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6 Credit Cards with Higher Chances of Instant Approval

6 Credit Cards with Higher Chances of Instant Approval

Credit cards are a great help in scenarios where you cannot make the full payment for an item in one go. But, you can rarely use your brand new card immediately after applying for one. With several cards, you have to wait for days before you get it, even after the approval. It is advisable to opt for immediate approval credit cards, which offer you quick processing time and many benefits.

6 immediate approval credit cards to check out

American Express Blue Cash Preferred® Card
The Blue Cash Preferred® Card from American Express is one of the most rewarding credit cards to use in supermarkets, gas stations, specific streaming services, and transit purchases in the country. You also receive a $300 statement credit after spending $3000 in purchases within the first six months of using the card. There is no annual fee for the first year. After that, you will need to pay $95 each year. As a new member, you can also take advantage of the 0% Intro APR on purchases for 12 months from when the account was opened.

SoFi Credit Card
Suited for those who need to pay their debt, the SoFi credit card offers up to 3% cash back on all purchases. These points are redeemable directly into crypto with the SoFi active investment account. The card will also reduce your APR by 1% if you make 12-monthly payments of at least the minimum due on time. So-Fi will also reward you for purchases of popular brands. You will get a $5 Lyft credit for every three rides taken in that particular month. The $5 is credited only once a month. An annual membership to Shoprunner costing $79 is also awarded for free when you qualify for this card.

Chase Sapphire Preferred® Card
Here’s one of the top immediate approval credit cards if you travel frequently. The Chase Sapphire Preferred® Card enables borrowers to earn five times the total points on travel purchases (excluding hotel purchases that qualify for the $50 Annual Ultimate Rewards Hotel Credit). After spending $4000 on purchases in the first three months of opening the account, you receive 60,000 bonus points. These points are equivalent to $750 when redeemed on the Chase Ultimate Rewards® portal for travel. The annual fee for the credit card is just $95. You can explore several additional travel benefits and rewards on the official page.

Chase United℠ Explorer Card
The United℠ Explorer Card from Chase is the perfect choice if you often travel by air. There is no annual fee for the first year, and you will only have to pay $95 annually the following year. The credit card offers up to 70,000 bonus miles. You get the first 60,000 bonus miles after spending $3000 on purchases in the first three months of opening the account. An additional 10,000 bonus miles are credited when you spend a total of $6000 on purchases in the first six months of activating the card. You also get two miles per $1 spent on United, including tickets, food, beverages, and other charges.

Upgrade Triple Cash Rewards Visa®
The Upgrade Triple Cash Rewards Visa® is issued by Sutton Bank with unlimited cash back on payments. Once you activate the credit card, you are immediately eligible for 3% cash back on auto, health, and home categories. You can get credit lines from $500 to $25,000, rest assured at the no-fees feature, and enjoy a $200 bonus when you open a Rewards Checking account and use your debit card to make three transactions. The bonus credit gets credited to your Upgrade Card as a rewards credit in the period of 1-2 billing cycles. Keep in mind that you cannot use this card at the ATM.

Bank of America® Premium Rewards®
With the Bank of America® Premium Rewards® credit card, you will receive 50,000 online bonus points after $3,000 in purchases within the first 90 days of opening the account. The value of the points is equivalent to $500. Furthermore, if you are a Bank of America® Preferred Rewards member, you can get 25%-75% additional points on each purchase. You can also earn unlimited two points for every dollar spent on travel and dining purchases. Other purchases qualify for 1.5 points for each dollar spent. These points have no expiration date. The Premium Rewards® credit card has an annual fee of $95 only.

Tips before applying for an immediate approval credit card
There are only a few creditors that truly offer instant approval credit cards. Therefore, it is imperative to keep these tips in mind when applying for such a card.

Apply online
Your best chance of getting a quick approval is by applying online instead of over the phone or by mail.

Apply for a second card from the same issuer
If you are an existing cardholder with certain banks, including Capital One and Bank of America, you stand a better chance of getting approved for a credit card instantly.

Know the difference between “instant approval” and “instant use upon approval”
Several creditors may offer instant approval credit cards. However, this does not mean you get instant access to the credit line. Therefore, ensure you pick a card that will provide access to the credit line the moment you are approved.

