Finding an "Instant" Decision Credit Card

While most credit card companies like to have some time to evaluate your application, more and more rely on credit reporting formulas and online information access and can in almost all cases get you an instant credit card within just a few minutes of your application online.

Beware, though, that these aren't always the cards with the best rates, and that sometimes banks recognize that instant decision credit cards are for people who have little patience for more traditional application processes, so the rates are often jacked up even higher.

But the good news is that there are definitely cards you can apply for online, and here's a summary of some of the best, with the latest terms as detailed:

Amazon.com Platinum Visa Card
apply online

Blue from American Express
apply online

Citi Platinum Select Card
apply online

Blue Cash from American Express
apply online

The GM Credit Card
apply online

Household Bank / Orchard Bank Credit Card
apply online

Citi Dividend Platinum Select Card
apply online

Blue for Business from American Express Credit Card
apply online

American Express Gold Business Credit Card
apply online

Platinum Business Credit Card from American Express
apply online