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Instant Decision Credit Cards

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Prepaid and Credit Cards with Instant Decision

Instant Decision Credit Cards
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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.

Choose the best credit card for your credit history:

OUR CHOICE FOR FAIR CREDIT:

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Key Feature: No Annual Fee

OUR CHOICE FOR BAD/NO CREDIT:

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Key Feature: Guaranteed $500 Unsecured Credit Limit
Sort Cards by:RatingRegular APRAnnual FeeActivation FeeReporting Credit BureausInstant Response

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Credit One Bank® Credit Card with Gas Rewards
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Fair Credit

Fair Credit
Minimum FICO score for this card: 550
You can apply if: your credit history is short; you have recent late or missed payments, recent bankruptcy or loan defaults, or other past credit problems.

(From 550 FICO Score)
Card Details:
  • 1% back on all gas purchases.
  • No limit to the gas rewards you can earn.
  • Rewards post to your account automatically each month.
  • Get pre-qualified without affecting your credit score.
  • Make your first six payments on time and get a credit line increase.
  • Keep an eye on your credit information with free online monthly credit score tracking.
  • Choose your card design from our premium gallery.
  • Email or text alerts to remind you when your payment is due.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
17.90% -
23.90% (V)
$35-$99See termsYesYes

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

TronixCountry™
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Any Credit (No Credit Check)

Any Credit (No Credit Check)
Required FICO score for this card: Any Credit (No Credit Check)
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.

Where to use this card:

Shopping credit cards are good when you prefer online shopping to in-store shopping. These cards are created for exclusive use at a particular retail store or online catalog and come with membership benefits. The issuers of such credit cards report credit activity to at least one major credit bureau, so you have the opportunity to rebuild credit.

Use exclusively at Tronix Country (tronixcountry.com).
Card Details:
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
  • 0% APR.
  • Reward Points for every dollar spent.
  • Shop Brand Name Merchandise.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Free Shipping.
  • Offers 90 Day Cash Discount.
  • No Employment Check.
  • Bad Credit - OK.
  • Response in 60 seconds or less.
  • $100 off $1200 or more (for a limited time) - Use Coupon Code: DEAL100. This will expire on 04/30/14.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0.0%$49$0 ($99 waived)YesYes

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

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

PayPal™ Prepaid MasterCard®
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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.

Card Details:
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions.
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new).
  • Earn Cash back rewards from specially selected stores, restaurants and more.
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
see siteNoYesNoNoNo

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Fingerhut Credit Account
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad Credit

Bad Credit
Required FICO score for this card: 350 to 639
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.

Where to use this card:

Shopping credit cards are good when you prefer online shopping to in-store shopping. These cards are created for exclusive use at a particular retail store or online catalog and come with membership benefits. The issuers of such credit cards report credit activity to at least one major credit bureau, so you have the opportunity to rebuild credit.

Use exclusively at Fingerhut Outlet (Fingerhut.com).
Card Details:
  • Affordable Monthly Payments.69
  • No Annual Fee.68
  • $25 OFF $100 - Promo Code #APR25. ENDS on May 6, 2014.
  • $50 OFF $200 - Promo Code #APR50. ENDS on May 6, 2014.
  • 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".
  • Shop Great Brands at Fingerhut.com.
  • Choose From Over 30,000 Products.
  • Budget Friendly Payments with Fingerhut Credit!
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Free Shipping - Promo Code #APRFREE. ENDS on May 6, 2014.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
24.90%$0$0YesYes

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Next Millennium
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad Credit

Bad Credit
Required FICO score for this card: 350 to 639
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.

Where to use this card:

Shopping credit cards are good when you prefer online shopping to in-store shopping. These cards are created for exclusive use at a particular retail store or online catalog and come with membership benefits. The issuers of such credit cards report credit activity to at least one major credit bureau, so you have the opportunity to rebuild credit.

Use at My Unique Outlet (myuniqueoutlet.com).
Card Details:
  • Shop thousands of your favorite brands.
  • Enjoy a $1,000 Credit Line! To purchase popular brand name products exclusively at our online store.
  • No Credit Checks & No Credit Turndowns!
  • We won´t check your credit and you will not be denied for bad credit Buy Now...Pay Later!
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0%See website$0YesYes

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

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Control Prepaid MasterCard®
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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.

Card Details:
  • Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster.
  • No overdraft fees & a simple fee plan. No cost to order or activate a card.
  • Qualify for a $10 Purchase Cushion and $5/month fee plan after a Direct Deposit of $500 in one calendar month.
  • Earn Cash Back Rewards & Refer A Friend bonuses.
  • Free Bill Pay and online budget management tools.
  • Transfer money to other cardholders online or with your mobile phone.
  • Free Smartphone App - check your transactions, balance and find the closest reload location.
  • Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
$0Yes!YesNoNoNo

** 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.
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.

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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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

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Instant Approval Cards Video

Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

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

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