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

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Group One Freedom Card Credit Recommended: Bad

FEATURES:

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

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: No
Regular APR: 0.00%
Annual Fee: See terms
Application Processing Fee: See terms

Group One Freedom Card Credit Recommended: Bad

Details:

Bad Credit, Low Score? No Problem!Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!Build your Credit with responsible handling of your account Show More
Receive a $750 Credit LineEasy Application with Immediate ResultsNo Credit Check
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Surge Mastercard® Credit Recommended: See website for Details*

FEATURES:

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

APRs & FEES:

Regular APR: 24.99% - 29.99% (Variable)
Annual Fee: See website for Details*
Application Processing Fee: See Terms*
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 24.99% - 29.99% (Variable)
Annual Fee: See website for Details*
Application Processing Fee: See Terms*

Surge Mastercard® Credit Recommended: See website for Details*

Details:

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) Show More
Monthly reporting to the three major credit bureausSee if you’re Pre-Qualified without impacting your credit scoreFast and easy application process; results in secondsFree online account access 24/7Checking Account Required
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RescueLoans.net Credit Recommended: Any Credit

LOAN AMOUNT:

Minimum: $100
Maximum: $1,000

REQUIREMENTS:

Minimum Credit Score: See terms
Minimum Age: 18
Minimum Income Required: See terms
Checking Account Required: No
Minimum: $100
Maximum: $1,000
Minimum Credit Score: See terms
Minimum Age: 18
Minimum Income Required: See terms
Checking Account Required: No

RescueLoans.net Credit Recommended: Any Credit

DETAILS:

Fast approval in as little as 2 minutesYour money directly deposited into your accountSafe and Secure Show More
Flexible PaymentsAll Credit Types
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Citrus Loans Credit Recommended: Any Credit

LOAN AMOUNT:

Minimum: $100
Maximum: $2,500

REQUIREMENTS:

Minimum Credit Score: See terms
Minimum Age: 18
Minimum Income Required: See terms
Checking Account Required: No
Minimum: $100
Maximum: $2,500
Minimum Credit Score: See terms
Minimum Age: 18
Minimum Income Required: See terms
Checking Account Required: No

Citrus Loans Credit Recommended: Any Credit

DETAILS:

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. Show More
You may be approved in minutes, and your cash will be deposited straight into your bank account.
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Reflex Mastercard® Credit Recommended: Fair/Poor/Bad/Limited

FEATURES:

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

APRs & FEES:

Regular APR: 24.99% - 29.99% (Variable)
Annual Fee: See Terms
Application Processing Fee: See Terms*
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 24.99% - 29.99% (Variable)
Annual Fee: See Terms
Application Processing Fee: See Terms*

Reflex Mastercard® Credit Recommended: Fair/Poor/Bad/Limited

Details:

See if you’re Pre-Qualified with no impact to your credit scoreAll credit types welcome to applyFree access to your Vantage 3.0 score from Experian* (When you sign up for e-statements) Show More
Monthly reporting to the three major credit bureausFast and easy application process; results in secondsUse your card at locations everywhere Mastercard® is acceptedChecking Account Required
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All your personal information will be protected

Merit Platinum Card Credit Recommended: Damaged credit to Fair credit

FEATURES:

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

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: No
Regular APR: 0.00%
Annual Fee: See terms
Application Processing Fee: See terms

Merit Platinum Card Credit Recommended: Damaged credit to Fair credit

Details:

Bad Credit, No Credit? No Problem!Reports to Major Credit BureauFast and Easy Application Show More
No Employment or Credit Check
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PickALender Credit Recommended: All Credit Considered

LOAN AMOUNT:

Minimum: $100
Maximum: $40,000

REQUIREMENTS:

Minimum Credit Score: See terms
Minimum Age: 18
Minimum Income Required: See terms
Checking Account Required: No
Minimum: $100
Maximum: $40,000
Minimum Credit Score: See terms
Minimum Age: 18
Minimum Income Required: See terms
Checking Account Required: No

PickALender Credit Recommended: All Credit Considered

DETAILS:

Request a loan in under 2 minutes!This service is free and will NOT affect your credit scoreMoney can be deposited as soon as the next business day

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.