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
    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 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
    More Details

  • The Bank of Missouri: Fit Mastercard® Credit Card
    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
    • $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
    More Details
  • 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
  • Celtic Bank: Surge Mastercard®
    Apply Online
    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
    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
  • Horizon Card Services: Innovation Platinum
    Apply Online
    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
  • Celtic Bank: Reflex Mastercard®
    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
  • 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 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: PickALender
    Apply Online
    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
    More Details
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