Instant Decision Credit Cards

Advertising Disclosure
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
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 FeeApplication Processing FeeReporting Credit BureausInstant Response
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*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Get $50 off $200 - USE Promo Code NC787. Expires: 9/30/2016.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Summary of Card Features:
Regular APRAnnual FeeApplication Processing FeeReporting
Credit Bureaus
Instant Response
25.15%$0See TermsYesYes
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 FeeApplication Processing 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

Gettington Credit
Compare
Minimum Required Credit History:
Fair / Good Credit
Where to use this card:
Use exclusively at Gettington Outlet (Gettington.com).
Card Details:
  • Easy Monthly Payments.
  • 20-50% MSRP*.
  • Brands you love featuring closeouts and overstock.
  • New deals added weekly.
  • No annual account fee.
  • Free Shipping* with promo code GTNFS.
  • *See site for details.
Summary of Card Features:
Regular APRAnnual FeeApplication Processing FeeReporting
Credit Bureaus
Instant Response
25.15%$0See TermsYesYes
Total VISA® Unsecured Credit Card
Compare
Minimum Required Credit History:
Bad/Fair Credit
Card Details:
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Summary of Card Features:
Regular APRAnnual FeeApplication Processing FeeReporting
Credit Bureaus
Instant Response
See Terms*See Terms*See Terms*YesYes

To apply for this card you need to have an active checking account

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.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Summary of Card Features:
Regular APRAnnual FeeApplication Processing 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

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:

New Travel Card From Synchrony Financial and Fareportal New Travel Card From Synchrony Financial and Fareportal

People will soon have a new travel card available - the Synchrony Financial Fareportal credit card. The new co-branded credit card includes six months special financing, along with access to exclusive benefits and rewards at well known travel sites ...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
Instant Decision Credit Cards
Latest Deals & Tips
about Cards for
Bad Credit
in your inbox.
Subscribe for FREE!

Instant Approval Cards Video

Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

February 28, 2015

Questions & Answers about
Instant Approval Cards

Have a question regarding credit cards?

Ask our expert and get a FREE professional consultation by e-mail.

Leo Zhu
Credit-Land Expert on Credit Cards

See Also Other Card Offers: