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INSTANT RESPONSE CREDIT OFFERS of 2025
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 compiled a list of best credit offers with an instant decision application process. For fast results, we recommend choosing 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 OFFER WITH 60 SECONDS RESPONSE FOR May 2025
Compare now (12) »
Fair / Poor Credit
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Bureau Reporting
Yes
- Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
- PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
- Credit limit increase eligible after 12 months of consistent responsible account management.
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
More Instant Decision Credit Offers
Any Credit
- See Your Rate In Minutes
- Get Your Free Experian® Credit Report
- Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
- Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
Checking Account Required
Yes
Maximum Loan Amount
$100,000
Minimum Loan Amount
$1,000
Employment Required
Yes
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
Card Type
Unsecured
Regular APR
35.90%
Annual Fee
$175 the first year; $49 thereafter
Credit Bureau Reporting
Yes
- Buy Now and Pay Later with Masseys Credit
- Grow your credit with responsible use
- Masseys Credit Lines Up To $500!
- No annual fee
- Payments as little as $5.99 per month
- Conventient online account access
Card Type
Unsecured Store Credit Card
Regular APR
See terms
Annual Fee
$0
Credit Bureau Reporting
No
- To apply for Credit Builder, you must have an active Chime® Checking Account.
- No annual fees or interest.3
- No credit check to apply.
- No minimum security deposit required.1
- Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
- Reports to all 3 major credit bureaus.
- Help increase your credit scores/FICO® Score by an average of 30 points*
- View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
- The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- 1Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
- *Based on a representative study conducted by Experian® in January 2024, members who made their fi rst purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
- 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
- 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.
Card Type
Secured
Regular APR
No interest
Annual Fee
$0
Credit Bureau Reporting
Yes
Fair / Poor Credit
- Pre-qualify with no impact to your credit score.
- Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build** credit, now it’s your turn.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- Our mobile app helps you keep track of your spending and payments for greater financial control.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Bureau Reporting
Yes
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard®.
- Join over a million consumers who use the Destiny Mastercard® to help build their access to credit.
- No security deposit required—get started today!
Card Type
Unsecured
Regular APR
35.90%
Annual Fee
$175 the first year; $49 thereafter
Credit Bureau Reporting
Yes
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Merchandise Credit Line
- Exclusive Member Benefits
- Start Shopping Right Away!
Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See terms
Credit Bureau Reporting
No
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard®.
- A rewards card for people with less than perfect credit!
Card Type
Unsecured
Regular APR
35.90%
Annual Fee
$175 the first year; $49 thereafter
Credit Bureau Reporting
Yes
- No credit check
- 0% APR and No hidden fees
- Open your account in minutes
- Bank-level security keeps your data safe
- A $750 revolving line of credit to use for Kikoff purchases
- Build payment history that gets reported to Equifax, Experian and TransUnion
Checking Account Required
No
Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Employment Required
Yes
Fair / Poor Credit
- Pre-qualify with no impact to your credit score
- Helping people build** credit is our first priority – start your credit-building journey today.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
- Award-winning, U.S.-based customer service
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Bureau Reporting
Yes
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Limit (Usable only at TheHorizonOutlet.com)
Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See website for Details*
Credit Bureau Reporting
No
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- No Security Deposit
- The Imagine Card is issued by Webbank
- Review Cardholder Agreement for rate and fee information
- *See Program Terms for important information about the cash back rewards program.
- **Zero liability subject to Visa’s Zero Liability Policy.
Card Type
Unsecured
Regular APR
36% fixed
Annual Fee
As low as $99
Credit Bureau Reporting
Yes
- Guaranteed $1,000 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard®.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
Card Type
Unsecured
Regular APR
35.90%
Annual Fee
$250 the first year; $99 thereafter
Credit Bureau Reporting
Yes
Fair / Poor Credit
- PREMIER Bankcard credit cards are for building** credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build** your credit.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Bureau Reporting
Yes
This offer is not available in AK, AL, AR, CT, GA, IL, MA, MD, NC, NH, NJ, NY, PA, SD, US, VA, VI, VT, WD, WV.
- We offer short-term installment loans.
- Use our fully automated, completely secure online portal to apply for a loan in minutes.
- Transparent and secure way to quickly apply and get a decision for much-needed short-term loans through our online application portal.
- For a short-term installment loan with Explore Credit, you will need your social security number, permanent address, driver’s license, current employment information, and a bank account.
- Receive your transfer via a checking account that accepts ACH transfers.
This offer is not available in AK, AL, AR, CT, GA, IL, MA, MD, NC, NH, NJ, NY, PA, SD, US, VA, VI, VT, WD, WV.
Checking Account Required
Yes
Maximum Loan Amount
$2,000
Minimum Loan Amount
$300
Employment Required
Yes
- Get the credit limit you deserve—$1,000 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard®.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
Card Type
Unsecured
Regular APR
35.90%
Annual Fee
$250 the first year; $99 thereafter
Credit Bureau Reporting
Yes
This offer is not available in Colorado, Minnesota, Washington, West Virginia.
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
- With responsible card use, you may be able to rebuild or improve your credit
- Unsecured credit card that requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
This offer is not available in Colorado, Minnesota, Washington, West Virginia.
Card Type
Unsecured
Regular APR
35.90% Fixed
Annual Fee
$75 - $125
Credit Bureau Reporting
Yes
- Sezzle enables you to obtain no-interest loans for purchases.
- No hard credit check.
- Simple, transparent 6-week payment plan.
- With the Sezzle subscription, Sezzle Anywhere, shoppers can shop at any retailer (in store and in person) and pay in 4 with Sezzle.
Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
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 every day 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, the instant response does not mean instant approval.
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
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