Pick co-branded/store cards
You may often shop from a particular merchant regularly. If you manage to get the merchant’s co-branded or store card, you can make a purchase from their store immediately after approval. Furthermore, you will also benefit from the exclusive purchases made available in their store or the website.

Apply for credit cards where you exceed their criteria
Creditors always have criteria that you must qualify for before being approved. It might be based on your credit limit. And lenders that do not conduct credit checks require a minimum security deposit to issue and approve the card. Therefore, we recommend applying for a credit card where you exceed their requirements, standing a better chance of qualifying for immediate approval.

Read all the terms and conditions
While there is a higher chance of being approved for the credit cards listed above, it is not guaranteed. So we recommended reading the benefits on respective websites, the fees, and their terms and conditions before applying.

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Top 4 Car Insurance Companies for Seniors

Car insurance is mandatory for all drivers, and while senior citizens may not get behind the wheel as often as they used to, auto insurance for them too is a mandate. Insurance companies offer special discounts, tailored policies, and perks for senior drivers who might not want to use their car often. Mature drivers can compare and choose best priced car insurance plans from insurance companies that offer them. Best car insurance for seniors  These four companies offer the best combination of affordable premiums, senior-specific discounts, and exclusive policies to save money on car insurance. Nationwide® Nationwide® car insurance rates are 21% lower than the national average for drivers over 60. For a cheaper premium, the insurance company pays for all liabilities related to bodily injury, personal injury, property damage, uninsured/underinsured motorist protection, treatments, and comprehensive collision coverage. Nationwide® also ensures quality customer service, a grievance-free claims handling process, and ranks among the top vendors for customer loyalty. One of the company's key highlights is the SmartMiles program beneficial for senior drivers with limited mileage after retirement. The yearly car insurance premiums are calculated based on the total number of miles driven with SmartMiles. This policy, available in 40 states, is suitable for seniors who commute less than 12,000 miles per year and can still afford to pay for car insurance after retirement. Overall, the estimated savings with Nationwide® can go upwards of $400 each year, given seniors meet all the driving criteria specified by the company. GEICO Due to competitively lower rates, GEICO ranks among the popular picks in best car insurance for seniors. Drivers between the ages of 65 and 85 can benefit exclusively from additional discounts. One of the key highlights of the policy is the guaranteed renewal program. Policyholders aged 50 and above qualify for the renewal program and may avail of the Prime Time contract features. For this contract, the company specifies that policyholders cannot have any operators/drivers below 25 for the insured vehicle. They should not have been involved in violations or accidents in the three years prior to application with GEICO. But this contract is currently available in only 30 states. Policies also cover accident forgiveness and feature innovative usage-based insurance for good drivers with a clean driving record. GEICO offers exclusive discounts for careful driving habits, retired government & military personnel, and owners with multiple vehicles using the same policy. State Farm® State Farm® is a more lenient option for commuters who may not have a clean driving record. Key highlights of the insurance include a usage-based policy and decent rates for drivers with DUI (driving under the influence) violations. Senior drivers with prior speeding records or driving offenses can also benefit from better rates for insurance premiums. Policyholders earn exclusive discounts and rewards with the company’s patented Drive Safe & Save™ program. Download the app and let the company actively monitor driving and overall performance. Those who match the criteria can save up to 30% on auto insurance rates for the year. Senior drivers with good credit enjoy excellent policy renewal scores and pay 22%-24% less insurance premiums than the national average. State Farm® operates in all 50 states, making it one of the best car insurance for seniors. Allstate® Seniors can save a lot on the best-priced car insurance policies with Allstate®. The company is the fourth largest auto insurance provider in the business. Allstate® also ranks among the best for customer service and claims handling processes. One of the key highlights is the pay-per-mile insurance policy that allows seniors to get affordable rates as per the number of miles driven in a year. The Drivewise® program monitors daily driving habits and provides the insurance company with on-time updates. Also, seniors with the best driving score and a good driving record can avail of low premiums. Allstate® offers addons, including accident forgiveness that prevents a premium increase and features loan or lease gap insurance. It also has an exclusive app that lets all policyholders review their profile, make payments, and monitor insurance status on the go. How to choose from the best car insurance for seniors Since most insurance companies offer various senior discounts and special deals to lower the premium rates, it can be challenging to make a choice. So here we've listed a few things you can consider to make the right choice and get competitive rates. Update driver status online After retirement, seniors should update their status from regular commuters to driving only for leisure. Insurance companies offer unique low-mileage plans or pay-per-mile policies for seniors who drive a limited number of miles in any given year. This detail can be updated while requesting quotes online. Learn defensive driving Some states, by mandate, require seniors to learn defensive driving. Drivers over the age of 50 can benefit from lowered premium rates and enjoy exclusive discounts on the quotes for qualifying for this eligibility criterion. Seniors can consider courses offered by AAA and AARP and spend no more than $20 for the short refresher course. Maintain a proper driving record The number of traffic violations and even accidents determines how much of an insurance risk seniors pose. Having a clean record with minimal infractions increases the chances of getting affordable premiums. Those who have multiple priors should alternatively consider applying to insurance companies that offer policies for average drivers. Compare multiple insurance companies Seniors must compare premium rates and check available discounts across top insurance providers in the country. It may so happen that a company may offer reasonable rates but no special discounts for seniors. Understand that insurance quotes are subject to changes deemed fit and necessary by the insurance provider. Please check and read all contract terms before giving any consent.

