Credit Cards » Instant Decision Card Offers

Instant Decision Card Offers

Instant approval credit cards or prepaid cards give you the information you need, when you need it. Some of the products on this page do not offer instant approval, but a response will be provided within 60 seconds. When you apply for one of these cards, you will know almost immediately whether or not you have been approved. Instant approval prepaid or credit card offers take the guesswork out of your card application process. You don't have to wait around, wondering if you'll be approved for the credit you need.

  • 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.
Ongoing APRAnnual FeeActivation FeeInstant Response
29.99% (V)$125 for the first year. After that, $96 annuallySee termsYes
  • 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.
Ongoing APRAnnual FeeActivation FeeInstant Response
0.00%See terms$29.95Yes
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 275,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • 4th of July Savings Going on Right Now with Fingerhut.
  • Get $50 off $200 - USE Promo Code NC801. Exp. 8/3/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Ongoing APRAnnual FeeActivation FeeInstant Response
24.90%$0$0Yes
  • 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.
  • $25 off first purchase of $400 or more. Coupon Code: JNE2015. Expires: 06/30/15.
Ongoing APRAnnual FeeActivation FeeInstant Response
0.0%$49$0Yes
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks and tax refund faster!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions.
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new).
  • Earn Cash back rewards from specially selected stores, restaurants and more.
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
Activation FeeGuaranteed ApprovalCredit CheckBuild CreditDirect Deposit
see siteNoNoNoFree
  • Find Your Perfect Card Offer!
  • Get results in seconds!
  • See if you qualify in 3 easy steps.
Ongoing APRAnnual FeeActivation FeeInstant Response
See termsSee termsSee termsNo
  • Apply now, buy Today*.
  • Low APR, No Hidden Fees, No annual fees.
  • Take $25 off your $100 purchase from Gettington - Use Coupon Code GTN334 **Offer Expires 8/31/2015.
  • Shop Brand Name Products.
  • Two payment options available*.
Ongoing APRAnnual FeeActivation FeeInstant Response
14.90% or 19.90%$0$0Yes

The Facts About Instant Approval Credit Card Offers

Applying for a credit card can be a difficult and stressful process. Especially if you aren't sure what your credit score is like, you can spend a lot of time and worry wondering whether or not you're going to be approved for the card that you want. Then, if you aren't approved, you have to start all over again from scratch, looking for the right card for you, sending out your information, and then twiddling your thumbs for days while the credit card company runs around, gathering information on you.

If you are sick of the process, think about applying for instant approval cards. When you apply for such cards, you will know whether or not you have been approved for the card you want within just seconds of sending in your application.

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

One thing to keep in mind, though, is that even if the process of applying only takes seconds, getting the card itself and access to funds will take one or two weeks. Many people mistakenly assume that such cards give you immediate approval as well as immediate access. The only "instant" part is the approval process. Even if you've been approved, you still have to wait for the physical credit card itself to come in the mail, and then perform several security measures in order to avoid fraudulent use.

Another thing to take into consideration when you are applying is your credit score. Just because the application process is fast doesn't mean that the institutions offering them aren't interested in your credit history. If you have bad credit, applying for lots of instant approval credit cards isn't going to make it any better. You have to find an institution that provides cards specifically for people with varied credit histories. Be aware of what your credit score is like, and you'll be able to make better decisions.

Finally, just because these cards come with a fast approval process doesn't mean the credit cards themselves don't have to be great. There are lots of institutions offering a variety of such cards, so shop around to find the right one for you. When you look at lots of offers, you will see a lot of variation in interest rates, introductory rates and user benefits, so don't just pick up the first one that catches your eye. The application process might be fast, but you might have the card itself for a long time, so take your time in deciding which ones you want to apply for.

6 Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit.