Looking for Instant Prepaid and Credit Card Offers?

Need a credit card now? Then scroll down to apply online for a credit card and get an instant response! Our team has compiled a list of best credit offers with instant decision application process. For fast results, we recommend to choose a credit card in this section and fill out a secure application online; which is actually safer and faster than applying for a credit card by mail! If you are instantly approved, you will receive your new credit card within 30 days. It´s that easy!

Orchard Bank® Classic MasterCards
  

An Excellent Credit Card for Rebuilding Credit Scores.

Annual Fee: $0 - $59.

Consumer Rating: 5 / 5
BabyPhat Prepaid Visa® RushCard
  

Best Prepaid Card.

100% Guaranteed Approval.

Consumer Rating: 4 / 5

Other Instant Decision Prepaid Cards

You can sort items by clicking on the table header

How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Activation Fee
Guaranteed Approval
Credit Check
Build Credit
Apply
see site Yes! No No
Consumer Rating: 4 / 5
  • No issuance fee online.
  • No credit check or bank account required.
  • Use everywhere MasterCard® debit is accepted.
$9.95 Yes! No No
Consumer Rating: 5 / 5
  • No credit check.
  • And no need for a bank account.
  • Enjoy the prestige and recognition of MasterCard®.
$9.95 Yes! No No
Consumer Rating: 2 / 5
  • Get Your Premium Benefits:
  • Free Credit Score.
  • Free Mobile Banking and Text Alerts.

Other Instant Decision Credit Cards

You can sort items by clicking on the table header

How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Credit History
APR %
Annual Fee
Setup Fee
Apply
Fair Credit 7.99% -
19.99%
$0 - $5938 $0 - $39
Consumer Rating: 4 / 5
  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit.
  • Acceptance at millions of locations worldwide, including website purchases and reservations.
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way.

Calculate the cost of paying off
your current balance

Your current credit card info:

Brief results:

You will pay off your balance in 7 months.
You will spend $179.90 on interest and fees.

Paying too much on interest?

See more credit cards to gain »

The Trouble with Instant Decision Cards

The mistake is easy enough to make, but the difference is significant. Instant decision credit cards vary from instant approval cards in that unbeknownst to you the credit card company sometimes conducts a credit check. This can affect your ability to get approved and delay the time it takes to get your card if you are in fact approved.

The process of applying for a credit card can be tedious and lengthy, so the appeal of an instant anything credit card is understandable. Furthermore, getting an instant decision on a credit card application means not having to schedule meetings with bankers or credit card representatives. Particularly if you need a card right away, for say a trip or unexpected expense, this is a good option to know whether or not you have been approved rather than having to check the mailbox everyday for that piece of plastic.

But it is also important to keep in mind that when you receive an instant decision on a credit card application, you have essentially been granted 'conditional approval'.

These conditions usually consist of a full credit check using the three main credit bureaus before full approval is established.

As we know, numerous credit checks can negatively impact your credit score, so avoid applying for several instant decision credit cards at the same time. There are very few people who meet the extremely high requirements for instant approval of a credit card, so do not be dissuaded if your instant decision does not translate into an instant yes.

Try to improve your chances of approval by applying for a credit card that is geared toward your rating bracket. And if you are truly in need of an immediate card, be sure to apply for an instant approval rather than an instant response card. Either way, be sure to read both the big and the fine print.

Applying online for an instant decision credit card is a great way to safely and quickly get a response; however, instant response does not mean instant approval.

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38 $0 - $59 for the first year; $35 - $59 per year thereafter, based on creditworthiness.

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