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4 Tips to Choose a Burial Insurance Plan

While saving for retirement is essential, buying funeral insurance can also help. It covers the costs associated with a funeral, burial, and other end-of-life expenses. However, finding a suitable policy can be overwhelming. It requires understanding a few unique concepts and comparing several terms and conditions. Further, there are different policy types to choose from, which can be confusing. But following the right tips can help you select the best funeral insurance plan. Estimate your final expenses According to the National Funeral Directors Association, the median funeral and burial cost is $9,420. Apart from that, other expenses like pending hospital bills, legal fees, and credit card bills need to be taken care of when a person passes away. These are called "final expenses." The question is, will your dependents have sufficient funds available for these? It is best to consult a financial advisor if you are unsure of leaving behind enough money. If you have sufficient funds, decide whether you want to save them for the funeral or buy insurance. Most people get insurance as they do not wish to deplete the savings they leave behind for their loved ones. Choose a suitable type of funeral insurance After deciding to get insurance, learn about the types of plans available. There are many options, but the primary ones are discussed below: Preneed insurance Also called prepaid burial insurance, you can purchase the policy from a funeral home by paying a lump sum or monthly installments. It is like a prepaid contract, where you finalize the arrangements with the chosen funeral home in advance. Then the payout goes directly to them to cover your end-of-life expenses when the time comes. There is no death benefit, which means dependents do not get any amount. Final expense insurance People buy this policy from an insurance company. It includes a death benefit, so the payout goes to the family or beneficiaries instead of a funeral home. However, they have to make all the arrangements themselves for the burial service. Besides funeral-related costs, beneficiaries can use the payout to repay debts and meet other final expenses. It is best to choose a final expense plan with no waiting period because it can sometimes take two years or longer before the benefits come into effect. Also, check if a health exam is required to qualify. While most providers have physical exams, some only ask questions regarding the policyholder's health. However, they come with high premiums. Plans that have a level premium, or premiums that do not change for the entire policy tenure, are the best. Decide the level of coverage Funeral insurance plans cannot be offered at discounted rates as they are a highly regulated product. Providers decide the rate depending on the policy's features, and they can vary from state to state. Hence, it is crucial to read the fine print carefully. If the quote exceeds your budget, rework and reduce certain policy features. Choose from the best companies The following are some of the best companies providing funeral plans: Mutual of Omaha They provide funeral insurance plans to seniors aged 45 years and older compared to other companies that offer coverage starting at 50 years. Mutual of Omaha claims to pay around 85 percent of the amount within a day, helping your loved ones meet funeral costs and other immediate expenses. The plans are available in all the states. State Farm State Farm offers up to $10,000 in their burial policy. It gains cash value over the years, which you can withdraw during your lifetime. Since it is a mutual policy, it also pays dividends. Further, premiums can be paid monthly or annually. Transamerica Transamerica is among the best for plans with no waiting period. Available in all states, the company provides instant coverage that takes care of all the expenses from the same day or as soon as the policy goes into effect. It also has one of the broadest age eligibility ranges, from 15 days to 85 years. The payout amount is between $1,000 and $50,000. Foresters Financial Foresters Financial is among the few companies offering free riders. For instance, their PlanRight Whole Life Insurance comes with a Family Health Benefit Rider and Common Carrier Accidental Death Benefit Rider. The policy's coverage ranges between $5,000 and $35,000 for ages 50 to 85. It is available in all the states. AARP AARP has partnered with New York Life to provide various policies, including whole life and burial insurance. Their Guaranteed Acceptance Life Insurance is popular, with coverage ranging from $2,500 to $25,000, depending on the policyholder's location and age. It is available in all states, and those between 50 and 80 can apply. AARP is known for fewer consumer complaints, making it a trustworthy option. Apart from a funeral insurance plan, many people rely on the following alternatives to cover their final expenses: Term life insurance It offers protection for a set period and expires if not renewed on maturity. Also, the plan gets expensive with age. Try to see if it can be converted into a whole life policy for better, more reasonable coverage. Simplified issue life insurance It is for people who cannot qualify for traditional plans due to age or health restrictions. The policy has a short health questionnaire, and beneficiaries can use the amount received as a death benefit to cover funeral costs. Guaranteed life insurance Although expensive, this policy does not require any health qualifications and physical exams. Upon the insured's passing, beneficiaries can use the money for anything, including hospice care and burial expenses.

