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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.

April 2020. Best credit cards with
instant decision FROM
OUR PARTNERS

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 fast. 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. Instant decision offers do not guarantee approval, you still need to meet some minimum requirements to be able to qualify.

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Instant Decision Card Offer for April 2020

GET FAST RESPONSE

Rating 3.5

  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

More Credit Card Offers with Fast 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.

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our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Terms*
Balance Transfer Fee
See Terms*
Annual Fee
See Terms*
  • Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
  • Build up your Credit with a card that reports to all three major credit bureaus every month.
  • 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 – it just takes moments to apply.
  • Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (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 Synovus Bank, Member: FDIC.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

See Terms*

Build Credit

Apply for LifeLoans - Credit-Land.com

Rating 4.3

APPLY

All Credit Considered

our choice

Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • Request a loan in under 2 minutes!
  • This service is free and will NOT affect your credit score
  • Money can be deposited as soon as the next business day

our choice

Instant Response

Apply for Horizon Gold - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Regular APR
0.00%
Balance Transfer Fee
See terms
Annual Fee
See Terms
  • 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.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Terms*
Balance Transfer Fee
N/A
Annual Fee
See Terms*
  • 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
  • Easy and secure online application
  • If approved, pay a Program 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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

$95

Build Credit

Apply for Citrus Loans - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Maximum Loan Amount
$1,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • Our process is safe, secure, fast and reliable.
  • No waiting in lines or going to a physical store.
  • Request your loan straight from your mobile phone, or computer.
  • You may be approved in minutes, and your cash will be deposited straight into your bank account.

our choice

Instant Response

No Employment Required

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Terms*
Balance Transfer Fee
N/A
Annual Fee
See Terms*
  • 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
  • Easy and secure online application
  • If approved, pay a Program 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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

$95

Build Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Terms*
Balance Transfer Fee
N/A
Annual Fee
See Terms*
  • 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
  • Easy and secure online application
  • If approved, pay a Program 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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Independence Gold Card - Credit-Land.com

Rating 3.8

APPLY

Bad Credit

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Regular APR
0.00%
Balance Transfer Fee
See terms
Annual Fee
See terms
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • $500 Credit Limit
  • Fast and Easy Application
  • No Employment or Credit Check

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Guaranteed Approval

Reporting to the Major Consumer Reporting Agencies

Apply for NextDayPersonalLoan.com - Credit-Land.com

Rating 4.3

APPLY

All Credit Types Considered

our choice

Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • Request a loan in 2 minutes or less
  • Direct deposit as soon as the next business day
  • All credit types considered
  • Safe and secure online form

our choice

Instant Response

No Credit Check

questionsABOUT
BUILDING CREDIT HISTORY

I’ve been using my Aspire credit card for a year or so and now I’m closing it because my credit score hasn’t changed much even though I’ve never paid a penny late. Can you recommend me a credit card that will give a real improve to my credit?

You can apply for a credit card issued by a major bank and not by a credit union. Banks usually report credit card activity every month to all three major credit bureaus, so you will be able to see credit score changes...

Read more
I want to build credit and want to know if I can do this using a credit card from a gas station like RaceTrac? I often buy their gas.

RaceTrac does not offer a consumer credit card, only business credit cards. Nevertheless, we would not recommend you to apply for a credit card offered by a gas station. Typically such credit cards are for people with...

Read more
I am new to credit and I am just beginning to establish my credit profile. I am not sure about what credit card I should apply for. The PenFed credit card seems interesting, so I was wondering if you thought this would be a good card to start with?

If you are looking for a credit card as a first step to building your credit profile, remember, there are several key features you want to have in your first credit card. First of all, you want to ensure that the card...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK 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).

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commentsABOUT INSTANT
RESPONSE CREDIT CARDS

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