Prepaid and Credit Cards with Instant Decision
about Instant Approval
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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 / 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.
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.
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.
Sign up and get Approval in Seconds! 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.
- Safer than carrying cash, use everywhere Visa debit cards are accepted.
- Choose from multiple fee plan options, and switch for free.
- Conveniently send money to family and friends with card to card transfers.
- 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 |
- No interest charges.
- Low maintenance fee.
- Fast and free direct deposit.
- A prepaid 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.
Guaranteed $500 Unsecured Credit Limit Summary of Card Features:
- $500 Credit Limit.70
- Guaranteed approval for unsecured credit line.
- No Credit Check.
- Fast Online Application.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Bad Credit accepted.
- Always 0.0% APR.
| Annual Fee | See website |
| Activation Fee | See website |
| Regular APR | 0.00% |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Reports to a major credit bureau.
- Fast approval.
- Maximum credit limit of $500.
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.
Get Your Taxes Back Safely Easily, and Quickly. Direct Deposit your Refund 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.
- Transfer money to another RushCard member for just $0.99.
- No overdraft fees.
- Your money is covered by Visa Zero Liability protection. *Certain restrictions apply. See card site for details.
- Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance - free of charge.
| Activation Fee | $3.95 |
| Guaranteed Approval | No |
| Instant Response | Yes |
| Credit Check | No |
| Build Credit | No |
| Reporting Credit Bureaus | No |
- Easy access to your finances.
- Absolutely FDIC-insured.
- Free online tools to control your spendings.
- Has 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
latest news:
Wells Fargo Debuts Secured Business Credit Card and Line of Credit
May 14, 2013
Wells Fargo is introducing a secured business credit card as well as a secured line of credit for small business owners with poor or limited credit.Continue reading
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Fed Studies Reasons for Mobile Banking ResistanceMay 13, 2013
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AARP and Chase Introduce New Rewards Credit CardMay 10, 2013
related research:
Horizon Gold Credit Card: Guaranteed Approval, Even for Bad Credit
March 20, 2013
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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Credit card approvals for students with no credit historyAugust 21, 2011
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Card options for those with no previous credit historyFebruary 06, 2011
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Instant Approval Cards Video
Choices for Bad Credit: Prepaid, Secured and Unsecured Cards
July 18, 2012
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.
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.
70 Click apply to view See Card Terms & Conditions for Details.