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Essential Points and Services to Consider for Gutter Protection

Renovation and upgrades are not just limited to the aesthetic changes around the house. It also includes the necessary repairs and maintenance to ensure there are no unnoticed damages that could worsen with time. Rain gutters collect all the water and provide a proper outlet flow to prevent leaks during a heavy pour. And gutter protection systems ensure these drainage outlets operate efficiently. Here are essential points to consider before installing these systems. Gutter guards function as a primary filter Protective covers prevent leaves, mud, sticks, and even smaller rodents or pests from washing into the small opening designed for water collection. This helps lower the cost of maintenance significantly, as you do not have to frequently clean these outlets. Most guards have a crisscross mesh pattern that allows only liquids to flow into the drainage system. With protective covers installed, you spend no more than a couple of hundred dollars to have the entire system serviced twice a year. Long-term utility benefits When water flows freely within the drainage system, it reduces the risk of pooling or overflowing and ultimately leaking. Water pooling, if left unchecked, can also damage the structural integrity of the home. Moreover, dirty, backed-up rainwater becomes a breeding ground for mosquitoes and other parasites, increasing the risk of infection.
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How to Choose the Best Monthly Disposable Contact Lenses Online

Contact lens users can choose from a range of categories of lenses. Among the different types, a popular choice is monthly disposable contact lenses, requiring minimum cleaning and easy handling. You can wear a pair of monthly lenses for 30 days before replacing it. But with several options available online, it can be challenging to find a suitable pick. For your convenience, we’ve discussed a few things you can consider before buying disposable lenses online. Popular monthly disposable lenses available online Purchasing a pair of high-quality contact lenses is imperative to ensure good eye health. We have listed six popular lenses from different brands that you can pick from online. Note that each lens for your left and right eye is designed based on a prescription from an eye doctor. Alcon AIR OPTIX® NIGHT & DAY®AQUA® Approved by the FDA, the AIR OPTIX® NIGHT & DAY®AQUA® flexible lenses are designed to sit comfortably in the eyes for 30 consecutive days and nights as you can sleep in these lenses. A box of six lenses costs about $95.99. The product boasts a SMARTSHIELD® Technology – a protective layer of moisture that repels unwanted deposits that may irritate the eye. Moreover, it is one of the softest and most breathable lens options.
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Tips to Get the Best Deal for a Junk Car

