Instant Response Prepaid and Credit Card 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 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 May 2020

Horizon Gold Application
Compare now (12) »
4
Card Overall Rating
Bad/No Credit
Card Type
Unsecured Store Card
Regular APR
0.00%
Annual Fee
See Terms
Credit Bureaus Reporting
Yes
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.

More Instant Decision Credit Offers

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 Card
Regular APR
0.00%
Annual Fee
See terms
Credit Bureaus Reporting
Yes
5
Loan Overall Rating
  • Simple and Fast Funding
  • Get up to $35,000!
  • Rates range from 5.99% APR to 35.99% APR
  • All Credit Types
Checking Account Required
Yes
Maximum Loan Amount
$35,000
Minimum Loan Amount
$500
Employment Required
No
5
Loan Overall Rating
  • Loans up to $50,000
  • Fast Decision
  • Get funds as the next business day
Checking Account Required
Yes
Maximum Loan Amount
$50,000
Minimum Loan Amount
$100
Employment Required
No
Evolve Card Application
Compare
4
Card Overall Rating
  • Enjoy a $1,000.00 Credit Line!
  • No Monthly Fee!
  • Bad Credit? No problem
Card Type
Unsecured Store Card
Regular APR
0%
Annual Fee
See terms
Credit Bureaus Reporting
No
5
Loan Overall Rating
  • Get Up to $35,000
  • Fast Decisions
  • All Credit Types Considered
  • Funds Deposited To Your Account
Checking Account Required
Yes
Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Employment Required
Yes
4
Card Overall Rating
Bad/Fair Credit
  • 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 Card
Regular APR
0.0%
Annual Fee
See Terms*
Credit Bureaus Reporting
Yes
5
Loan Overall Rating
  • Get a loan between $100 and $35,000
  • All Credit Types Accepted
  • Personal Loans Online
Checking Account Required
Yes
Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Employment Required
Yes
5
Loan Overall Rating
  • Borrow up to $35,000
  • Funds as soon as the next business day
  • Dependable & reliable
Checking Account Required
Yes
Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Employment Required
No
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
$1,000
Minimum Loan Amount
$100
Employment Required
No
4
Card Overall Rating
  • Buy Now, Pay Later.
  • Budget frendly with low monthly payments starting at just $10 a month.
  • Get quick approval response and no annual fee.
  • Freeing: Save your credit cards for other things.
Card Type
Unsecured Store Card
Regular APR
5.75% - 25.99%
Annual Fee
$0
Credit Bureaus Reporting
No
Independence Gold Card Application
Compare now (12) »
4
Card Overall Rating
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • $500 Credit Limit
  • Fast and Easy Application
  • No Employment or Credit Check
Card Type
Unsecured Store Card
Regular APR
0.00%
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 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...
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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