Instant Decision Credit Cards

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On this page you can find information about credit cards that offer instant response. Once you enter your personal information, you will receive credit card offers that give you an instant decision. You only need to select a credit card and complete an application to receive an instant response indicating whether you are approved or not. This will not provide instant access to a credit line if approved, but you will be able to see if you are eligible. If you are approved, you will receive your credit card by mail usually in a few days. It may take up to two weeks to process.

Recommended by our experts

Group One Freedom Card

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Credit Suggested: Bad
- Regular APR 0.00%
- Annual Fee See terms
- Application Processing Fee See terms
- Credit Reporting Yes
- Instant Response Yes
Card Features
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Build your Credit with responsible handling of your account
- Receive a $750 Credit Line
- Easy Application with Immediate Results
- No Credit Check
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RescueLoans.net

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Credit Suggested: Any Credit Welcome
- Min Loan Amount $100
- Max Loan Amount $1,000
- Min Income Required See terms
- Checking Acc. Required Yes
- Instant Response Yes
Loan Features
- Fast approval in as little as 2 minutes
- Your money directly deposited into your account
- Safe and Secure
- Flexible Payments
- All Credit Types
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Surge Mastercard®

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Credit Suggested: See website for Details*
- Regular APR 24.99% - 29.99% (Variable)
- Annual Fee See website for Details*
- Application Processing Fee See Terms*
- Credit Reporting Yes
- Instant Response Yes
Card Features
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- 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
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Citrus Loans

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Credit Suggested: Any Credit
- Min Loan Amount $100
- Max Loan Amount $2,500
- Min Income Required See terms
- Checking Acc. Required Yes
- Instant Response Yes
Loan Features
- 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.
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Innovation Platinum

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Apply Online
Credit Suggested: Bad
- Regular APR 0.00%
- Annual Fee See terms
- Application Processing Fee See terms
- Credit Reporting Yes
- Instant Response Yes
Card Features
- Bad Credit, No Credit? No Problem!
- Reports to Major Credit Bureau
- $750 Credit Limit
- Fast and Easy Application
- No Employment or Credit Check
More Details
Reflex Mastercard®

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Apply Online
Credit Suggested: Fair/Poor/Bad/Limited
- Regular APR 24.99% - 29.99% (Variable)
- Annual Fee See Terms
- Application Processing Fee See Terms*
- Credit Reporting Yes
- Instant Response Yes
Card Features
- See if you’re Pre-Qualified with no impact to your credit score
- 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
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
More Details
Merit Platinum Card

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Apply Online
Credit Suggested: Damaged credit to Fair credit
- Regular APR 0.00%
- Annual Fee See terms
- Application Processing Fee See terms
- Credit Reporting Yes
- Instant Response Yes
Card Features
- Bad Credit, No Credit? No Problem!
- Reports to Major Credit Bureau
- Fast and Easy Application
- No Employment or Credit Check
More Details

Prepaid and Credit Card Deals with Instant Approval

If you don't want to wait for offers to arrive in the mail, instant decision credit services offer you the best credit card choices. This method of credit card application also allows you to save time because most decisions for these kinds of applications will be made within sixty seconds.

Most instant decision credit cards do not have high credit limits. Interest rates and fees also may not meet your expectations. But still instant approval credit cards are popular because they don't make applicants wait long.

There are many different instant decision offers from the banks. Here we gathered offers you may be eligible for and which are provided by major credit card issuers. If you want to get the best offers, be sure to maintain a good credit score. And once you are ready to receive instant decision, apply online.

Credit Card News

20May

COVID-19 Makes Consumers Use Credit Cards More Often

Bankrate has recently conducted a survey of U.S. consumers’ payment habits amid the coronavirus. According to it, the number of Americans paying for grocery purchases with credit cards...

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Customer Questions

At my local bank there was an advertisement that if one enrolls in Alaska airline credit card and spends $1000 in the first 3 months then a travel companion could fly free. Is this still in effect? Does it apply to international trips and 1st class? Does the flight need to be Alaska airlines/ Virgin airlines?

Currently, the Alaska Airlines credit card has the following offer: “Annual companion fare from $121 ($99, plus taxes and fees from $22) after you make $1,000 or more in purchases...