It might be difficult to sell your beloved trusty old commuter car due to its frequent repairs. However, car selling can help you get an extra slice of income, even if it is junk. Statistics suggest that selling your junk car to the auto recycling industry contributes at least $25 billion per year to the national GDP. So, read this article if you are looking to sell your car to a junkyard for some extra cash. Know your car’s true value You will be surprised to know the worth of a junk car as it stands stationed in your garage, gathering dust. There are multiple services and history-based value tools available online that can help you get an estimate of your old car. A thorough evaluation can help you get a good deal, especially if you are looking to sell your car to a junkyard for cash. If your car is inoperable, gathering rust and dust in your garage, consider selling it to auto salvage yards or junkyards. These yards might not offer a higher price, but you can certainly earn some profit by selling your junk car to them. Ask around or look online for the best auto salvage yards that offer you a good deal.
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Top 7 Healthy Energy Bars

With energy bars gaining immense popularity, it comes as no surprise that their market is expected to grow by $1.09 billion this decade in the continent alone. These protein bars have become the go-to choice for a quick and healthy snack as people become increasingly conscious about their food choices. These nutritious mini-meals are highly preferred by young people and athletes alike. Let’s look at some of the leading healthy options for you. Boom If you are among those who love to start their day with a caffeine kick, Boom bars help you just the right amount of that jolt. A single energy bar contains about 150mg of caffeine, which is more than that in a single espresso shot or a regular cup of coffee. Not only that, but they also contain 11g of protein, making it a filling snack. Understandably, they cater to a niche market that specifically enjoys the deliciousness of edible coffee. Boom focuses on highlighting why eating caffeine makes for a smoother experience than simply drinking it. A box of 7 bars costs about $24.  GoMacro These are vegan bars made from sustainably sourced ingredients. These healthy energy bars are organic, Kosher, gluten-free, non-GMO, and even soy-free.

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Invisible Braces – Benefits, Costs, and Top Brands

Invisible Braces – Benefits, Costs, and Top Brands

Braces are the go-to option most people choose for straightening teeth and jaws. This treatment provides aesthetic benefits, helps improve oral health, and relieves pressure from the joints. Traditionally, the base material used to be metal, but the latest developments in dental technology have given us a new option. This article gives you in-depth details about what makes invisible braces so popular, how much these products cost, and the best brands. What are invisible braces? Invisible braces, commonly known as clear aligners, are transparent dental trays that are used to correct your bite. These trays are usually worn for 20 to 22 hours a day. As the teeth shift, you have to make a new invisible tray every one or two weeks. Invisible braces are quite similar to retainers, but the former is used the slowly align your teeth while the latter keeps your teeth in place. Benefits The biggest benefit of invisible braces that’s quite evident at first sight is the fact that they are transparent. Factors like the lack of wires, bands, and brackets make these braces suitable for people of all ages, especially adults. Unlike the metal and ceramic counterparts, these braces can be removed at any time, which makes them easy to clean as well.
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Overactive Bladder – Common Causes and Management Techniques

Overactive Bladder – Common Causes and Management Techniques

Those suffering from an overactive bladder experience an increased urge to urinate. Such an uncontrollable need significantly compromises one’s quality of life. Issues that arise from this condition may lead the patient to compromise or rearrange their daily routine around their diagnosis. One may even suffer from bladder-related symptoms due to complications from other diseases like diabetes. This article highlights the significant causes as well as management techniques of an overactive bladder in patients: Causes Overactive bladder can result from various reasons such as unhealthy lifestyle choices, age, and underlying health conditions. Here are some of the common causes that lead to the development of this urological condition:  Poor pelvic muscle strength Pelvic muscles provide the lower abdomen with the necessary support. As a person ages, their muscles tend to lose strength. Weak muscles are, thus, a common causative factor that leads to the development of an overactive bladder. Factors like pregnancy and childbirth are also known to weaken the pelvic floor muscles.    Nerve damage This cause of an overactive bladder is quite common as the nerves can sustain damage from conditions like multiple sclerosis and herniated discs. This damage affects the signal transfer among the brain and other body parts, including the bladder.
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Top 9 Life Alert System Providers for Seniors

