Instant Decision Credit Card Deals

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

First Access Visa® Solid Black Credit Card

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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
- $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
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Fit Mastercard® Credit Card

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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
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Horizon Gold

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Apply Online
Credit Suggested: Bad/No
- 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.
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First Access Sunny Days Visa® Credit Card

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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
- $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
Surge Mastercard®

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Apply Online
Credit Suggested: Fair/Bad
- Regular APR 25.90% – 29.99%
- Annual Fee $75 - $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

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...

Instant Decision Credit Cards

Prepaid and Credit Card Deals with Instant Approval

Credit Card News

Customer Questions