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.

  • Unlimited 1% cash back gas rewards.
  • No limit to the gas rewards you can earn.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
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Ongoing APRAnnual FeeActivation FeeInstant Response
17.90% -
23.90% (Variable)*
$35-$99$0Yes
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you´ve made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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Ongoing APRAnnual FeeActivation FeeInstant Response
24.99%* (Variable)$0$0Yes
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
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Ongoing APRAnnual FeeActivation FeeInstant Response
24.90%$0$0Yes
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • 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.
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Activation FeeGuaranteed ApprovalCredit CheckBuild CreditDirect Deposit
see siteNoNoNoFree
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
  • 0% APR.
  • Reward Points for every dollar spent.
  • Shop Brand Name Merchandise.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Free Shipping.
  • No Employment Check.
  • Bad Credit - OK.
  • Response in 60 seconds or less.
  • Choose from thousands of products.
  • $25 off first purchase of $400 or more. Coupon Code: SAVE25OCT. Expires: 10/31/14.
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Ongoing APRAnnual FeeActivation FeeInstant Response
0.0%$49$29.99Yes
  • 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.
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Ongoing APRAnnual FeeActivation FeeInstant Response
0.00%See terms$29.95Yes

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.

* See Card Terms & Conditions for Details.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
78 In Accordance with Terms and Conditions.