Looking for Instant Response Prepaid and Credit Card Offers?

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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit 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 several days. It´s that easy!

BEST for FAIR CREDIT
Horizon Gold Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.

$500 Credit Limit. No Credit Check.

No Employment Check.

Must have Active Debit Card or Credit Card to qualify.

Consumer Rating: 4 / 5
BEST for BAD CREDIT
First Access Visa
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Reporting monthly to all three major credit reporting agencies

Perfect credit not required for approval; we may approve you when others won´t

Get a result in as little as 60 seconds upon completion of the online application

Consumer Rating: 4 / 5

Other Instant Decision Cards:

Total Visa Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
APR Annual Fee Application Processing Fee Instant Response
See Terms* See Terms* See Terms* Yes
  • 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
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Consumer Rating: 4 / 5
WebBank/Fingerhut Credit Account
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
APR Annual Fee Application Processing Fee Instant Response
See Terms $0 See Terms Yes
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Consumer Rating: 4 / 5
National Credit Direct
Click the Compare link to compare the checked cards side-by-side at the comparison table.
APR Annual Fee Application Processing Fee Instant Response
0.0% $49 $0 Yes
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Consumer Rating: 4 / 5
Total Visa Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
APR Annual Fee Application Processing Fee Instant Response
See Terms* See Terms* See Terms* Yes
  • 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
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Consumer Rating: 4 / 5
Prism Loans
Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes No $10,000 $100
  • Repay over 24 months
  • Get Your Funds Fast
  • Competitive APR
  • Safe & Secure
Consumer Rating: 5 / 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
Please, select your credit score
Please, select your bankruptcy status
Please, select your state
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 suit your situation best. However, 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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* The BestCreditOffers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. BestCreditOffers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the BestCreditOffers.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.

BestCreditOffers.com makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that BestCreditOffers.com may be compensated by the credit card issuers when the readers apply for a credit card through this site.

BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Disclosure: Not an access card.