Best Instant Approval Credit Cards 2021

We compared fees, APR, rewards, bonuses, and more to find the top small-business credit cards.
Best overall
american express logo
Blue Business Cash Card/Blue Business Plus Credit Card from American Express
3.6 out of 5 stars
3.6
$0.00 annual fee
  • Icon Pros  Dark
    American Express card
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 12 mos.
Best flat-rate rewards
Capital One
Spark Cash Select/Spark Miles Select from Capital One
3.5 out of 5 stars
3.5
$0.00 annual fee
  • Icon Pros  Dark
    Capital One card
  • Icon Pros  Dark
    Cash or points rewards
  • Icon Pros  Dark
    0% APR for 9 mos.
Best for Costco shoppers
Citi
Costco Anywhere Visa Business Card by Citi
3.1 out of 5 stars
3.1
$0.00 annual fee
  • Icon Pros  Dark
    Visa card
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    15.24% starting APR
Best for travel rewards
american express logo
Delta SkyMiles Gold Business Card from American Express
3.7 out of 5 stars
3.7
$99.00 annual fee
  • Icon Pros  Dark
    American Express card
  • Icon Pros  Dark
    Miles rewards
  • Icon Pros  Dark
    15.74% starting APR
Best flat-rate rewards
Capital One
Spark Cash Select from Capital One
3.5 out of 5 stars
3.5
$0.00 annual fee
  • Icon Pros  Dark
    Capital One card
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 9 mos.

Nobody likes waiting around for an answer―especially when it comes to important things like you and your business’s finances. Fortunately, some credit card issuers offer instant card approval. That means you can submit your credit card application and then get an answer within just one or two minutes.

Of course, instant approval isn’t the only thing you look for in a credit card―which is why we’ve found the instant approval cards with the best rewards, rates, fees, and features. We’ve even found instant approval options for your business and for you.

We know you don’t have time to waste, so let’s get to our rankings.

The best instant approval credit cards for business

Compare the best instant approval credit cards for business

Credit card
Card issuer
Intro/ongoing annual fee
Min./max. purchase APR
Introductory APR
Get a card
american express logo

Blue Business Cash Card/Blue Business Plus Credit Card

American Express$0.00/$0.0013.24%/19.24%0% for 12 mos.
Capital One

Spark Cash Select/Spark Miles Select

Capital One$0.00/$0.0013.99%/23.99%0% for 9 mos.
Citi

Costco Anywhere Visa Business Card by Citi

Citi$0.00/$0.0015.24%/15.25%N/A
american express logo

Delta SkyMiles Gold Business Card

American Express$0.00/$99.0015.74%/24.74%N/A
Capital One

Spark Classic

Capital One$0.00/$0.0026.99%/26.99%N/A

Data effective 04/20/21. At publishing time, amounts, rates, and requirements are current but are subject to change. Offers may not be available in all areas.

Applying for an instant approval credit card

When a card issuer offers instant approval, it doesn’t necessarily mean that you specifically will get instantly approved. (Sorry to burst your bubble.) It just means that it’s possible to get approved instantly―or within 30 to 60 seconds, really.

So what makes you more likely to actually get that instant approval? Well, a lot of it comes down to your personal credit score. If you have a solid credit history and a high score to go with it, you’re more likely to get immediately approved than if you have a low credit score. 

But even good credit is no guarantee that you’ll get an instant answer to your credit card application. It may take a day or two for your card issuer to make a decision, even if you have a pretty solid card application. Sometimes, that’s just how it goes.

And speaking of waiting, you need to understand that an instant approval credit card is not the same thing as an instant use credit card. Even if you get the instant approval you want (woo!), you may still have to wait a few days to get your physical card in the mail. Some issuers (like American Express) will offer you an instant card number you can use in the meantime (like a virtual credit card), but not all do.

Put simply, you may need to keep your expectations in check when it comes to how instant an instant approval credit card actually is.

Blue Business Cash Card/Blue Business Plus Credit Card: Best overall instant approval credit card

american express logo
Blue Business Cash Card/Blue Business Plus Credit Card
3.5 out of 5 stars
3.5
  • $0.00 annual fee
  • Check
    1–2% cash back/1–2x points
  • Check
    $250 bonus cash back after spending $5,000 in 6 mos.; $250 more after spending $10,000 in 12 mos./10,000 bonus points after spending $3,000 in 3 mos.
  • Check
    Free employee cards

Two American Express credit cards top our rankings of the best instant approval cards: the Blue Business Cash Card and Blue Business Plus Credit Card.

These two business cards are almost identical. They’ve got the same APR (annual percentage rate) range and (lack of) annual fee. Likewise, they have the same cash advance, balance transfer, and foreign transaction fees. The only real difference is that the Blue Business Cash Card earns cash back rewards, while the Blue Business Plus Credit Card earns points rewards.

