 2,500 Bonus Miles for Adding an Additional Cardmember with their Application
  • Earn 15,000 Bonus SkyMiles® after Your First Purchase with the Card
  • Earn One SkyMile for Virtually Every Dollar You Spend
  • Always Double Miles® on Every Eligible Dollar You Spend at Supermarkets, Drugstores, Gas Stations and More
  • No Annual Fee for the First Year, $85: $30 if You are a Qualified American Express Cardmember
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

9.99% APR for Life of Balance Transfers

15.99% Variable

$95

Good

IN:CHICAGO® Card from American Express

  • Points have No Expiration Date and You can Redeem Points for Rewards in Chicago, New York and Los Angeles
  • Earn One INSIDE(SM) Rewards Point for Virtually Every Eligible Dollar You Spend, whether You're in Chicago or Not
  • No Annual Fee
  • 0% APR for 6 Months
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

9.99% Variable

$0

None

One from American Express®

  • Get $50 after Your First Purchase
  • No Pre-Set Spending Limit
  • Never Pay Interest on New Purchases
  • Earn a Competitive Annual Percentage Yield (APY), Currently 3.50% (Variable Rate As of 3/4/2008)
  • The Savings Accelerator(SM) Plan Contributes 1% of Eligible Purchases into an FDIC-Insured High-Yield Savings Account in Your Name
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

11.99% Variable

$35

None

JetBlue Card from American Express®

  • TrueBlue Points Don't Expire. Use Your Card or Fly JetBlue and we Extend the Life of Your Points for a Full Year
  • Earn 50 TrueBlue® Points after Your First Purchase - That's Half Way to an Award Flight!
  • Earn Double Award Dollars on Entertainment, Leisure, Travel and Dining
  • Earn One Award Dollar for Virtually Every Dollar You Spend
  • 200 Award Dollars = 1 TrueBlue Point and 100 TrueBlue Points = One Round Trip Flight
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

3.99% APR for 6 Months

15.99% Variable

$40

None

Clear from American Express

  • Automatic Rewards. You'll Get an American Express Branded Shopping Card Worth $25 Delivered Straight to Your Door Every Time You Spend $2,500
  • No Fees of Any Kind. No Annual Fee, No Late Fees, No Over-Limit Fees, No Balance Transfer Fees, No Cash Advance Fees
  • No Annual Fee and 0% Intro APR for Up to 12 Months
  • Flexible Payment Terms. You Can Pay in Full, or Carry a Balance. The Choice is Yours
  • World Class Cardmember Benefits Including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Months

11.99% Variable

$0

None

IN:NYC® Card from American Express

  • Points have No Expiration Date and You Can Redeem Points for Rewards in New York
  • Earn One INSIDE(SM) Rewards Point for Virtually Every Eligible Dollar You Spend in New York City
  • No Annual Fee0% APR for 6 Months
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

9.99% Variable

$0

None

IN:LA(SM) Card from American Express

  • Points have No Expiration Date and You Can Redeem Points for Rewards in Los Angeles, Chicago and New York
  • Earn One INSIDE(SM) Rewards Point for Virtually Every Eligible Dollar You Spend, whether You're in Los Angeles or Not
  • No Annual Fee
  • 0% APR for 6 Months
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

9.99% Variable

$0

None

The Knot Credit Card from American Express®

  • Earn an Additional 10,000 Bonus Points when You Spend over $15,000 on the Card Annually
  • Start Out with a Great Wedding Gift - 5,000 Membership Rewards® Points the First Time You Use the Card, which Can Be Redeemed for a $50 Gift Card
  • No Annual Fee. Pay over Time or in Full
  • Track All of Your Wedding-Related Expenses with the Card on One Monthly statement
  • Exclusive Welcome Gift: Plan Every Detail of Your Wedding with The Knot Wedding Planning Kit, Including The Knot Wedding Binder, where You Can Manage Wedding Ideas, Budgets, Guest Lists, To-Do's and More
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

9.99% Variable

$0

None

Starwood Preferred Guest® Credit Card from American Express®

  • Earn 15,000 Bonus Starpoints® After You Spend $15,000 In 6 Months
  • Earn 10,000 Starpoints® with Your First Purchase - Enough for Up To 3 Free Nights at a Category 1 or 2 Hotel
  • Use Starpoints® for Free Nights and Upgrades at over 860 Participating Starwood Hotels and Resorts in 95 Countries
  • Winner "Best Affinity Credit Card" at the 19th Annual Freddie Awards -- Voted on by Frequent Travelers
  • Transfer Starpoints® Almost Always on a 1:1 Basis to the Frequent Flyer Programs of over 30 Major Airlines
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

2.9% APR for 6 Months

15.99% Variable

$45

Very Good

The Nest Credit Card from American Express®

  • Earn an Additional 10,000 Bonus Points when You Spend over $15,000 on the Card Annually
  • Start Out with a Great Nest-Warming Gift - 5,000 Membership Rewards® Points the First Time You Use the Card, which Can Be Redeemed for a $50 Gift Card
  • Exclusive Welcome Gift: The Nest Planning Kit, Filled with Many Helpful Items to Get the Two of You Started Including The Nest Planning Binder, Designed to Help You Organize and Manage Home Expenses and Joint Finances
  • No Annual Fee. Pay over Time or in Full
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

9.99% Variable

$0

None