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January 2022: Best Credit Cards with Instant Response 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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Our Choice for
January 2022

RESPONSE IN 60 SECONDS

Rating 3.7

  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.

our choice

Reporting
to the Major Consumer
Reporting Agencies
Credit Bureaus Reporting
Yes
Card Category
Unsecured Fee Based Credit Card
Checking Account Required
Yes
Build Your Credit
Build Credit
Yes
Credit Line
See terms
Card Usage
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds
Yes
Card Network
Mastercard®
Credit Check
Yes

More Credit Card Offers with Fast Response

Credit cards with an 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 the issuer's requirements to be able to get such an offer. If you have a 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

Rating 3.7

  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Build Your Credit
Build Credit
Yes
Credit Line
See terms
Card Usage
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds
Yes
Card Network
Mastercard®
Credit Check
Yes
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureaus Reporting
Yes
Card Category
Unsecured Fee Based Credit Card
Checking Account Required
Yes

our choice

Rating 3.7

  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Reporting
to the Major Consumer
Reporting Agencies
Credit Bureaus Reporting
Yes
Card Category
Unsecured Fee Based Credit Card
Checking Account Required
Yes
Build Your Credit
Build Credit
Yes
Credit Line
See terms
Card Usage
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds
Yes
Card Network
Mastercard®
Credit Check
Yes

our choice

Rating 4.3

  • Fast approval in as little as 2 minutes
  • Your money directly deposited into your account
  • Safe and Secure
  • Flexible Payments
  • All Credit Types

our choice

Reporting
to the Major Consumer Reporting Agencies
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
Yes
Loans up to
$1,000
Minimum Loan Amount
$100
Maximum Loan Amount
$1,000
Term of Loan
See terms
Instant Response
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
Yes

our choice

Rating 3.5

  • Bad Credit, Low Score? No Problem!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Build your Credit with responsible handling of your account
  • Receive a $750 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0%
APR on Purchases
Annual Fee
See terms
Regular APR
0.00%
Late Payment Fee
$20
$750
Credit Limit
Security Deposit
No
Credit Line
$750 Unsecured Credit Limit
Credit Line Increase
See terms
Instant Response
Instant Response
Yes
Card Network
Horizon Card Services
Credit Check
No

our choice

Rating 4.3

  • 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

Loans from
$100
Minimum Loan Amount
$100
Maximum Loan Amount
$2,500
Term of Loan
See terms
Loans up to
$2,500
Minimum Loan Amount
$100
Maximum Loan Amount
$2,500
Term of Loan
See terms
Instant Response
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
No

our choice

Rating 4.3

  • Borrow From $100 to $40,000
  • Fast Decision - Within 2 Minutes
  • All Credit Types Welcome

our choice

Loans up to
$40,000
Minimum Loan Amount
$100
Maximum Loan Amount
$40,000
Term of Loan
See terms
Reporting
to the Major Consumer Reporting Agencies
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
Yes
Instant Response
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
Yes

questionsABOUT
BUILDING CREDIT HISTORY

Can I get a Neiman Marcus Credit Card if I have bad credit history?

Excellent credit is not necessary, but this card will not be given to those with bad credit either. If you have bad credit and try to apply for a card or a line of credit of any kind that you are...

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My credit score is poor. Which credit card will raise my credit scores quickly?

First of all, note that improving your credit score is not a quick process. It may take up to a couple of years to turn bad credit into good credit. But if you want to improve your credit score faster, keep your credit...

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Will I build credit with a store credit card?

You will be able to build your credit using a store credit card. To be able to build your credit you should first of all make sure the store card you want to apply for is reported to the major credit bureaus. Luckily,...

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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 offered by a number of 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 is not guaranteed, and it 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 response credit cards are supported by Visa or Mastercard network, which 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 catalog.

Also, you should remember that there always are some minimum requirements that 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 a 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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