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!

Barclaycard® Rewards MasterCard® - Average Credit

NO Annual Fee.

Earn 2 Points per $1 on Gas, Grocery, and utility purchases and 1 Point per $1 everywhere else.

Consumer Rating: 4 / 5
Horizon Card Services
Horizon Gold Credit Card
Horizon Gold Credit Card

$500 Credit Limit.

Reports to a Major Credit Bureau.

Consumer Rating: 4 / 5

Other Instant Response Credit Cards:

APR Annual Fee Activation Fee Instant Response
17.90% -
23.90% (V)
$35-$99 See terms Yes
  • 1% back on all gas purchases.
  • No limit to the gas rewards you can earn.
  • Rewards post to your account automatically each month.
Consumer Rating: 4 / 5
APR Annual Fee Activation Fee Instant Response
0.0% $49 $0 ($99 waived) Yes
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
Consumer Rating: 4 / 5
Activation Fee Guaranteed Approval Credit Check Instant Response
see site No No Yes
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions.
Consumer Rating: 4 / 5
APR Annual Fee Activation Fee Instant Response
24.90% $0 $0 Yes
  • Affordable Monthly Payments.69
  • No Annual Fee.68
  • $25 OFF $100 - Promo Code #APR25. ENDS on May 6, 2014.
Consumer Rating: 4 / 5
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
Activation Fee Guaranteed Approval Credit Check Instant Response
$0 Yes! No Yes
  • Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster.
  • No overdraft fees & a simple fee plan. No cost to order or activate a card.
  • Qualify for a $10 Purchase Cushion and $5/month fee plan after a Direct Deposit of $500 in one calendar month.
Consumer Rating: 5 / 5
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  • Will Not Affect Your Credit Score
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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.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
78 In Accordance with Terms and Conditions.

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