Top 9 Life Alert System Providers for Seniors

A medical alert system consists of life-saving devices that instantly connect the user with emergency help with the push of a button. Such equipment helps seniors live independently and offers peace of mind to their loved ones and caregivers. A good-quality life alert system for seniors has several useful medical features like fall detection, GPS tracking, and professional monitoring. In this article, we’ve listed the best medical alert systems for seniors out there today. Medical Guardian Founded in 2005, Medical Guardian is known for designing best-in-class life alert devices and systems. Depending on the lifestyle of a senior individual, they can choose between different types of On-The-Go and In-House systems. Almost every Medical Guardian life alert system for seniors features its state-of-the-art fall detection technology, along with other essential features like GPS location tracking, extra neck/wrist buttons, and water resistance. This company’s medical alert products have the longest battery life (up to 168 hours) and furthest signal range (up to 1300 feet) compared to any other product on the market. Medical Guardian also has a highly reliable monitoring center that operates 24/7. Bay Alarm Medical With over 70 years of experience in life alert devices, Bay Alarm Medical is one of the most trusted providers in the country.
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Dental Implants – Its Types and Associated Costs

Dental Implants – Its Types and Associated Costs

The ability of dentures or implants to mimic natural teeth is so impressive that it has changed millions of lives worldwide. These prosthetics are used when natural teeth have significant issues. With a little maintenance, they can be an efficient and long-lasting solution. So, if you are planning to get them yourself, the following article can help you know the factors to consider and the prices of dental implants and dentures. How do dental implants work? Before discussing dental implant prices, it is essential to understand how they work. Dental implants consist of three different pieces that serve distinct functions, as given below: Implant post Also known as the fixture, this small, cylindrical screw acts as an artificial root for the tooth. Abutment This piece connects the implant post and the crown. There are various types of abutments depending on the prosthetic type requiring support. Crown The final piece of the entire prosthetic, the crown rests on the top of the abutment. It can be made from porcelain, metal, resin, or ceramics. Porcelain or ceramic crowns look the most natural. Costs of dental implants Depending on one’s needs, there are four types of dental implants. Given below are average costs for the same:
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Dental Procedures That Don’t Need Braces for Teeth Alignment

Dental Procedures That Don’t Need Braces for Teeth Alignment

If your teeth alignment has always made you conscious of your smile, you need to address the issue. Crowded or crooked teeth and crossbites can majorly affect your facial profile and the way you chew your food. The insecurity and complications of a crossbite only grow with age. If you’re contemplating ways to align your teeth, and you want to achieve that without braces, you’ve come to the right place.  This article discusses teeth alignment options that are possible without prominent braces. Invisalign It is one of the most popular ways of teeth alignment without braces. The treatment involves using a set of clear retainer trays made to fit the moving teeth. You will be given a set of new retainer trays every two weeks to make the desired changes. They can be removed when eating, but one needs to ensure they have them on for at least 22 hours in a day. The treatment tenure depends on the severity of the case and takes approximately around 12 to 24 months to align teeth. Advantages They are invisible, so you won’t have to avoid social gatherings or feel awkward They are removable, which makes cleaning the trays and teeth easy  These can be removed when having a meal, which means fewer restrictions when eating Disadvantages Invisalign is a more expensive option  The flexibility of removing trays can elongate the treatment if not worn for prescribed hours  Some may develop a lisp or speak awkwardly with trays Inman Aligner This is another efficient way of teeth alignment without braces.
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Signs and Remedies of Pulmonary Fibrosis

Signs and Remedies of Pulmonary Fibrosis

Pulmonary fibrosis is a severe lung disease that occurs when the lung tissue is damaged and scarred. The scarring leads to thickened, stiff tissues and makes it difficult for the lungs to work efficiently. Several factors may cause pulmonary fibrosis. However, doctors cannot assess what triggers the condition. While the damage to the lungs is irreversible, there are several remedies that can help. So here are the signs of pulmonary fibrosis and some remedies. The signs of pulmonary fibrosis Before getting into the remedies of the condition, let’s learn about the signs of pulmonary fibrosis. Doing so can ensure proper diagnoses and care at the earliest. The first sign of pulmonary fibrosis is getting out of breath. The symptom occurs when the person exerts themselves through physical exercise. When the condition progresses, the affected individual may find it hard to breathe even with little to no physical activity. Older people who experience shortness of breath often confuse the condition as a sign of aging, failing to diagnose the disease early. Other signs of pulmonary fibrosis include: A dry cough. The sudden loss of weight. Fatigue. Pain in the muscles and joints. Clubbing, a condition that results in the widening and rounding at the tips of the fingers or toes.
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