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
    RescueLoans.net: RescueLoans.net
    Apply Online
    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
    More Details

  • Horizon Card Services: Horizon Gold
    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.
    More Details
  • Horizon Card Services: Group One Freedom 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
    • Bad Credit, Low Score? No Problem!
    • Build your Credit with responsible handling of your account
    • Receive a $500 Credit Line
    • Easy Application with Immediate Results
    • No Credit Check
    More Details
  • The Bank of Missouri: Total Visa® Unsecured Credit Card
    Apply Online
    Credit Suggested: Bad/Fair 
    • Regular APR See Terms
    • Annual Fee See Terms
    • Application Processing Fee See Terms
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • Checking Account Required
    • Fast and easy application process; response provided in seconds
    • A genuine Visa® card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • $300 credit limit (subject to available credit)
    • Reports monthly to all three major credit bureaus
    • Select your favorite card design from our gallery, for free!
    More Details
  • Horizon Card Services: Merit Platinum Card
    Apply Online
    Credit Suggested: Damaged credit to Fair credit 
    • Regular APR 0.00%
    • Annual Fee See terms
    • Application Processing Fee See terms
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • Bad Credit, No Credit? No Problem!
    • Reports to Major Credit Bureau
    • Fast and Easy Application
    • No Employment or Credit Check
    • Instant $500 Credit Line.
    More Details
  • Celtic Bank: Reflex Mastercard®
    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
    • 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 TransUnion* (When you sign up for e-statements)
    • 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
  • 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
    • $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
  • Citrus Loans: Citrus Loans
    Apply Online
    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.
    More Details
  • National Credit Direct: National Credit Direct
    Apply Online
    Credit Suggested: Bad/Fair 
    • Regular APR 0.0%
    • Annual Fee See Terms*
    • Application Processing Fee $0
    • Credit Reporting Yes
    • Instant Response Yes
    Card Features
    • Instant $500 Credit Line
    • Reports to Trans Union, Equifax and Experian
    • Shop Exclusively at NationalCreditDirect.com
    • No Over Limit Fee
    • Bad Credit, No Credit, No Problem
    • Build Your Credit and Payment History with Unsecured Credit Line
    • 5% Cash Back on All Purchases or FREE merchandise6
    • Instant Response -- Start shopping in just minutes
    More Details
  • Celtic Bank: Surge Mastercard®
    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
  • Horizon Card Services: Independence Gold 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
    • Bad Credit, No Credit? No Problem!
    • Reports to Major Credit Bureau
    • $500 Credit Limit
    • Fast and Easy Application
    • No Employment or Credit Check
    More Details
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