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.
INSTANT DECISION CREDIT CARDS FOR YOUR CREDIT HISTORY
OUR CHOICE FOR FAIR CREDIT:
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Expert Rating:
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
OUR CHOICE FOR BAD CREDIT:
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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
Bad/Fair Credit
Total Visa Card
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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
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
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
National Credit Direct
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Expert Rating:
Key Feature:
Apply Now and Get a $500 Credit Line or More Today Summary of Offer Features:
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • FREE: Get your credit score every month and reasons affecting it.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Card Features:
Annual Fee$49
Application Processing Fee$0
Regular APR0.0%
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • 0% APR.
  • Get reward points for every dollar you spend.
  • Reports to Major Credit Bureau.
  • Good for bad credit.

  • For shopping at National Credit Direct.
  • $49 annual fee.
See card details
Fair/Bad Credit
First Access Visa
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Expert Rating:
Key Feature:
Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online Summary of Offer Features:
  • 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
Card Features:
Annual FeeSee Terms*
Application Processing FeeSee Terms*
Regular APRSee Terms*
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • Full-feature Visa credit card.
  • Get response in a minute.
  • Good for people with poor credit.

See card details
Bad/Fair Credit
Total Visa Card
Compare
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
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
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 Credit-Land.com!

Learn more about Instant Approval! Use CreditLand.com 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

6 In Accordance with Terms and Conditions.