Credit Cards Before Christmas

Credit Cards Before Christmas

If you need credit before the holidays, then you should apply for a credit card before December. Approval is expedited in our instant credit approval section, and cards normally take at least 1 week to arrive. You can view current credit card offers by selecting a category on the left menu or view the popular offers below.

  Citi® Diamond Preferred® Card

	Credit Needed Good Credit Rewards None Annual Fee 0* 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.* 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass® $0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee*

	Credit Needed Excellent Credit Rewards Airlines Annual Fee 0* Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else Exclusive access to Gold Card Destinations and events- Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events Introductory annual fee of $0 for the first year, then $175 Get approved in 60-seconds.

	Credit Needed Good Credit Rewards Cash Back Annual Fee 0* 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%* 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

  Orchard Bank Classic MasterCards

	Credit Needed Poor Credit Rewards None Annual Fee 39* Apply now and receive a instant credit decision!* An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly 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 are available to remind you of your upcoming payment due date Knowledgeable customer service representatives to assist you with questions or concerns

	Credit Needed Poor Credit Rewards None Annual Fee 39* Apply now and receive a instant credit decision!* An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly 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 are available to remind you of your upcoming payment due date Knowledgeable customer service representatives to assist you with questions or concerns

	Credit Needed Poor Credit Rewards None Annual Fee 39* An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly Acceptance at millions of locations worldwide, including website purchases and reservations Email and text messages are available to remind you of your upcoming payment due date Knowledgeable customer service representatives to assist you with questions or concerns

Frequently asked questions

Please read our disclaimer about this information

What is "credit cards before Christmas"? Cards listed here are estimated to have the fastest approval process amongst all other cards. We provided this page so you can rest assured that once approved (normally within 2 minutes) you will receive your card before the holidays.

How long does it take to find out if I am approved? In most cases, depending on your credit record, issuers will give you a decision within 30 seconds to 2 minutes after submitting your application.

What interest rate or terms will the issuer offer me? Applications are almost always considered on a case-by-case basis. Your profile and credit report and/or score will help determine rates that card issuers can issue you.

When will I receive my card? You are in the section for expedited approval, therefore cards should be received faster than most cases. Otherwise, please view the issuer's terms and conditions for further information. We also estimate that if you are approved before December 6th, you will receive your credit card before Christmas.

Is my credit report or score used in the approval process? In almost all cases, yes. We estimate that 95% of card issuers for major credit cards obtain your credit report and score before considering a credit card issuance.

I do not know my score, how can I obtain this? You can either request your report by mail (normally does not include your FICO score) or order a full credit report and/or score on-line. We strongly urge every consumer to obtain a credit report annually to ensure accuracy of data reported to the 3 major credit bureaus, Experian, Equifax and Trans Union.

My question was not listed here, how can I get help? Please go to our help and general frequently asked questions or contact customer service. If you want to contact the issuer directly, click on "online application", then contact the instant credit issuer.

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