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® Solid Black Credit Card
    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
    • Easy and secure online application
    • If approved, pay a Program 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
    • Select your favorite card design from our gallery, for free!
    • Online Customer Center available 24 x 7
    • Issued by The Bank of Missouri
    More Details

  • The Bank of Missouri: Fit Mastercard® Credit Card
    Apply Online
    Credit Suggested: Bad/Fair 
    • 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 $400.00!* (subject to available credit)
    • Fast and easy application process; results in seconds
    • Use your card at locations everywhere that Mastercard® is accepted
    • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
    • Checking Account Required
    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
  • The Bank of Missouri: First Access Sunny Days Visa® Credit Card
    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
    • Easy and secure online application
    • If approved, pay a Program 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
    • Select your favorite card design from our gallery, for free!
    • Online Customer Center available 24 x 7
    • Issued by The Bank of Missouri
    More Details
  • Celtic Bank: Surge Mastercard®
    Apply Online
    Credit Suggested: Fair/Bad 
    • Regular APR 25.90% – 29.99%
    • Annual Fee $99
    • 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)
    • 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
    More Details
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