But what makes these two instant approval cards so great?

For starters, they’re American Express cards―which means that if you get instantly approved, you’ll receive a credit card number that lets you start using your new credit line right away. So beyond instant approval, you get instant credit. 

Instant credit aside, they’re simply solid business credit cards. (They’re on our list of the best business credit cards.) They have competitive interest rates, earn decent rewards, and have low fees. Plus, both cards offer Expanded Buying Power―which lets you spend past your credit limit. You have to pay back the extra you spend each month, yes, but it gives you more flexibility than your average credit card.

That’s not to say these are the perfect business credit cards. Other cards earn higher reward rates, for example, and have better bonus offers for new cardmembers. But these are two well-rounded instant approval cards that have plenty of advantages.

So for most businesses looking for an instant credit card, we recommend either the Blue Business Plus Credit Card or the Blue Business Cash Card.

Spark Cash Select/Spark Miles Select: Best flat-rate rewards

Capital One
Spark Cash Select/Spark Miles Select
3.7 out of 5 stars
3.7
  • $0.00 annual fee
  • Check
    1.5% cash back/1.5x miles
  • Check
    $200 bonus cash back/20,000 bonus miles after spending $3,000 in 3 mos.
  • Check
    Free employee cards

Want your new credit card to earn plenty of rewards without much effort on your part? Get a flat-rate reward card like Spark Cash Select or Spark Miles Select from Capital One.

Spark Cash Select and Spark Miles both earn rewards at a consistent, unchanging rate of 1.5% cash back or 1.5x miles, respectively. So you never have to worry about spending the right amounts in the right categories. Instead, you’ll earn the same amount of rewards for each dollar you spend with your business credit card. 

Now, that does mean that these cards don’t work great for people who want to max out their reward potential. Variable rate cards can earn more than flat rate reward cards―but you have to pay attention to your spending. And if you can live with slightly lower reward potential, these Spark Select cards offer low rates and fees while still giving you pretty competitive rewards and bonus offers.

So if you want to simplify your spending and earning, the Spark Cash Select and Spark Miles Select cards are your best instant approval card options.

Money
Want to earn more rewards?

If you’re willing to pay an annual fee ($95) and have a higher interest rate, you can earn more rewards (2% cash back or 2x miles) with Spark Cash and Spark Miles from Capital One.

Costco Anywhere Visa Business Card: Best for Costco shoppers

Citi
Costco Anywhere Visa Business Card
3.1 out of 5 stars
3.1
  • X
    $0.00 annual fee
  • Check
    1–4% cash back
  • Check
    Free employee cards
  • X
    No new cardmember offers

Do lots of business buying at Costco? You can get instantly approved for the Costco Anywhere Visa Business Card.

As you can probably guess from the name, this store card was designed for Costco shoppers. You can use it anywhere, of course, but you earn more cash back by using your card at Costco warehouses and Costco.com. Most purchases earn you 1% cash back, but Costco purchases get you double rewards with a 2% rate. (Restaurants, travel, and gas earn you even more, with rates between 3% and 4%.)

This card does require you to have an active Costco Membership (a $60 annual expense), so it does work best for businesses that already like and use Costco. If that describes you, though, you can get instantly approved for your new Costco credit card―and you can even get a barcode that lets you immediately use your new store card. 

Put simply, Costco lovers will get plenty of rewards―and immediate use―from the Costco Anywhere Visa Business Card. 

Delta SkyMiles Gold Business Card: Best travel rewards

american express logo
Delta SkyMiles Gold Business Card
2.9 out of 5 stars
2.9
  • $99.00 annual fee (waived first year)
  • Check
    1–2x miles
  • Check
    70,000 bonus miles and $50 bonus cash after spending $2,000 in 3 mos.
  • Check
    Free employee cards

Does your business require much travel? Then you’ll like the travel rewards and perks you get from the Delta SkyMiles Gold Business American Express Card.

This card earns you reward miles on all your spending, with up to 2 miles per dollar (on Delta, advertising, shipping, and dining expenses). But you get more than just miles. This card also gets you travel perks like a free checked bag, priority boarding status, flight vouchers, in-flight savings, and more on Delta flights. In other words, it makes travel more affordable and more convenient.

Do note, however, that this card does have an annual fee―so you’ll want to be sure you earn enough rewards to offset that fee. If you don’t fly Delta much, that will be harder. But if Delta is your main airline, you’ll get to take full advantage of the SkyMiles Gold Business Card. And since it’s offered by American Express, you’ll get an instant card number to start using your Delta card (though only on Delta purchases).

