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American Express
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Category - Instant Approval

Instant Approval Credit Cards

As the name implies, this type of credit card has an express approval process when applying online. The approval can usually be made within about 60 seconds. Computer linkage between the banks and credit reporting agencies make this possible. You can expect an increasing number of credit cards to have an express or instant approval process as time goes by and computer connections become even more sophisticated.

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Official Name, Features, Rates and Fees

American Express(R) Gold Card

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in 60 seconds.

Annual Fee	Credit Level	Intro Rate	Intro Length	Normal Rate
$125	Very Good	n/a	n/a	n/a

Orchard Bank Visa Cards

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Annual Fee	Credit Level	Intro Rate	Intro Length	Normal Rate
See Terms*	Fair	n/a	n/a	7.90% - 28.90%

* See the online credit card application and web site for specific terms and conditions of any offer.
Reasonable efforts are made to maintain the accuracy of the information presented on this website.
All information is presented without warranty. You can click on the "Apply Now" graphic to examine the credit card terms and conditions directly on the credit card issuer's web site .


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