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 Recommended: Bad/No

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
Horizon Card Services: {Horizon Gold}
Apply now
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: No
Regular APR: 0.00%
Annual Fee: See Terms
Application Processing Fee: See Terms

Horizon Gold Credit Recommended: Bad/No

Details:

Must have Active Debit Card or Credit Card to qualify.Instant $500 Credit Line.No Credit Check. Show More
No Employment Check.Reports to a Major Credit Bureau.Fast Online Application.Bad Credit accepted.
Hide
Read more about the card

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

All your personal information will be protected

Total Visa® Unsecured Credit Card Credit Recommended: Bad/Fair

FEATURES:

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

APRs & FEES:

Regular APR: See Terms*
Annual Fee: See Terms*
Application Processing Fee: See Terms*
The Bank of Missouri: {Total Visa® Unsecured Credit Card}
Apply now
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: See Terms*
Annual Fee: See Terms*
Application Processing Fee: See Terms*

Total Visa® Unsecured Credit Card Credit Recommended: Bad/Fair

Details:

Checking Account RequiredFast and easy application process; response provided in secondsA genuine Visa® card accepted by merchants nationwide across the USA and online Show More
Manageable monthly payments$300 credit limit (subject to available credit)Reports monthly to all three major credit bureausSelect your favorite card design from our gallery, for free!
Hide
Read more about the card

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

All your personal information will be protected

First Access Visa® Solid Black Credit Card Credit Recommended: Fair/Bad

FEATURES:

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

APRs & FEES:

Regular APR: See Terms*
Annual Fee: See Terms*
Application Processing Fee: See Terms*
The Bank of Missouri: {First Access Visa® Solid Black Credit Card}
Apply now
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: See Terms*
Annual Fee: See Terms*
Application Processing Fee: See Terms*

First Access Visa® Solid Black Credit Card Credit Recommended: Fair/Bad

Details:

Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and onlineReporting monthly to all three major credit reporting agenciesPerfect credit not required for approval; we may approve you when others won’t Show More
Easy and secure online application$300 credit limit (subject to available credit)Receive your card more quickly with optional Expedited Processing (additional fee applies)Get a result in as little as 60 seconds upon completion of the online applicationSelect your favorite card design from our gallery, for free!Online Customer Center available 24 x 7Issued by The Bank of Missouri
Hide
Read more about the card

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

All your personal information will be protected

Reflex Mastercard® Credit Recommended: Fair/Bad

FEATURES:

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

APRs & FEES:

Regular APR: 25.90% - 29.99%
Annual Fee: $75 - $99
Application Processing Fee: See Terms*
Celtic Bank: {Reflex Mastercard®}
Apply now
Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 25.90% - 29.99%
Annual Fee: $75 - $99
Application Processing Fee: See Terms*

Reflex Mastercard® Credit Recommended: Fair/Bad

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 TransUnion* (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
Hide
Read more about the card

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.

Ask Question
follow us on Facebook to discuss your questions

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.

More cards by credit history: