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

Group One Freedom Card

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Credit Suggested: Bad
- Regular APR 0.00%
- Annual Fee See terms
- Application Processing Fee See terms
- Credit Reporting No
- Instant Response Yes
Card Features
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Receive a $750 Credit Line*
- Easy Application with Immediate Results
- No Credit Check
- *usable only at theHorizonOutlet.com
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Fit Mastercard® Credit Card

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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
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- 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 Mastercard® is accepted
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Checking Account Required
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RescueLoans.net

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Credit Suggested: Any Credit Welcome
- Min Loan Amount $100
- Max Loan Amount $1,000
- Min Income Required See terms
- Checking Acc. Required Yes
- Instant Response Yes
Loan Features
- Fast approval in as little as 2 minutes
- Your money directly deposited into your account
- Safe and Secure
- Flexible Payments
- All Credit Types
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Surge Mastercard®

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Credit Suggested: See website for Details*
- Regular APR 24.99% - 29.99% (Variable)
- Annual Fee See website for Details*
- Application Processing Fee See Terms*
- Credit Reporting Yes
- Instant Response Yes
Card Features
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- 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
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Citrus Loans

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Credit Suggested: Any Credit
- Min Loan Amount $100
- Max Loan Amount $2,500
- Min Income Required See terms
- Checking Acc. Required Yes
- Instant Response Yes
Loan Features
- Our process is safe, secure, fast and reliable.
- No waiting in lines or going to a physical store.
- Request your loan straight from your mobile phone, or computer.
- You may be approved in minutes, and your cash will be deposited straight into your bank account.
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Innovation Platinum

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Credit Suggested: Bad
- Regular APR 0.00%
- Annual Fee See terms
- Application Processing Fee See terms
- Credit Reporting No
- Instant Response Yes
Card Features
- Bad Credit, No Credit? No Problem!
- $750 Credit Limit*
- Fast and Easy Application
- No Employment or Credit Check
- *usable only at theHorizonOutlet.com
More Details
Reflex Mastercard®

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Apply Online
Credit Suggested: Fair/Poor/Bad/Limited
- Regular APR 24.99% - 29.99% (Variable)
- Annual Fee See Terms
- Application Processing Fee See Terms*
- Credit Reporting Yes
- Instant Response Yes
Card Features
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
More Details
Merit Platinum Card

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Apply Online
Credit Suggested: Damaged credit to Fair credit
- Regular APR 0.00%
- Annual Fee See terms
- Application Processing Fee See terms
- Credit Reporting No
- Instant Response Yes
Card Features
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- No Employment or Credit Check
- *usable only at theHorizonOutlet.com
More Details
PickALender

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Credit Suggested: All Credit Considered
- Min Loan Amount $100
- Max Loan Amount $40,000
- Min Income Required See terms
- Checking Acc. Required Yes
- Instant Response Yes
Loan Features
- Personal Loans From $100 - $40,000
- Fill out our simple form in under 2 minutes!
- Many lenders and/or lending partners deposit funds in 24 hours!
- All Credit Considered
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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.

Credit Card News

29Sep

Banks to Help Make Credit Cards More Accessible

It has long been extremely difficult to be approved for a credit card, even a secured credit card, with no credit score. While some credit card issuers allow co-signers, many major issuers...

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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