INSTANT RESPONSE CREDIT OFFERS of 2020

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 INSTANT DECISION LOAN FOR September 2020

5
Loan Overall Rating
Any Credit
Checking Account Required
Yes
Maximum Loan Amount
$1,000
Minimum Loan Amount
$100
Employment Required
No
  • Fast approval in as little as 2 minutes
  • Your money directly deposited into your account
  • Safe and Secure
  • Flexible Payments

More Instant Decision Credit Offers

Surge Mastercard® Application
Compare now (13) »
4
Card Overall Rating
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Card Type
Unsecured
Regular APR
25.90% - 29.99%
Annual Fee
$75 - $99
Credit Bureaus Reporting
Yes
Horizon Gold Application
Compare now (13) »
4
Card Overall Rating
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See Terms
Credit Bureaus Reporting
Yes
Merit Platinum Card Application
Compare now (13) »
4
Card Overall Rating
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check
  • Instant $500 Credit Line.
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Credit Bureaus Reporting
Yes
5
Loan Overall Rating
  • Our process is safe, secure, fast and reliable.
  • No waiting in lines or going to a physical store.
  • Request your loan straight from your mobile phone, or computer.
  • You may be approved in minutes, and your cash will be deposited straight into your bank account.
Checking Account Required
Yes
Maximum Loan Amount
$2,500
Minimum Loan Amount
$100
Employment Required
No
4
Card Overall Rating
  • Low Monthly Payments
  • Get Pre-Qualified Instantly
  • No Annual Membership Fees
  • No Over-Limit Fees
  • No Fees to Pay Your Bill Online
  • Credit Lines Start at $100!
  • Buy Now, Pay Later
Card Type
Unsecured Store Credit Card
Regular APR
See terms
Annual Fee
$0
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • 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
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • 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
  • Easy and secure online application
  • $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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • 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
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Bureaus Reporting
Yes
5
Loan Overall Rating
All Credit Types Considered
  • Request a loan in 2 minutes or less
  • Direct deposit as soon as the next business day
  • All credit types considered
  • Safe and secure online form
Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes
4
Card Overall Rating
  • Instant $500 Credit Line
  • Reports to Trans Union, Equifax and Experian
  • Shop Exclusively at NationalCreditDirect.com
  • No Over Limit Fee
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • 5% Cash Back on All Purchases or FREE merchandise6
  • Instant Response -- Start shopping in just minutes
Card Type
Unsecured Store Credit Card
Regular APR
0.0%
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 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.

GET YOUR OFFER MATCH
Check if you're pre-qualified for a credit offer
It takes less than
1 minute
Will not affect your
credit score
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Credit Card
This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

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...
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