With travel rewards and travel benefits, the Delta SkyMiles Gold Business Card offers a great instant approval option for frequent travelers.

Spark Classic: Best for low credit

Capital One
Spark Classic from Capital One
2.3 out of 5 stars
2.3
  • $0.00 annual fee
  • Check
    1% cash back
  • Check
    Free employee cards
  • X
    No new cardmember offers

As we told you earlier, most instant approval cards are geared toward people and businesses with good credit. But if you’ve got just fair credit, you can still get immediate approval with Spark Classic from Capital One.

Capital One made Spark Classic specifically for businesses that don’t have excellent credit scores (either because of a lack of a credit history or because of credit-dinging events). Instead, you need just fair credit to qualify. And once you have the Spark Classic, you can use it to improve your credit score. Just use it responsibly and pay it off regularly, and you should start to see improvement.

Do keep in mind, though, that the Spark Classic isn’t the best credit card out there. It charges really high interest rates (if you carry a balance, of course), and it maxes out at 1% cash back. In other words, the Spark Classic card should be a stepping stone toward a better business credit card―not your final destination.

If you’re fine using it that way, then the Spark Classic provides an excellent instant approval credit card option for businesses with fair credit.

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The best personal instant approval credit cards

So far, we’ve reviewed cards that have been designed specifically for business use. But you can get personal credit cards that offer instant approval too.

These next cards work great for personal spending. And yes, you can technically use them for business use too―but we recommend sticking with a business card for business expenses. (That way, you can keep your finances simple, build business credit, get employee cards, and so on.)

Compare the best personal instant approval credit cards

Credit card
Card issuer
Intro/ongoing annual fee
Min./max. purchase APR
Introductory APR
Get a card
american express logo

Blue Cash Everyday Card

American Express$0.00/$0.0013.99%/23.99%0% for 15 mos.
american express logo

Blue Cash Preferred Card

American Express$0.00/$95.0013.99%/23.99%0% for 12 mos.
american express logo

Delta SkyMiles Gold

American Express$0.00/$99.0015.74%/24.74%N/A
Capital One

Venture Rewards

Capital One$95.00/$95.0017.24%/24.49%N/A

Data effective 04/20/21. At publishing time, amounts, rates, and requirements are current but are subject to change. Offers may not be available in all areas.

Blue Cash Everyday Card: Best instant approval personal credit card

american express logo
Blue Cash Everyday Card
3.7 out of 5 stars
3.7
  • $0.00 annual fee
  • Check
    1–3% cash back
  • Check
    $250 bonus cash after spending $1,000 in 3 mos.

The Blue Cash Everyday Card from American Express is our overall favorite instant approval credit card for personal use.

That’s because it offers a great deal all around. You don’t pay any annual fee, but you still earn up to 3% cash back on your purchases. Plus, you get a 0% introductory APR for 12 months. And even after that promotional period ends, you end up with a pretty competitive interest range. In others words, it’s a versatile card for everyday use―and since it’s from American Express, you can get a credit card number immediately after approval.

With that said, this card really is a jack of all trades rather than a master of one. Other cards have higher reward earning potential, get you more extra perks, and have lower fees (like cash advance fees). 

But for many people, a well-rounded card is exactly what they need―which is why the Blue Cash Everyday Card is our top personal credit card for instant approval.

Blue Cash Preferred Card: Highest cash back rewards

american express logo
Blue Cash Preferred Card
3.5 out of 5 stars
3.5
  • $95.00 annual fee (waived first year)
  • Check
    1–6% cash back
  • Check
    $300 bonus cash after spending $3,000 in 6 mos.

Want a more specialized card? The Blue Cash Preferred Card from American Express has the most cash back potential you can find on a personal instant approval credit card.

Blue Cash Preferred lets you earn up to 6% cash back on your purchases (on streaming subscriptions and your first $6,000 at supermarkets, specifically). That’s an incredibly high rewards rate. Sure, some purchases get a lower rate (like 3% on transit and gas), but you always earn at least 1%. So depending on how you spend, the Blue Cash Preferred Card could earn you plenty of cash rewards.

Of course, if you don’t spend on streaming and you have few transit and gas costs (maybe because you work from home), then the Blue Cash Preferred may earn you less than you expect―and either way, you’ll be saddled with the $95 annual fee. So definitely take a look at your spending habits before you submit your card application.

But for people who want to earn the most cash back possible, the Blue Cash Preferred Card offers just that―and with instant approval and use to boot. 

Delta SkyMiles Gold American Express Card: Best personal travel rewards

american express logo
Delta SkyMiles Gold American Express Card
2.3 out of 5 stars
2.3
  • X
    $0.00 annual fee
  • Check
    1–2x miles
  • Check
    70,000 bonus miles after spending $2,000 in 3 mos.
  • Check
    Free employee cards

Want travel rewards for your personal spending? The Delta SkyMiles Gold American Express Card has the best travel benefits for personal credit card users.

