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 FeeApplication Processing FeeReporting Credit BureausInstant Response
First Access Visa
Compare
Minimum Required Credit History:
Fair/Bad Credit
Card Details:
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won´t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
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

Total Visa 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
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
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

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

Surge Mastercard®
Compare
Minimum Required Credit History:
Fair/Bad Credit
Card Details:
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Summary of Card Features:
Regular APRAnnual FeeApplication Processing FeeReporting
Credit Bureaus
Instant Response
See Terms*See Terms*N/AYesYes

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

Total Visa 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
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
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

Prism Loans
Minimum Required Credit History:
Fair Credit
Loan Details:
  • Repay over 24 months
  • Get Your Funds Fast
  • Competitive APR
  • Safe & Secure
Summary of Loan Features:
Employment RequiredMaximum
Loan Amount
Minimum
Loan Amount
Minimum
Income Required
Minimum Age
of a Borrower
No$10,000$100See terms18

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 Credit Card from Netspend and United Airlines New Credit Card from Netspend and United Airlines

If you're looking for a prepaid card that lets you earn miles, you're in luck, because United Airlines and prepaid card provider Netspend, will be rolling out the MileagePlus GO Visa Prepaid Card. With this card, travelers can earn miles, which can...Continue reading

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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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