Instant Approval Credit Cards

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Credit Card Applications with Instant Response
Some of the products on this web page do not offer instant approval, but a response will be provided within 60 seconds of filling out a secure online application.
Expert Rating:
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
Expert Rating:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.

Unsecured credit card with instant approval:

Sort Cards by:RatingAnnual FeeApplication Processing FeeGuar. ApprovalInst. ResponseBuild Credit
Milestone® MasterCard® with Free Choice of Card Image
Expert Rating:
Key Feature:
Applying is quick and easy with our fast decision process Summary of Offer Features:
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Card Features:
Annual Fee$35 - $99*
Application Processing FeeSee Terms
Regular APR23.9%
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • Mobile account access.
  • Free custom card design.
  • Reports to credit bureaus.

  • Has a high annual fee.
See card details
Fingerhut Credit Account
Expert Rating:
Key Feature:
No Annual Fee Summary of Offer Features:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • $25 Off $100 - Expires 5/2/2017. PROMO CODE: NC566
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Site for Terms & Conditions.
Card Features:
Annual Fee$0
Application Processing FeeSee Terms
Regular APR25.15%
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • No Annual Fees.
  • Low monthly payments.
  • No Over Limit Fees.

  • This Offer is aimed to use exclusively at
See card details
Fair/Bad Credit
Total Visa Card
Expert Rating:
Key Feature:
Reports monthly to all three major credit bureaus Summary of Offer Features:
  • 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
Card Features:
Annual FeeSee Terms*
Application Processing FeeSee Terms*
Regular APRSee Terms*
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • Reports monthly to credit bureaus.
  • Card with instant response.
  • Accepted anywhere across U.S. and online.

  • One-time processing fee applies.
See card details
Find More Instant Approval Cards »

Instant Approval Prepaid and Credit Cards

The main advantage of instant approval when applying for a credit card is that you have an opportunity to know in several minutes whether you are approved or not. The banks established contact with credit bureaus, so that they can make a quick inquiry on the applicant's report. It is convenient for both the customer and the bank.

In most cases it is necessary to have good or excellent credit history for an instant approval application. Instant approval cards for bad credit are not so many, but they are available for consumers with limited credit.

At our website you can find instant approval cards for both bad/no and good credit score, compare the details and make a safe online application. After you submit credit card application, you can receive an approval in some minutes. The card itself will be delivered to you in several days. Get instant approval now with!

Learn more about Instant Approval! Use Resources:

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Instant Answer for Bad/No Credit History

Since instant approval credit cards attract vivid interest of the customers, a number of credit card companies now offer instant approval for consumers with limited credit history. If your credit report corresponds to bad/no credit history, it doesn't mean that instant approval is an advantage unavailable for you. There are cards that don't keep you waiting and worrying about the approval for days. Instant approval cards for bad and no credit are convenient if you need to be informed of the bank's decision quickly. Welcome to bad/no credit card applications section of our site to find an instant approval for yourself.

Instant Approval for Good Credit

When the service of instant approval appeared, it was available for consumers with good credit rating only. So if your credit rating is good, you can choose among the number of instant approval cards offered by the leading banks. When estimating the cards, pay attention to the following. First of all, make sure you are eligible for this type of cards, for this check your credit report at the credit bureau. If your score is good enough, you can start comparing the cards. Look at the APR, the array of rewards (most credit cards for good credit provide rewards - points, cash back, gifts etc), the amount of fees. Instant approval is just an additional advantage and the card's interest rates and fees are not higher than usual. After you make your choice, you can fill out the application form and wait for the reply from the bank which can take just a few minutes. At our site you can conveniently compare instant approval cards and make a secure online application.

Credit Card FAQ

The latest questions about instant approval credit cards:

Credit Card Glossary

Instant Decision Credit Cards - Some credit cards come with an “instant decision” - that is, they allow a customer to apply online, ...
Instant Decision Credit Cards - Some credit cards come with an “instant decision” - that is, they allow a customer to apply online, filling in all relevant application data, clicking send, and getting a decision in 60 seconds or less. When a customer is approved instantly online, a hard copy of the terms and conditions will be mailed to the applicant and once all materials have been sufficiently completed, a card will be mailed to the new card member.
More terms

How to improve your credit

There are several rules to consider when it comes to improving your credit score. Here are some of them. Make your payments, at least, your minimum payments, on time and pay off your outstanding balances. Avoid late payments and bankruptcy that influence your credit score badly and stay on your credit report for a long time.

Do not rush into new credit card applications over a short period of time which can result in your credit score drop. Also, do not take more credit cards than you can afford. If you sign up for new credit cards, manage them responsibly and keep an eye on your expenses. Closing credit card accounts also affect your credit score. Think twice before closing your old accounts with positive payment history.

All the rules mentioned above will be helpful if you follow them thoroughly. Please remember that your credit score is a thing you should always care about.

Average CreditCredit cards for Average Credit
Bad CreditCredit cards for Bad Credit
New CreditCredit cards for New Credit