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! Some of the products on this page do not offer instant approval, but a response will be provided within 60 seconds. 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!

Credit One Bank® Credit Card with Gas Rewards
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1% Back on all Gas Purchases.

Get pre-qualified without affecting your credit score.

Consumer Rating: 5 / 5
Horizon Card Services
Horizon Gold Credit Card
Horizon Gold Credit Card
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$500 Credit Limit. No Credit Check.

Reports to a Major Credit Bureau.

Consumer Rating: 4 / 5

Other Instant Response Credit Cards and Loans:

Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes Yes $1,000 $100
  • Cash up to $1,000.
  • Bad Credit OK.
  • Cash in your account Fast!
Consumer Rating: 5 / 5
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
APR Annual Fee Activation Fee Instant Response
24.90% $0 $0 Yes
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
Consumer Rating: 4 / 5
Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes Yes $1,000 $300
  • Apply online using our 100% secure 3-step application. No faxing required.
  • 4 out of 5 applications are approved.
  • Once approved your loan is deposited into your bank account overnight!
Consumer Rating: 5 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
APR Annual Fee Activation Fee Instant Response
24.99%* (Variable) $0 $0 Yes
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you′ve made.
Consumer Rating: 5 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
APR Annual Fee Activation Fee Instant Response
0% See website $0 Yes
  • Shop thousands of your favorite brands.
  • Enjoy a $1,000 Credit Line! To purchase popular brand name products exclusively at our online store.
  • No Credit Checks & No Credit Turndowns!
Consumer Rating: 4 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
APR Annual Fee Activation Fee Instant Response
0.0% $49 $29.99 Yes
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
Consumer Rating: 4 / 5
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
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Select the state of your residence
Check off your current active bank accounts. Don't check anything if you haven't active accounts.
This service finds the credit cards which suites your situation best. But only card issuers decide whether you'll be approved or not for a credit card.

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. 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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68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
78 In Accordance with Terms and Conditions.

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