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
    Horizon Card Services: Horizon Gold Credit Card
    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
    • 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.
    More Details

  • WebBank: Fingerhut Credit Account
    Apply Online
    Credit Suggested: Bad 
    • Regular APR 25.15%
    • Annual Fee $0
    • Application Processing Fee See Terms
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • No Annual Fee*.
    • No Over Limit Fee*.
    • Instant Response (Delays may occur depending on application data provided).
    • Apply for Fingerhut Credit today*. Fill out our easy online application.
    • Low Monthly Payments*.
    • Choose From Over 500,000 items.
    • Shop Great Brands at Fingerhut.com.
    • Budget Friendly Payments* with Fingerhut Credit!
    • Get the Credit You Deserve*.
    • We just love saying "YES!"
    • Get $50 off $200 - USE Promo Code NC787. Expires: 9/30/2016.
    • *SEE Fingerhut.com Site for Terms & Conditions.
    More Details
  • WebBank: Gettington Credit
    Apply Online
    Credit Suggested: Fair / Good 
    • Regular APR 25.15%
    • Annual Fee $0
    • Application Processing Fee See Terms
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • Easy Monthly Payments.
    • 20-50% MSRP*.
    • Brands you love featuring closeouts and overstock.
    • New deals added weekly.
    • No annual account fee.
    • Free Shipping* with promo code GTNFS.
    • *See site for details.
    More Details
  • Mid America Bank & Trust Company: Milestone® MasterCard® with Free Choice of Card Image
    Apply Online
    Credit Suggested: Fair / Good 
    • Regular APR 23.9%
    • Annual Fee $35 - $99*
    • Application Processing Fee See Terms
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • Applying is quick and easy with our fast decision process
    • Less than perfect credit is okay
    • 24/7 access to your account information, even on mobile
    • Card designs to fit your personality at no extra charge
    • Account history is reported to the three major credit bureaus in the U.S.
    More Details
  • Mid America Bank & Trust Company: Total VISA® Unsecured Credit Card
    Apply Online
    Credit Suggested: Bad/Fair 
    Card Features
    • 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
    More Details
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