Advertising Disclosure

Instant Decision Card Offers

Instant response credit cards provide a quick answer on whether you will be extended a line of credit. Instant decision cards don't necessarily give you instant approval, but can get you a quick answer on the status of your application. If you are looking to add a prepaid card to your digital wallet you can get a decision within seconds. An instant response will be provided no matter which type of card you are applying. You will find out your application status within 60 seconds if you apply for the following cards.
Sort by:
🔍

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Horizon Gold Credit Card Credit Recommended: Bad

FEATURES:

Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes

APRs & FEES:

Regular APR: 0.00%
Annual Fee: See Terms
Application Processing Fee: See Terms
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 0.00%
Annual Fee: See Terms
Application Processing Fee: See Terms

Horizon Gold Credit Card Credit Recommended: Bad

Card details:

Must have Active Debit Card or Credit Card to qualify.$500 Credit Limit.No Credit Check. Show More
No Employment Check.Reports to a Major Credit Bureau.Fast Online Application.Bad Credit accepted.
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Milestone Gold MasterCard® Credit Recommended: Fair / Good

FEATURES:

Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: No

APRs & FEES:

Regular APR: 23.9%
Annual Fee: $35 - $99*
Application Processing Fee: See Terms
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: No
Regular APR: 23.9%
Annual Fee: $35 - $99*
Application Processing Fee: See Terms

Milestone Gold MasterCard® Credit Recommended: Fair / Good

Card details:

Quick pre-qualification available with no impact to your credit scoreFast and easy instant decisionChoose your custom card design - Free Show More
Free online account accessZero Liability - you′ll never be held liable for unauthorized charges made to your cardAccepted at over 35 Million Locations Worldwide!Previous bankruptcy OK
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

TronixCountry™ Credit Recommended: Any

FEATURES:

Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes

APRs & FEES:

Regular APR: 0.0%
Annual Fee: $49
Application Processing Fee: See Terms
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 0.0%
Annual Fee: $49
Application Processing Fee: See Terms

TronixCountry™ Credit Recommended: Any

Card details:

Shop Brand Name Electronics.No Turn Downs.Credit Limit of Up To $3,500.6 Show More
0% APR.Reward Points for every dollar spent.Low Flexible Payments.Reports to Major Credit Bureau.Bad Credit - OK.
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Matrix MasterCard® Credit Card Credit Recommended: Poor / Bad

FEATURES:

Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: No

APRs & FEES:

Regular APR: *See terms
Annual Fee: *See terms
Application Processing Fee: N/A
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: No
Regular APR: *See terms
Annual Fee: *See terms
Application Processing Fee: N/A

Matrix MasterCard® Credit Card Credit Recommended: Poor / Bad

Card details:

Bad Credit, good Credit, and no Credit. Get yours today!Initial Credit Limit of $500.00!* (subject to available credit).Fast and easy application process; results are provided online! Show More
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.
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Fingerhut Credit Account Credit Recommended: Bad

FEATURES:

Instant Response: No
Reporting to Credit Bureaus: Yes
Credit Check: Yes

APRs & FEES:

Regular APR: 25.15%
Annual Fee: $0
Application Processing Fee: See Terms
Instant Response: No
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 25.15%
Annual Fee: $0
Application Processing Fee: See Terms

Fingerhut Credit Account Credit Recommended: Bad

Card details:

No Annual Fee*.No Over Limit Fee*.Instant Response (Delays may occur depending on application data provided). Show More
Apply for Fingerhut Credit today*. Fill out our easy online application.Low Monthly Payments*.Choose From Over 500,000 items.Shop Great Brands at Fingerhut.com.Budget Friendly Payments* with Fingerhut Credit!Get the Credit You Deserve*.We just love saying "YES!"Get $50 off $200 - USE Promo Code NC466. Expires: 6/30/2016.*SEE Fingerhut.com Site for Terms & Conditions.
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Surge MasterCard® Credit Card Credit Recommended: Bad / No

FEATURES:

Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: No

APRs & FEES:

Regular APR: *See Terms
Annual Fee: *See Terms
Application Processing Fee: See Terms
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: No
Regular APR: *See Terms
Annual Fee: *See Terms
Application Processing Fee: See Terms

Surge MasterCard® Credit Card Credit Recommended: Bad / No

Card details:

All credit types welcome to apply!Monthly reporting to the three major credit bureaus.Initial Credit Limit of $500.00!* (subject to available credit). Show More
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.
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Vast Platinum Credit Recommended: Bad

FEATURES:

Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes

APRs & FEES:

Regular APR: 0%
Annual Fee: See Terms
Application Processing Fee: See terms
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 0%
Annual Fee: See Terms
Application Processing Fee: See terms

Vast Platinum Credit Recommended: Bad

Card details:

Enjoy a $1,000.00 Credit Line!0% Financing on brand name products exclusively at our online store.Low Monthly Payments! Show More
Enjoy amazing benefits like 24/7 Roadside Assistance. Legal Assistance.Low payments of only $19.95/mo.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! Purchase your products now and enjoy our low monthly payments.
Hide

Facts About Instant Decision Credit Cards

Here are two important things to know before you apply for instant approval credit cards.

The first is, just because you have gotten a letter or an email saying that you have been pre-approved for one of various instant approval credit card offers, it doesn't mean that there is already a card out there with your name on it. You will still have to go through a short application process to see whether or not you will be approved.

And the second thing to keep in mind is, getting the card itself will take up to two weeks. The only "instant" part is the approval process. You still have to wait for the physical credit card itself to come in the mail.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

Is instant approval and instant decision credit card the same thing?

Yes, they are practically the same. Even if it is said instant approval, your credit card application can still be declined. The same is true for instant decision credit cards. So if you see an instant approval credit card or an instant decision credit card you should know that the credit card issuer can still decline your application.

What is an instant approval credit card?

An instant approval credit card is a credit card with a guaranteed instant response. You will know whether you are approved or not in a couple of minutes or faster. However, despite the name – instant approval credit cards – the credit card issuer can still decline your application when you do not meet certain criteria. Or you won’t get instant approval if a credit card issuer needs some additional information or your application requires manual check. All in all, you will be able to get instant response from bank when you are applying for an instant approval credit card (or for an instant decision credit card).

How to get instant credit card?

First of all you should look for special credit card offers that have instant response, instant decision or instant approval features. The second is to provide full and correct information about you when you fill out an application form. But before you submit your application, make sure you read the terms and conditions and understood all terms.

Can I apply for credit card and use today?

Yes, if the credit card issuer provides such feature. While many credit cards can come with instant response, not all of them can be used right away. In most cases you will have to wait for your credit card to arrive in mail, and this takes about two or three days. However, there are store credit cards and online catalogue credit cards that can be used right away after approval. Such cards can only be used at a particular retailer and never at other locations.