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

Emporium Black Card

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Credit Suggested: No Credit Needed
- Regular APR N/A
- Annual Fee $0
- Application Processing Fee None
- Credit Reporting No
- Instant Response Yes
Card Features
- Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
- Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
- Up To 12 Months Same As Cash
- 50% Early Payoff Discount
- No Hidden Fees
- Return at any Time
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Gettington Credit

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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.
- *See site for details.
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Horizon Gold Credit 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
- 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.
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Fingerhut Credit Account

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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!"
- *SEE Fingerhut.com Site for Terms & Conditions.
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National Credit Direct

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Credit Suggested: Any
- Regular APR 0.0%
- Annual Fee $49
- Application Processing Fee $0
- Credit Reporting Yes
- Instant Response Yes
Card Features
- Shop Brand Name Electronics.
- No Turn Downs.
- Credit Limit of Up To $3,500.⁶
- 0% APR.
- Reward Points for every dollar spent.
- Low Flexible Payments.
- Reports to Major Credit Bureau.
- Bad Credit - OK.
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Surge MasterCard® Credit Card

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Credit Suggested: Bad / No
- Regular APR *See Terms
- Annual Fee *See Terms
- Application Processing Fee *See Terms
- 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.
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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.

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Customer Questions

I once had the US Airways credit card, then the airlines merged with American Airlines and my card transitioned into the AAdvantage MasterCard with a higher annual fee and without companion pass. I use the card one year and then closed it because I don’t fly with American Airline often. Now I am looking for a credit card without an annual fee. What are my options?

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