The best instant approval credit card for good credit is the Capital One SavorOne card. It offers $200 for spending $500 in the first 3 months. The card also has a $0 annual fee.
It is worth noting that instant approval does not guarantee approval. It just means you may receive a decision within seconds of applying for a card.
How to increase your chances of getting instantly approved for a credit card
In general, to get instant approval for a credit card, you’ll want to make sure you’re well within the approval criteria for the card you’re applying for. For the best results, have a clean credit report with no late payments, a “good” credit score and enough annual income to satisfy the credit card company that you’ll be able to pay your bill.
There are many credit cards for good credit that have the potential to instantly approve an online application. So, to increase your chances of getting approved instantly, it would be best if you apply online.
Here are some of the best instant approval credit cards for good credit:
To further improve your instant approval odds, try applying for a credit card for fair credit rather than one that requires good credit at a minimum. As a person with good credit, you’ll be much more qualified. Store credit cards are a good example. They all require at least fair credit, have great rewards and are known for offering instant approval online or in person.
If it takes longer to get a decision on your credit application, it could be because they need to deliberate further on your information. It could also be because the credit card company is having trouble verifying your identity. In the case of the latter, they’ll likely ask you a few more questions and it could take a few days to get a decision.