Instant Decision Credit Cards

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Credit Card Applications » Instant Response Cards

Prepaid and Credit Cards with Instant Decision

Apply online and you may get approved within sixty seconds, but before you apply please note that some of the products on this page do not offer instant approval though a response will be provided within 60 seconds. Most of these cards do not come with a high credit limit, but they are great for people who want to find out right away whether they can get approved for a card.

If you have good or excellent credit history and can wait 7-10 business days for a response, check out one of our other categories - Credit-Land.com has lots of cards to choose from that will offer you variable interest rates, great rewards, and/or reasonable credit limits.

Sort Cards by:RatingRegular APRAnnual FeeActivation FeeReporting Credit BureausInstant Response
Horizon Gold Credit Card
Compare
Minimum Required Credit History:
Bad Credit
Where to use this card:
Use exclusively at the Horizon Outlet (thehorizonoutlet.com).
Card Details:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0.00%See TermsSee TermsYesYes

To apply for this card you need to have an active credit card or debit card

National Credit Direct
Compare
Minimum Required Credit History:
Any Credit
Where to use this card:
Use exclusively at National Credit Direct (nationalcreditdirect.com).
Card Details:
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • FREE: Get your credit score every month and reasons affecting it.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0.0%$49$0YesYes

To apply for this card you need to have an active credit card or debit card

WebBank/Fingerhut Credit Account
Compare
Minimum Required Credit History:
Bad Credit
Where to use this card:
Use exclusively at Fingerhut Outlet (Fingerhut.com).
Card Details:
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
See Terms$0See TermsYesYes

6 In Accordance with Terms and Conditions.

Behind the Process of Instant Credit Cards

The instant credit card application and decision process depends on your financial history, credit score, and the card issuer's approval policies. Some banks can take longer than others to deliver your results. Instant approval cards are only offered by a few banks in the United States.

The Reality of Instant Credit Cards

- The lower-than-average spending limits these cards offer are another sacrifice you must make for this kind of application approval process. If you are looking for amenities and bonuses, they are not always the most lucrative option.

- Instant approval does not necessarily mean that you can go shopping right away. The card will take up to 15 business days to arrive, and very rarely will a bank offer to provide you with approved credit card information instantly.

- Most of the instant approved cards are supported by Visa and MasterCard network, providing coverage for things like roadside assistance, secondary car rental insurance, and extended warranties on purchases.

Our Experts about Instant Approval Cards

latest news:

Viking Cruise Credit Card Program on the Horizon Viking Cruise Credit Card Program on the Horizon

Viking Cruises has signed a new long-term deal with Alliance Data Systems Corporation making the way for a loyalty based credit card program for the cruise line. The deal also includes co-branded credit card services. Continue reading

More instant approval cards news

related research:

Horizon Gold Credit Card: Guaranteed Approval, Even for Bad CreditHorizon Gold Credit Card: Guaranteed Approval, Even for Bad Credit

Customers with bad credit or no credit are guaranteed approval and promised a $500 credit line when they apply for this card. The issuer reports to credit bureaus and can help boost your credit score.Continue reading

More instant approval cards research
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Instant Approval Cards Video

Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

February 28, 2015

Questions & Answers about
Instant Approval Cards

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