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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.

December 2020. 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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Apply for Horizon Gold - Credit-Land.com APPLY
Bad/No Credit

Instant Decision
December 2020

GET FAST RESPONSE

Rating 3.8

  • 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 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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Apply for Citrus Loans - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Checking Account Required
Yes
Maximum Loan Amount
$2,500
Minimum Loan Amount
$100
Employment Required
No
Credit Pull
See Terms
  • 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

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Credit Bureaus Reporting
Yes
Credit Pull
Soft Pull
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

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

Apply for RescueLoans.net - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Checking Account Required
Yes
Maximum Loan Amount
$1,000
Minimum Loan Amount
$100
Employment Required
No
Credit Pull
See Terms
  • 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

Instant Response

No Employment Required

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Fair/Bad Credit

our choice

Regular APR
25.90% - 29.99%
Annual Fee
$75 - $99
Credit Check
Yes
Credit Bureaus Reporting
Yes
Credit Pull
Hard Pull
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Regular APR
See terms
Annual Fee
See terms
Credit Check
Yes
Credit Bureaus Reporting
Yes
Credit Pull
Hard Pull
  • Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

Apply for Horizon Gold - Credit-Land.com

Rating 3.8

APPLY

Bad/No Credit

our choice

Regular APR
0.00%
Annual Fee
See Terms
Credit Check
No
Credit Bureaus Reporting
Yes
Credit Pull
Soft Pull
  • 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

Apply for Vast Platinum - Credit-Land.com

Rating 3.8

APPLY

Any Credit

our choice

Regular APR
0%
Annual Fee
See terms
Credit Check
No
Credit Bureaus Reporting
No
Credit Pull
Soft Pull
  • Enjoy a $1,000 Credit Line!
  • 0% Financing on brand name products exclusively at our online store.
  • Low Monthly payments.
  • No Credit Checks & No Credit Turndowns.
  • No Application Denied for Poor Credit.
  • Reward Yourself With the Benefits of Credit!
  • Buy Now... Pay Later!

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0%

Instant Response

Guaranteed Approval

No Credit Check

our choice

Regular APR
See terms
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
Credit Pull
Soft Pull
  • Low Monthly Payments
  • Get Pre-Qualified Instantly
  • No Annual Membership Fees
  • No Over-Limit Fees
  • No Fees to Pay Your Bill Online
  • Credit Lines Start at $100!
  • Buy Now, Pay Later

our choice

Annual Fee: $0

Instant Response

Reporting to the Major Consumer Reporting Agencies

Apply for Fit Mastercard® Credit Card - Credit-Land.com

Rating 3.7

APPLY

Bad/Fair Credit

our choice

Regular APR
See Terms*
Annual Fee
See Terms*
Credit Check
Yes
Credit Bureaus Reporting
Yes
Credit Pull
Hard Pull
  • 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

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Regular APR
See Terms
Annual Fee
See Terms
Credit Check
Yes
Credit Bureaus Reporting
Yes
Credit Pull
Hard Pull
  • 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
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Use everywhere Visa cards are accepted nationwide.

our choice

Regular APR
See Terms
Annual Fee
See Terms
Credit Check
Yes
Credit Bureaus Reporting
Yes
Credit Pull
Hard Pull
  • 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
  • $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

SHOW MORE CARDS

questionsABOUT
BUILDING CREDIT HISTORY

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...

Read more
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,...

Read more
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
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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