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
    The Bank of Missouri: First Access Visa
    Apply Online
    Credit Suggested: Fair/Bad 
    • Regular APR See Terms*
    • Annual Fee See Terms*
    • Application Processing Fee See Terms*
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • 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
    • You may be eligible for a Credit Line Increase after six months
    • Easy and secure online application
    • If approved, pay a Processing Fee and you can access the $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
    • Online Customer Center available 24 x 7
    • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
    More Details

  • Horizon Card Services: Horizon Gold
    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.
    • Instant $500 Credit Line.
    • No Credit Check.
    • No Employment Check.
    • Reports to a Major Credit Bureau.
    • Fast Online Application.
    • Bad Credit accepted.
    More Details
  • National Credit Direct: National Credit Direct
    Apply Online
    Credit Suggested: Bad/Fair 
    • Regular APR 0.0%
    • Annual Fee See Terms*
    • Application Processing Fee $0
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more!
    • 5% Cash Back on All Purchases or FREE merchandise6
    • $1/day6 or less for Apple, Samsung, Acer and more
    • No Over Limit Fee
    • FREE Credit Score Every Month -- Won't affect your credit
    • Bad Credit, No Credit, No Problem
    • Build Your Credit and Payment History with Unsecured Credit Line
    • Up to $3,500 Spending Limit
    • Instant Response -- Start shopping in the next 60 Seconds
    More Details
  • The Bank of Missouri: Total Visa Card
    Apply Online
    Credit Suggested: Bad/Fair 
    • Regular APR See Terms*
    • Annual Fee See Terms*
    • Application Processing Fee See Terms*
    • Credit Reporting Yes
    • Instant Response Yes
    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
    • Select your favorite card design from our gallery, for free!
    • No-Fee credit line increase opportunities!
    More Details
  • WebBank: WebBank/Gettington Credit Account
    Apply Online
    Credit Suggested: Fair / Good 
    • Regular APR 29.99% (non-variable)
    • Annual Fee $0
    • Application Processing Fee See Terms
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • Gettington Credit Account (issued by WebBank)
    • Gettington offers thousands of name brand products and convenient credit.
    • Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way:
    • FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you'll be paid in full.
    • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
    • New customer offer. Free shipping on your first order of $49 with an approved Gettington Credit Account** Enter Code: GTN918
    More Details
  • The Bank of Missouri: Total Visa Card
    Apply Online
    Credit Suggested: Bad/Fair 
    • Regular APR See Terms*
    • Annual Fee See Terms*
    • Application Processing Fee See Terms*
    • Credit Reporting Yes
    • Instant Response Yes
    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
    • Select your favorite card design from our gallery, for free!
    • No-Fee credit line increase opportunities!
    More Details
  • Celtic Bank: Surge Mastercard®
    Apply Online
    Credit Suggested: Fair/Bad 
    • Regular APR See Terms*
    • Annual Fee See Terms*
    • Application Processing Fee N/A
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • All credit types welcome to apply!
    • Monthly reporting to the three major credit bureaus
    • Initial Credit Limit of $500.00!* (subject to available credit)
    • Fast and easy application process; results in seconds
    • Use your card at locations everywhere that Mastercard® is accepted
    • Free online account access 24/7
    • Checking Account Required
    More Details
  • The Bank of Missouri: Total Visa Card
    Apply Online
    Credit Suggested: Bad/Fair 
    • Regular APR See Terms*
    • Annual Fee See Terms*
    • Application Processing Fee See Terms*
    • Credit Reporting Yes
    • Instant Response Yes
    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
    • Select your favorite card design from our gallery, for free!
    • No-Fee credit line increase opportunities!
    More Details
  • WebBank: WebBank/Fingerhut Credit Account
    Apply Online
    Credit Suggested: Bad 
    • Regular APR See Terms
    • Annual Fee $0
    • Application Processing Fee See Terms
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
    • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
    • Instant Response (Delays may occur depending on application data provided).
    • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
    • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
    • Choose From Over 450,000 items.
    • Shop Great Brands at Fingerhut.com.
    • Get the Credit You Deserve.
    • We just love saying "YES!"
    More Details
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