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Instant Decision Credit Cards

PREPAID & CREDIT CARD APPLICATIONS ONLINE

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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 FeeActivation FeeReporting Credit BureausInstant Response
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 FeeActivation 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® Credit Card
Compare
Minimum Required Credit History:
Bad / No 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 FeeActivation FeeReporting
Credit Bureaus
Instant Response
*See Terms*See TermsSee TermsYesYes

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

TronixCountry™
Compare
Minimum Required Credit History:
Any Credit
Where to use this card:
Use exclusively at Tronix Country (tronixcountry.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 FeeActivation 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

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 NC466. Expires: 6/30/2016.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
25.15%See TermsSee TermsYesYes
Vast Platinum
Compare
Minimum Required Credit History:
Bad Credit
Where to use this card:
Use exclusively at My Unique Outlet (myuniqueoutlet.com).
Card Details:
  • Enjoy a $1,000.00 Credit Line!
  • 0% Financing on brand name products exclusively at our online store.
  • Low Monthly Payments!
  • Enjoy amazing benefits like 24/7 Roadside Assistance. Legal Assistance.
  • Low payments of only $19.95/mo.
  • 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! Purchase your products now and enjoy our low monthly payments.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0%See Terms$0YesYes

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

SignatureLoan.com
Minimum Required Credit History:
Fair (550 or more)* Credit
(From 550 FICO Score)
Loan Details:
  • Simple form
  • Up to $35k
  • Any loan reason
Summary of Loan Features:
Employment RequiredMaximum
Loan Amount
Minimum
Loan Amount
Minimum
Income Required
Minimum Age
of a Borrower
No350001000$1,10018

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

Betty Boop CARD.com Visa® Account Prepaid Card
Compare
Minimum Required Credit History:
Any Credit (No Credit Check)
Card Details:
  • Now order up to 3 cards with different designs; 1,000s to choose from.
  • Deposit your paycheck directly onto your card.
  • Not a credit card.
  • Free Android & iOS app download to manage your account.
  • Access to 24,000 MoneyPass in-network ATMs.
  • Use everywhere Visa debit cards are accepted.
  • No cost to apply and no minimum balance.
  • Share funds between eligible cards.
  • Load checks right from your smartphone.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
$0Upon successful ID VerificationYesNoNoNo
Lisa Frank CARD.com Visa® Account Prepaid Card
Compare
Minimum Required Credit History:
Any Credit (No Credit Check)
Card Details:
  • Now order up to 3 cards with different designs; 1,000s to choose from.
  • Deposit your paycheck directly onto your card.
  • Not a credit card.
  • Free Android & iOS app download to manage your account.
  • Access to 24,000 MoneyPass in-network ATMs.
  • Use everywhere Visa debit cards are accepted.
  • No cost to apply and no minimum balance.
  • Share funds between eligible cards.
  • Load checks right from your smartphone.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
$0Upon successful ID VerificationYesNoNoNo
The Walking Dead CARD.com Visa® Account Prepaid Card
Compare
Minimum Required Credit History:
Any Credit (No Credit Check)
Card Details:
  • Now order up to 3 cards with different designs; 1,000s to choose from.
  • Deposit your paycheck directly onto your card.
  • Not a credit card.
  • Free Android & iOS app download to manage your account.
  • Access to 24,000 MoneyPass in-network ATMs.
  • Use everywhere Visa debit cards are accepted.
  • No cost to apply and no minimum balance.
  • Share funds between eligible cards.
  • Load checks right from your smartphone.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
$0Upon successful ID VerificationYesNoNoNo

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

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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

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Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

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Instant Approval Cards

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