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Instant Credit Card Approval

Compare the best Canadian "instant credit cards" and "guaranteed credit cards". Online approval means easy approval - and your information will be processed in seconds. Looking for 60 second credit card approval? Instant approval means that in most cases you will receive a quick decision - sometimes within 60 seconds!
  APR Annual Fee Balance Transfer Rate Balance Transfer Fee Credit Required  
Card Image Capital One Guaranteed MasterCard® Review
May help you strengthen your credit history
67.0
57 votes
1 2 3 4 5
19.80% $59 19.8% 0% with application Needs Improvement Apply
Card Image Capital One Gold MasterCard®: 11.9% Review
Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
51.0
30 votes
1 2 3 4 5
11.90% for 3 years $19 11.9% for 3 years 0% with application Good Credit Apply
Card Image Capital One Aspire Cash™ World MasterCard® Review
1.5% cash rewards on all purchases
63.0
20 votes
1 2 3 4 5
Prime + 16.80% $120 19.80% 0% with application Excellent Apply
Card Image Capital One Aspire Cash™ Platinum MasterCard® Review
Earn cash rewards and pay no annual fee!
66.0
22 votes
1 2 3 4 5
Prime + 16.80% $0 19.80% 0% with application Good Credit Apply
Card Image Capital One Cash Gold MasterCard® Review
1% cash rewards on all of your purchases
60.0
10 votes
1 2 3 4 5
21.90% $39 21.90% 0% with application Establish Credit Apply
Card Image Capital One Guaranteed Secured MasterCard® Review
Guaranteed Approval
57.0
27 votes
1 2 3 4 5
19.80% $59 19.8% 0% with application Establish Credit Apply
Card Image Capital One Low Rate Guaranteed Secured MasterCard® Review
Guaranteed Approval
70.0
37 votes
1 2 3 4 5
14.90% $69 14.9% 0% with application Establish Credit Apply
Card Image Capital One Low Rate Guaranteed MasterCard® Review
Low rate on purchases and balance transfers
65.0
17 votes
1 2 3 4 5
14.90% $79 14.9% 0% with application Needs Improvement Apply

Get a decision now with instant approval

Some credit card companies offer instant approval on select cards. Keep in mind however that instant approval doesn't mean guaranteed approval. If you have bad credit, no credit, or a low credit score but still need instant approval, you'll want to look into secured cards.

How does instant approval work?

When you submit your application, it is immediately reviewed by a computer based on information available to the credit card company. Your approval is dependent on your personal information, such as credit score and financial situation. By having excellent credit, you are demonstrating to the credit card company you are a low risk customer and therefore more likely to receive instant approval.

Why wasn't my application approved instantly?

If your approval isn't instant, it may be because the credit card company requires additional information about your application. You will be notified if this is the case and you will need to provide the requested information by mail within 7-10 days of notification. Not having a credit history or a recent change of address may prevent the system from approving you instantly.

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