Top Instant Decision Credit Cards of 2018

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Best Instant Decision Credit and Prepaid 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.

First Access Visa® Solid Black Credit Card
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APPLY NOW See Details >
CARD DESCRIPTION:

  • 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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

Horizon Gold
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APPLY NOW See 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

Total Visa Card
Compare
APPLY NOW See 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!

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

Fit Mastercard® Credit Card
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APPLY NOW See Details >
CARD DESCRIPTION:

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

Surge Mastercard®
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APPLY NOW See Details >
CARD DESCRIPTION:

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

WebBank/Gettington Credit Account
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APPLY NOW See 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

First Access The Purrrfect Visa® Credit Card
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APPLY NOW See Details >
CARD DESCRIPTION:

  • 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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

WebBank/Fingerhut Credit Account
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APPLY NOW See 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

Total Visa Card
Compare
APPLY NOW See 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!

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

First Access Money on the Move Visa® Credit Card
Compare
APPLY NOW See Details >
CARD DESCRIPTION:

  • 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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

FEATURES:

Card Type:

Unsecured

Ongoing APR:

See Terms*

Annual Fee:

See Terms*

Credit Check:

Yes

Guaranteed Approval:

No

Gloss Prepaid Visa® RushCard
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APPLY NOW See Details >
CARD DESCRIPTION:

  • Stay connected — keep track of your money on your mobile phone with the RushCard app. *
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.*
  • Real time activity alerts sent to your mobile phone via text or email.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Gloss Prepaid Visa RushCard.

FEATURES:

Card Type:

Prepaid

Instant Response:

Yes

Activation Fee:

See terms

Credit Check:

No

Guaranteed Approval:

No

Sequin KLS Prepaid Visa® RushCard
Compare
APPLY NOW See Details >
CARD DESCRIPTION:

  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Sequin Prepaid Visa RushCard.

FEATURES:

Card Type:

Prepaid

Instant Response:

Yes

Activation Fee:

See terms

Credit Check:

No

Guaranteed Approval:

No

Midnight Prepaid Visa® RushCard
Compare
APPLY NOW See Details >
CARD DESCRIPTION:

  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Enroll in Direct Deposit and get your pay up to two days early. Certain restrictions apply*
  • Easy Online Bill Pay — pay your rent, utilities or a friend*.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Midnight Prepaid Visa RushCard.

FEATURES:

Card Type:

Prepaid

Instant Response:

Yes

Activation Fee:

See terms

Credit Check:

No

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...
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How do you find instant approval cards to use?
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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).


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