Instant Response Prepaid and Credit Card Offers of 2018

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 fast. 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!

TOP INSTANT DECISION CREDIT CARD FOR April 2018

Total Visa Card Application
Compare now (51) »
4
Card Overall Rating
Bad/Fair Credit
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Bureaus Reporting
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

More Instant Decision Cards

Horizon Gold Application
Compare now (51) »
4
Card Overall Rating
Bad Credit
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Card Type
Unsecured Store Card
Regular APR
0.00%
Annual Fee
See Terms
Credit Bureaus Reporting
Yes
National Credit Direct Application
Compare now (51) »
4
Card Overall Rating
Bad/Fair Credit
  • Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more!
  • 5% Cash Back on All Purchases or FREE merchandise6
  • $1/day6 or less for Apple, Samsung, Acer and more
  • No Over Limit Fee
  • FREE Credit Score Every Month -- Won't affect your credit
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • Up to $3,500 Spending Limit
  • Instant Response -- Start shopping in the next 60 Seconds
Card Type
Unsecured Store Card
Regular APR
0.0%
Annual Fee
See Terms*
Credit Bureaus Reporting
Yes
First Access Visa Application
Compare now (51) »
4
Card Overall Rating
Fair/Bad Credit
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Bad Credit
  • 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!"
Card Type
Unsecured Store Card
Regular APR
See Terms
Annual Fee
$0
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Bad/Fair Credit
  • 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!
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Bureaus Reporting
Yes

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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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.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
In general a credit card arrives within ten to fifteen days from the date of approval. So you have no reasons to worry about it as the time hasn’t run out yet. Credit card companies usually inform of the estimated date of card arrival via...
As of today we offer instant decision credit cards aimed at bad credit. But you can browse through the credit cards targeting good to excellent credit and choose a card you like best. It can take up to 30 days to process your card application. If...
In terms of credit cards banks and credit card companies decide instantly on whether you are approved or not based on your credit information. An instant approval credit card is a credit card with an instant response. You will know whether you are...
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