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.

October 2021: 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.

Show more

Instant Decision
October 2021

GET FAST RESPONSE

Rating 3.7

  • Choose which account management options are right for you.
  • Build credit with First PREMIER**
  • Fill out an application and know in 60 seconds if you’re approved!

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)
Instant Response
Instant Response
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.

Show more
Apply for Revvi Card - Credit-Land.com APPLY

See website for Details*

our choice

Rating 3.2

  • Fast and easy application; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Don’t need perfect credit to apply

our choice

Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes
Unsecured Card
Annual Fee
$75.00 for first year. After that, $48.00 annually.*
Regular APR
34.99%*
Late Payment Fee
Up to $40.00
Instant Response
Instant Response
Yes
Card Network
Visa
Credit Check
Yes

our choice

Rating 3.7

  • Choose which account management options are right for you.
  • Build credit with First PREMIER**
  • Fill out an application and know in 60 seconds if you’re approved!
  • 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 First PREMIER® Bank 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)
Instant Response
Instant Response
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
Apply for Citrus Loans - Credit-Land.com APPLY

Any Credit

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 3.6

  • Get a higher credit line if you're in good standing after making your first 6 payments on time.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.

our choice

Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
Yes
Card Usage
Use Anywhere
Build Your Credit
Build Credit
Yes
Credit Bureaus Reporting
Yes
Credit Check
Yes
Instant Response
Instant Response
Yes
Card Network
Visa
Credit Check
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

  • 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 3.7

  • Choose which account management options are right for you.
  • Build credit with First PREMIER**
  • Fill out an application and know in 60 seconds if you’re approved!
  • 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 First PREMIER® Bank 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)
Instant Response
Instant Response
Yes
Card Network
Mastercard
Credit Check
Yes
Apply for Surge Mastercard® - Credit-Land.com APPLY

See website for Details*

our choice

Rating 3.7

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • 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

Double Your Line
Credit Line
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
Credit Check
Yes
Pre-Approval
See if you’re Pre-Qualified without impacting your credit score
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureaus Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

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

our choice

Rating 3.7

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • 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 Mastercard® is accepted
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required

our choice

Double Your Line
Credit Line
Initial Credit Limit of $400* doubles to $800! (after first 6 monthly payments on time)
Credit Check
Yes
Pre-Approval
No
Build Your Credit
Build Credit
Yes
Credit Line
Initial Credit Limit of $400* doubles to $800! (after first 6 monthly payments on time)
Card Usage
Use Anywhere
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureaus Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes
Apply for PickALender - Credit-Land.com APPLY

All Credit Considered

our choice

Rating 4.3

  • 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

Loans from
$100
Minimum Loan Amount
$100
Maximum Loan Amount
$40,000
Term of Loan
12 months - 5 years
Loans up to
$40,000
Minimum Loan Amount
$100
Maximum Loan Amount
$40,000
Term of Loan
12 months - 5 years
Reporting
to the Major Consumer Reporting Agencies
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
Yes
Apply for Reflex Mastercard® - Credit-Land.com APPLY

Fair/Poor/Bad/Limited Credit

our choice

Rating 3.7

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Double Your Line
Credit Line
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
Credit Check
Yes
Pre-Approval
See if you’re Pre-Qualified with no impact to your credit score
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureaus Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes
Apply for LifeLoans - Credit-Land.com APPLY

All Credit Considered

our choice

Rating 4.3

  • Loan decisions in 2 minutes.
  • All credit types considered.
  • Large lender marketplace.
  • See if you qualify today.
  • Not available to residents of CT, NH, WA, and VT.

our choice

Instant Response
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
Yes
Loans up to
$40,000
Minimum Loan Amount
$100
Maximum Loan Amount
$40,000
Term of Loan
12 months - 5 years
Reporting
to the Major Consumer Reporting Agencies
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
Yes
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).

Show more

commentsABOUT INSTANT
RESPONSE CREDIT CARDS

must read FEATURED NEWS
AND RELATED RESEARCH

News: PayPal Launches New All-In-One App - Credit-Land.com
Oct 18, 2021

PayPal Launches New All-In-One App

The first version of the new PayPal "super app" offers a combination of financial tools including...

Citi Premier® Card - A World Elite Mastercard Travel Credit Card

Citi Premier® Card - A World Elite Mastercard Travel Credit Card

Citi, a Credit-Land.com advertising partner, offers the Citi Premier® Card, which gives elevated...

EXPLORE
MORE CREDIT CARDS BY CATEGORIES

Cash Back
Travel
Balance Transfer
Low Interest
Fair Credit

WHAT IS YOUR QUESTION?

Please enter your question and contact information so that we could send our answer to you by e-mail. Note: Please do not include personal information such as your SSN#, credit or debit account numbers.

EXTRA QUESTIONS TO DESCRIBE YOUR SITUATION IN MORE DETAILS:

* - required fields

By submitting your question, you agree to the following:*

Here at Credit-Land.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.

Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. Please do not submit your Social Security number, credit or debit card number, or bank account number to us - though we will never share your name or email with anyone, sensitive information should never be posted to an FAQ form. We are not a bank or a credit card issuer, and we do not have access to your account information.

Thank You, Your Question Has Been Successfully Sent!
YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!