The cards below are no annual fee travel rewards credit cards that offer instant approval (or at least an instant decision) on your application. Most will require at least average credit to be approved, some may require excellent credit. Note that we have not included travel cards that have an annual fee.
- BankAmericard Travel Rewards Visa – Bank of America says you can “get a response in as little as 60 seconds” to your application for this travel credit card that gives you 1.5 points per dollar. Use points to pay for travel-related expenses at a penny-per-point redemption rate. (For example, 10,000 points equals $100 in travel expenses.) You’ll get 20,000 extra points if you use the card for at least $1000 in purchases in the first 90 days of having it.
- Capital One VentureOne Card – Capital One “will attempt to provide a decision in 60 seconds or less” when you apply for this travel credit card. If approved instantly, you’ll have a card that gives you 1.25 miles per dollar charged to the card. You can then use those miles as money (1 miles equals 1 cent) to offset travel purchases you make with the card. For example, 10,000 points would get you a $100 travel credit.
- Blue Sky from American Express – Travel credit card offers 1 point for every dollar charged to the card, and you redeem points against travel purchases in increments of 7500 points for each $100 rebate. For example, if you redeem 7500 points on a trip that cost $600, you would receive a $100 statement credit, effectively reducing the cost of the trip to $500. “Get a decision in as little as 60 seconds.”
- Wyndham Rewards Visa – This no-annual-fee Wyndham hotel credit card offers an “instant response” to your online application, and a nice travel rewards program, too. Every 15,000 points you earn in the program gets you a free night at any Wyndham hotel. You’ll earn points at a rate of 3 points per dollar on Wyndham stays and 2 points per dollar on all other purchases. You’ll also get a quick 15,000-point bonus after you use the card for the first time.
- Hilton HHonors Card from American Express – No annual fee hotel credit card allows you to earn Hilton points with every purchase, and you’ll “get a decision in as little as 60 seconds” on your application. Get 7 points per dollar on Hilton purchases, 5 points per dollar on restaurant, supermarket, and gas station purchases, and 3 points per dollar on everything else.
- JetBlue MasterCard – JetBlue Airways frequent flyer credit card offers an “instant response” to your application. The card gives you 3 JetBlue TrueBlue points per dollar on JetBlue purchases with the card, 2 points per dollar on restaurant & grocery store purchases, and 1 point per dollar on all other purchases. You’ll get 5,000 bonus points if you buy at least $1000 worth of stuff with the card in the first 90 days.
- Choice Privileges Visa – The loyalty rewards credit card of Choice Hotels (Comfort Inn, Sleep Inn, EconoLodge, etc.) promises you an “instant response” on your card application. If approved, you’ll get 15 points per dollar on Choice Hotel purchases with the card, and 2 points per dollar on all other purchases. You can also earn 40,000 bonus points (good for up to 4 free nights) if you spend at least $1000 with the card within 90 days of getting it.
- Priceline Rewards Visa – “Get an Instant Response” when you apply for Priceline’s credit card that gives you 5 points per dollar on Priceline purchases and 1 point per dollar on everything else, plus 5,000 bonus miles after you use the card for the first time. Points generally equate to a penny per point, though you do get a 10% rebate of your points whenever you actually redeem them, which makes their worth a bit more.
- Frontier Airlines MasterCard – Offers an “instant decision” on your application. This no annual fee card (there is also a different Frontier card with a $69 fee and more perks) gives you one mile per dollar on Frontier purchases and a 1/2 point per dollar on card purchases outside of Frontier. You’ll get 10,000 bonus miles after your first purchase with the card.