Just like the business version we reviewed above, this card earns you up to 2x miles for each dollar you spend (in this case, that rate applies to dining, supermarkets, and Delta expenses). And you get some (but not all) of the same perks, like a free checked bag and in-flight discounts (on Delta flights), plus a $100 Delta flight credit.

Also like the business version, the Delta SkyMiles Gold card does charge an annual fee (of $99), so you’ll want to ensure that your spending and travel habits make this card worthwhile.

With any luck, they will―and you’ll get a solid instant approval card with excellent travel benefits for you.

Venture Rewards from Capital One: Best flat-rate travel card

Capital One
Venture Rewards from Capital One
2.3 out of 5 stars
2.3
  • $95.00 annual fee
  • Check
    2x miles
  • Check
    100,000 bonus miles after spending $20,000 in 12 mos. or 50,000 bonus miles after spending $3,000 in 3 mos.

More interested in flat-rate travel rewards than variable rewards (like Delta SkyMiles Gold offers)? Try the Venture Rewards card from Capital One instead.

Venture Rewards earns a flat rate of 2x miles for each dollar you spend. And since it’s a flat rate, you never have to worry about spending enough in a specific category. Plus, Venture Rewards gets you travel perks like a $100 credit toward TSA Precheck or Global Entry.

That said, Venture Rewards doesn’t get you free checked bags or flight credits. So depending on what you value in a travel card, it may not give you the rewards you want. And it has a $95 annual fee, which means you’ll need to earn enough rewards to make the fee worth it.

But thanks to its flat rate rewards, Venture Rewards makes it easy to earn miles with an instant approval credit card.

Instant approval credit card FAQ

How can I get instantly approved for a credit card?

If you want instant credit card approval, you need to submit an application with a card issuer that offers instant approval―and then hope you have a strong enough card application to get an immediate answer.

Remember, instant approval is a possibility, not a guarantee. You can improve your chances of getting an immediate answer by having an excellent credit score (whether that’s a personal credit score or a business credit score). But you really can’t know for sure that you’ll get instantly approved until you’re, well, instantly approved.

What credit cards offer instant approval?

Some major card issuers, like Capital One and American Express, offer instant credit approval on most cards. Many store credit cards also offer instant credit card approval (and sometimes even immediate use).

What credit card is the easiest to get approved for?

The easiest credit cards to get approved for are designed for users with no credit history or bad credit, such as the Spark Classic from Capital One or the Wells Fargo Business Secured Credit Card.

You may be able to qualify for these cards with fair or even poor credit. But keep in mind, a card that’s easier to get will usually have a higher interest rate and a low credit limit.

What credit cards are best for building credit fast?

Pretty much any credit card should let you build your credit history and boost your credit score―so long as you use it properly (not maxing out your credit limit, for example, and paying off your card balance each month). 

That said, if you don’t have much credit history to begin with (or you have bad credit), you’ll probably want to start off with a secured business credit card. Secured cards require collateral (usually cash) to qualify for, but they’re easier to get―making them perfect for improving your credit report.

Recap: What is the best instant approval credit card?

The Blue Business Cash Card and Blue Business Plus Credit Card offer versatile cards for everyday spending―plus instant card access―making them our overall favorite instant approval credit cards.

For a flat-rate reward alternative, we suggest Spark Cash Select or Spark Miles Select from Capital One. But depending on where you spend, you may prefer the Costco Anywhere Visa Business Card (for Costco lovers) or the Delta SkyMiles Gold Business Card (for Delta travel fans). And if you need an option designed for lower credit scores, Spark Classic offers instant approval for even fair credit.

Just remember that instant credit card approval is a possibility, not a guarantee. Your chances depend on your credit check and other factors. So even if you don’t get instantly approved, we hope you end up getting approved later―and that you enjoy your new credit card. 

Before you submit your credit card application, make sure you understand the process with our guide to applying for a business credit card.

Methodology

To find the best credit cards for instant approval, we looked specifically at credit card companies that offer and advertise instant card approval (and, in some cases, instant card use). We then compared factors like APR, fees, rewards, and bonus perks to score, rank, and review the top instant approval cards.

Disclaimer

At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

Chloe Goodshore
Written by
Chloe Goodshore
Chloe covers business financing and loans for Business.org. She has worked with many small businesses over the past 10 years, from video game stores to law firms. Those years watching frustrated business owners try to sift through their many options gave her a passion for breaking down complex business topics. She wants to help business owners spend less time agonizing over their businesses so they can spend more time running them.
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