Some instant credit card providers take as little as 60 seconds to determine whether you will get approved or not. If your credit score is excellent, and you have supplied all the required information, you could get a final decision, and access to your account, within minutes. But if your information is incomplete, or the lender needs to check something further, the final decision may take several days. And you may have to wait for around 7-10 business days for the issuing of the actual physical credit card.