Capital One
www.capitalone.com
- Will let you check to see if you are pre qualified without having to do a full app. If you like the card offer you can apply and find out instantly.
HSBC
www.householdbank.com
- Fill out the prequalification form and they will let you know which card you qualify for. They even offer one with no annual fee (although a higher rate applies). Decisions are instant.
Your local credit union - Will take the longest to get a response, but if approved will be the lowest rate / fees of any of the three.
