Top Instant Decision Credit Cards of 2018

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Best Instant Decision Credit Cards

Credit Card Offers With Instant Response

Credit cards with instant response are usually offered to people with poor credit who are looking for easy to get credit cards. However, it should be noted that you still have to meet issuer's requirements to be able to get such an offer. If you have good or excellent credit history, check out other types of credit cards. There are lots of cards to choose from that will offer you variable interest rates, great rewards, and/or reasonable credit limits.

Total Visa Card
Compare
APPLY NOW See Card Details >
CARD DESCRIPTION:

  • 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!

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

Horizon Gold
Compare
APPLY NOW See Card Details >
CARD DESCRIPTION:

  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.

FEATURES:

Card Type:

Unsecured Store Card

Ongoing APR:

0.00%

Annual Fee:

See Terms

Credit Check:

No

Guaranteed Approval:

Yes

National Credit Direct
Compare
APPLY NOW See Card Details >
CARD DESCRIPTION:

  • Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more!
  • 5% Cash Back on All Purchases or FREE merchandise6
  • $1/day6 or less for Apple, Samsung, Acer and more
  • No Over Limit Fee
  • FREE Credit Score Every Month -- Won't affect your credit
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • Up to $3,500 Spending Limit
  • Instant Response -- Start shopping in the next 60 Seconds

FEATURES:

Card Type:

Unsecured Store Card

Ongoing APR:

0.0%

Annual Fee:

See Terms*

Credit Check:

No

Guaranteed Approval:

Yes

Total Visa Card
Compare
APPLY NOW See Card Details >
CARD DESCRIPTION:

  • 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!

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

PersonalLoans.com
APPLY NOW See Card Details >
LOAN DETAILS:

  • Apply for up to $35,000.
  • Our Form is Safe & Secure.
  • Get Approval In Minutes.

FEATURES:

Minimum Loan Amount:

$1,000

Maximum Loan Amount:

$35,000

Checking Account Required:

Yes

Minimum Income Required:

$2,000

Minimum Age:

18

WebBank/Gettington Credit Account
Compare
APPLY NOW See Card Details >
CARD DESCRIPTION:

  • Gettington Credit Account (issued by WebBank)
  • Gettington offers thousands of name brand products and convenient credit.
  • Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way:
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you'll be paid in full.
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • New customer offer. Free shipping on your first order of $49 with an approved Gettington Credit Account** Enter Code: GTN918

FEATURES:

Card Type:

Unsecured Store Card

Ongoing APR:

29.99% (non-variable)

Annual Fee:

$0

Credit Check:

Yes

Guaranteed Approval:

No

Total Visa Card
Compare
APPLY NOW See Card Details >
CARD DESCRIPTION:

  • 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!

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

WebBank/Fingerhut Credit Account
Compare
APPLY NOW See Card Details >
CARD DESCRIPTION:

  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"

FEATURES:

Card Type:

Unsecured Store Card

Ongoing APR:

See Terms

Annual Fee:

$0

Credit Check:

Yes

Guaranteed Approval:

No

Related User Questions:

I’m curious about instant approval credit cards. How can a credit card company determine whether or not to approve my...
The phrase “instant approval” as it pertains to credit cards indicates the entire application process – a credit card company accepts your credit card application, they quickly review your credit report and credit score online and then make...
Continue reading
How to obtain instant approval credit cards and save time?
Instant approval credit cards are ideal for individuals who have an urgent need. The world is moving at a fast pace and our needs are also immediate. Hence, people no longer have the patience to wait endlessly to get an approval for a credit card....
Continue reading
How do you find instant approval cards to use?
You may have heard a lot about pre-approved and instant approval credit cards. If you are wondering how to go about getting them, read on to know more. It is not that people with the best credit scores alone get instant approval cards. You can get...
Continue reading
Ask Your Question

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

- High fees. Most credit cards of this type will have an annual or a monthly fee which can be rather high. More than that, you may be required to pay a one-time application processing or account opening fee.

- High interest rates are typical of this type of cards. Since the cards are usually offered to people with bad credit, interest rates are higher than average.

- Lower-than-average spending limits these cards offer are another sacrifice you must make for this kind of application approval process. However, it does not mean you won't be able to increase your initial credit limit later. Credit limit increases are available to those who manage their account responsibly.

- Instant approval does not necessarily mean that you can go shopping right away after approval. 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 approval credit cards are supported by Visa or Mastercard network, that means you may have access to coverages and protections like extended warranty, price protection or zero liability.

- Many instant approval cards are store credit accounts that can only be used at the issuing store or online catalogue.

Also, you should remember that there always are some minimum requirements which you should meet to be able to qualify for any credit card, even if it promises guaranteed approval. As a rule, you are required to be 18 years of age (19 years in some states), have stable income that exceeds your expenses, have a bank account, and do not have active bankruptcy (the one that is not discharged).


User Comments About Instant Decision Credit Cards

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!