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The Chase PerfectCard™
  • 0% Intro APR*
  • 6% Gas Rebates*
  • No Annual Fee
    *See Card Terms
Apply Online
 
 
Chase Platinum
  • 0% Intro APR*
  • Platinum benefit
  • No Annual Fee
    *See Card Terms
Apply Online
 
 
Blue Cash® from American Express™
  • 0% Intro APR*
  • Up to 5% cashback
  • No Annual Fee
    *See Card Terms
Apply Online
 
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Instant Decision Credit Cards for Good Credit

Instant Decision Credit Cards - Good To Excellent Credit







  Instant decision credit cards offer a decision in minutes when you apply online for the credit card. Getting an instant decision on your application offers added convenience and speed when applying for a credit card online.

Also See:
Instant Decision Credit Cards - Bad Credit


Discover® Open Road(SM) Card


  • 0% Intro APR*
  • Save at the pump and everywhere else.*
  • 5% Cashback Bonus® on gas and auto maintenance purchases
  • 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus® on all other purchases
  • Unlimited cash rewards
  • Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
  • CLICK HERE TO APPLY ONLINE

    *View Rates, Fees, Rewards and Other Important Information
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
0%*
6 months on Purchases &
12 months on Balance Transfers*
As low as 10.99%*
None*
Yes*
Excellent Credit*


Blue from American Express™


  • Membership Rewards ExpressSM program
  • 0% APR on purchases for up to 15 months
  • No annual fee
  • Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
  • Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
  • Express Approval. Get a decision in less than 60 seconds.
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
0%*
up to 15 months*
As low as Prime + 4.99%*
None*
Yes*
Excellent Credit*


Discover® More(SM) Card


Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
0%*
6 months on Purchases &
12 months on Balance Transfers*
As low as 10.99%*
None*
Yes*
Excellent Credit*


HSBC Platinum MasterCard® with Cash Back Rewards


  • Earn unlimited 1% cash back rewards on new net retail purchase, everywhere you shop!
  • Simple and straightforward rewards: no earnings caps, spending categories, tiers or point expiration
  • Platinum benefits include unlimited purchases protection, extended warranties and rental car insurance
  • 0% Introductory APR on card purchases and balance transfers for 12 months and no annual fee, for qualifying applicants*
  • Instant decision in as little as 60 seconds
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
0%*
12 Months*
As low as 8.99%*
None*
Yes*
Good Credit*


Citi® PremierPass(SM) Card


  • 10,000 bonus points after $300 in purchases made within 3 months of account opening
  • No annual fee
  • 0% APR on Balance Transfer for up to 12 months
  • Earn 1 Flight Point for every 3 miles you fly on any airline-- or anyone else whose ticket you buy with the card.
  • Earn 1 Purchase Point for all purchases
  • Purchase APR as low as 10.24%
  • ThankYou Network®
  • CLICK HERE TO APPLY ONLINE

    *See Card Terms and Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
0% on Balance Transfers*
12 Months*
As low as Prime + 4.99%*
None*
Yes*
Good Credit*


Capital One® No Hassle Cash Rewards


  • 1% cash back on all purchases you make from day one
  • No limit on cash back and rewards won't expire for the life of your account
  • 14.9% APR on purchases and balance transfers
  • Request your cash back rewards whenever you want
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
N/A*
N/A*
14.90%*
None*
Yes*
Excellent Credit*


GM Flexible Earnings Card


  • 0% introductory APR for 12 months (on balance transfers)
  • A full 1% cash back option
  • A full 1% earnings toward any other new vehicle
  • Triple your earnings to 3% toward an eligible, new GM vehicle
  • No annual fee
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
0%*
12 Months*
As low as 14.24%*
None*
Yes*
Good Credit *


Capital One® No Hassle Miles Rewards


For customers with excellent credit
  • 13.9% APR on purchases and balance transfers
  • Earn 1.25 miles for each dollar spent on purchases
  • No blackout dates or seat restrictions
  • No expiration date on miles and no limit on the miles you can earn
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
N/A*
N/A*
13.90%*
None*
Yes*
Excellent Credit*


American Express® Preferred Rewards Gold Card


  • No annual fee for the first year - $125 Thereafter
  • Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card!
  • No Pre-Set Spending Limit
  • 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
  • Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide
  • Global Assist® Plus Hotline and many more benefits included
  • Express Approval. Get a decision in less than 60 seconds.
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
N/A*
N/A*
N/A*
No annual fee 1st year - $125 Thereafter*
No*
Good Credit*


Blue Cash® from American Express™


  • Up to 5% Cash Back with Unlimited Cash Rewards
  • Earn unlimited cash back
  • 0% Intro APR for 6 months
  • Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
  • No Annual Fee
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
0%*
6 months*
As low as Prime + 4.99%*
None*
Yes*
Excellent Credit*


