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
    Mid America Bank & Trust Company: Matrix MasterCard® Credit Card
    Apply Online
    Credit Suggested: Poor / 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!
    • Initial Credit Limit of $500.00!* (subject to available credit).
    • Fast and easy application process; results are provided online!
    • Monthly reporting to the 3 major credit bureaus.
    • Use your card at locations everywhere that MasterCard® is accepted.
    • Free online account access 24/7.
    • Checking Account Required.
    More Details

  • Horizon Card Services: Horizon Gold Credit Card
    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.
    • $500 Credit Limit.
    • No Credit Check.
    • No Employment Check.
    • Reports to a Major Credit Bureau.
    • Fast Online Application.
    • Bad Credit accepted.
    More Details
  • Mid America Bank & Trust Company: Milestone® MasterCard® with Free Choice of Card Image
    Apply Online
    Credit Suggested: Fair / Good 
    • Regular APR 23.9%
    • Annual Fee $35 - $99*
    • Application Processing Fee See Terms
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • Applying is quick and easy with our fast decision process
    • Less than perfect credit is okay
    • 24/7 access to your account information, even on mobile
    • Card designs to fit your personality at no extra charge
    • Account history is reported to the three major credit bureaus in the U.S.
    More Details
  • Celtic Bank: Surge MasterCard® Credit Card
    Apply Online
    Credit Suggested: Bad / No 
    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
  • National Credit Direct: National Credit Direct
    Apply Online
    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.
    More Details
  • Mid America Bank & Trust Company: First Access Visa® Card
    Apply Online
    Credit Suggested: Fair/Bad 
    Card Features
    • 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 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
    • Checking account required
    • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC
    More Details
  • Unique Card Services: Next Millennium
    Apply Online
    Credit Suggested: Bad 
    • Regular APR 0%
    • Annual Fee See Terms
    • Application Processing Fee See Terms
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • Shop thousands of your favorite brands.
    • Enjoy a $1,000 Credit Line! To purchase popular brand name products exclusively at our online store.
    • No Credit Checks & No Credit Turndowns!
    • We won´t check your credit and you will not be denied for bad credit. Buy Now...Pay Later!
    More Details
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