Prepaid and Credit Cards with Instant Decision
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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.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
Apply for a credit card today - Get a response today! Summary of Card Features:
- Have a checking account? Apply today!
- A credit card offer for those with less than perfect credit!
- Apply for a credit card today - Get a response today!
- Reports your credit history to the major Consumer Reporting Agencies.
- This is a credit card - not a debit or prepaid card.
- You may be able to reestablish your credit history by making timely minimum payments with all creditors and keeping your account balances below the credit limits.
| Annual Fee | See website* |
| Activation Fee | See website* |
| Regular APR | See website* |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Have a checking account? Apply today!
- A credit card offer for those with less than perfect credit!
Bad Credit
Required FICO score for this card: 350 to 619
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.
No Annual Fee Summary of Card Features:
- Affordable Monthly Payments.69
- No Annual Fee.68
- No Over Limit Fee.68
- Get Response in 60 seconds.
- No down payments, no layaway and no surprises.
- We often say "YES!" when others say "No".
| Annual Fee | $0 |
| Activation Fee | See website |
| Regular APR | 24.90% |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- No annual fee.
- Quick approval.
- Good for people with less than perfect credit.
- High APR.
Bad / No Credit
Required FICO score for this card: 0 to 619
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or foreclosures.
Free 24/7 Customer Service Summary of Card Features:
- Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
- Choose from multiple fee plan options, and switch for free.
- Earn fee rebates for maintaining balance in RushGoals program.
- Transfer money to another RushCard member for just $0.99.
- Free 24/7 customer service.
- Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance - free of charge.
| Activation Fee | $9.95 |
| Guaranteed Approval | No |
| Instant Response | Yes |
| Credit Check | No |
| Build Credit | No |
| Reporting Credit Bureaus | No |
- Convenient schedule of fees.
- Your funds are FDIC-insured.
- No risk of overdraft fees.
- Has account maintenance fees.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
Countdown to your response! Only 60 seconds! Summary of Card Features:
- Checking Account Required.
- A good choice for those with less than perfect credit.
- This is a credit card, not a debit card or prepaid card.
- Countdown to your response! Only 60 seconds!
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
- Monthly reporting to major Consumer Reporting Agencies. Apply now!
- No security deposit required.
| Annual Fee | See website* |
| Activation Fee | See website* |
| Regular APR | See website* |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Checking Account Required.
- A good choice for those with less than perfect credit.
- This is a credit card, not a debit card or prepaid card.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
Apply for a credit card today - Get a response today! Summary of Card Features:
- Must have checking account to qualify.
- A Gold credit card offer for those with less than perfect credit.
- Responsible account management (making timely monthly payments with all creditors and keeping balances within the limits) may help rebuild credit history.
- Reports your credit history to the major Consumer Reporting Agencies.
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
| Annual Fee | See website* |
| Activation Fee | See website* |
| Regular APR | See website* |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Must have checking account to qualify
- A Gold credit card offer for those with less than perfect credit.
Bad / No Credit
Required FICO score for this card: 0 to 619
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or foreclosures.
No Activation Fee Summary of Card Features:
- No Activation Fee.15
- $10 for enrolling in direct deposit.15
- Fees as low as $4.95 per month.
- Takes you places cash can´t go.
| Activation Fee | $0 |
| Guaranteed Approval | No |
| Instant Response | No |
| Credit Check | No |
| Build Credit | No |
| Reporting Credit Bureaus | No |
- Get convenience as if it credit o debit card.
- Buy airline tickets or make hotel reservations.
- Use as cash card/money card.
- Not a credit card.
Bad Credit
Required FICO score for this card: 350 to 619
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.
Apply Now and Get a $500 Credit Line or More Today
- Credit Increases Up To $5,000.78
- 0% APR.
- No Turn Downs.
- Reports to Major Bureau.
- No Employment Check.
- Bad Credit - OK.
| Annual Fee | $49 |
| Activation Fee | $99 |
| Regular APR | 0.0% |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Approval regardless your credit rating.
- Get reward points for every dollar you spend.
- No interest charge, ever.
- For shopping at Tronix Country only.
Bad / No Credit
Required FICO score for this card: 0 to 619
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or foreclosures.
$0 activation fee when you signup online! Summary of Card Features:
- $0 activation fee when you signup online!
- Earn $20 with free direct deposit of your employer paychecks on to your PayPower card.
- Earn $30 when you direct deposit your government benefits checks on to your PayPower card.
- Refer a friend and earn $20 when they sign up.
- No Credit Check, Overdraft Fees, Minimum balances or existing bank account required.
- Use everywhere Visa debit cards are accepted, including online and at ATM´s.
- Safe and secure alternative to cash and funds are protected by the Visa Zero Liability policy.
- Free online bill pay, customer service, and card to card transactions.
| Activation Fee | see site |
| Guaranteed Approval | No |
| Instant Response | No |
| Credit Check | No |
| Build Credit | No |
| Reporting Credit Bureaus | No |
- Faster tax refund with PayPower.
- No minimum balance required.
- Use everywhere Visa debit cards are accepted.
- Charges monthly maintenance fee.
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
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Instant Approval Cards Video
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Instant Approval Cards
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** FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit product.
* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply" button, you can review the credit card terms & conditions on the credit card issuer´s website.
15 See Card Terms and Conditions.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
78 In Accordance with Terms and Conditions.