Citi® Platinum Select® / AAdvantage® World MasterCard®


  • 25,000 AAdvantage bonus miles after you make $750 in purchases within 4 months *
  • Earn 1 AAdvantage® mile for every $1 you spend on eligible purchases*
  • No blackout dates for AAdvantage award travel on select carriers*
  • Redeem AAdvantage miles with over 25 of the world's top airlines, major car rental companies and hundreds of luxurious hotels worldwide*
  • AAdvantage® miles may never expire*
  • Reduced Mileage Awards*
  • No pre-set spending limit*
  • CLICK HERE TO APPLY ONLINE

    *See Card Terms and Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
N/A*
N/A*
Prime + 9.99%*
1st year free; then $85*
Yes*
Good Credit*


American Express® Preferred Rewards Green Card


  • No annual fee for the first year - $95 Thereafter
  • Earn 5,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $50 gift card*
  • 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
  • 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
  • Many other travel and shopping benefits
  • No Pre-Set Spending Limit*
  • Express Approval. Get a decision in less than 60 seconds
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
N/A*
N/A*
N/A*
No annual fee 1st year - $95 Thereafter*
No*
Good Credit*


Hilton HHonors® Platinum Credit Card from American Express™


  • Earn 10,000 HHonors bonus points after your very first purchase on the Card - enough for a free night*
  • Earn 15,000 bonus points after you spend $5,000 in 5 months - that's in addition to the 15,000 you would earn for your Card spending
  • 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)
  • Receive 5 HHonors bonus points for each dollar spent at Hilton Family hotels and for eligible purchases at supermarkets, drugstores, gas stations, dining establishments and more
  • Get 3 Hilton HHonors bonus points for each eligible dollar you spend everywhere else
  • No annual fee
  • Express Approval. Get a decision in less than 60 seconds.
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
2.90%*
6 Months*
Prime + 9.99%*
None*
Yes*
Excellent Credit*


Citi® Gold® / AAdvantage World MasterCard®


  • 15,000 AAdvantage bonus miles after you make $750 in purchases within 4 months*
  • NO ANNUAL FEE for 12 months!*
  • Earn 1 American Airlines AAdvantage mile for every $1 you spend on eligible purchases - up to 60,000 miles per year*
  • No blackout dates for AAdvantage award travel on American Airlines, American Eagle & AmericanConnection® carriers*
  • AAdvantage miles may never expire*
  • Redeem AAdvantage miles with over 25 of the world‘s top airlines, major car rental companies and hundreds of luxurious hotels worldwide
  • Reduced Mileage Awards - 5,000 fewer AAdvantage miles to select destinations
  • No pre-set spending limit*
  • CLICK HERE TO APPLY ONLINE

    *See Card Terms and Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
N/A*
N/A*
Prime + 9.99%*
1st year free; then $50*
Yes*
Good Credit*


Blue Sky® from American Express™


  • Earn 1 point for every dollar you spend
  • Travel anytime: No blackout dates or restrictions
  • No annual fee and a 0% intro APR for 6 months
  • World class benefits*
  • CLICK HERE TO APPLY ONLINE

    *See Terms & Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
0%*
6 months*
As low as Prime + 4.99%*
None*
Yes*
Good Credit*


Citi® Bronze® / AAdvantage® World MasterCard®


  • Receive 5,000 Bonus Miles after your first purchase with the card*
  • Earn 1 AAdvantage® mile for every $2 you spend on eligible purchases*
  • No blackout dates*
  • AAdvantage® miles may never expire*
  • CLICK HERE TO APPLY ONLINE

    *See Card Terms and Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
N/A*
N/A*
Prime + 9.99%*
None*
Yes*
Good Credit*


AT&T Universal Savings Platinum Card


  • Up to 10% savings for the first 12 months on AT&T purchases
  • 0% APR* on Balance Transfers for up to 12 months
  • No Annual Fee
  • Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits
  • CLICK HERE TO APPLY ONLINE

    *See Card Terms and Conditions
Intro APR
Intro Period
Regular APR
Annual Fee
Balance Transfer
Credit Needed
0% on Balance Transfers*
Up to 12 Months *
As low as
Prime + 3.99%*
None*
Yes*
Good Credit*


FICO Credit Scores
Excellent Credit 750-850
Good Credit 660-749
Fair Credit 620-659
Bad/Poor Credit 350-619
No Credit 0-0
Do You Know Your Credit Score? Find Out Now!
Get Your FREE Triple Credit Score
What is a Credit Score?

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases,
your credit score will determine whether you will be approved for a credit card.
Credit Score Facts

1. Credit Scores range from 300-850, the higher the better
2. Most lenders base approval on your credit score.
3. Higher Scores mean lower payments and better deals.
4. Higher Scores mean Lower interest rates.
5. Scores are determined by 5 main categories:
  • Payment History
  • Amounts Owed
  • Length of Credit History
  • Type of Credit Used
  • New Credit

 



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