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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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Group One Freedom Card Credit Recommended: Bad

FEATURES:

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

APRs & FEES:

Regular APR: 0.00%
Annual Fee: See terms
Application Processing Fee: See terms
Horizon Card Services: {Group One Freedom Card}
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Instant Response: Yes
Reporting to Credit Bureaus: No
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!Receive a $750 Credit Line* Show More
Easy Application with Immediate ResultsNo Credit Check*usable only at theHorizonOutlet.com
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Surge® Platinum Mastercard® Credit Recommended: Fair

FEATURES:

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

APRs & FEES:

Regular APR: 29.99% (Variable)
Annual Fee: See website for Details*
Application Processing Fee: See Terms*
Celtic Bank: {Surge® Platinum Mastercard®}
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Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 29.99% (Variable)
Annual Fee: See website for Details*
Application Processing Fee: See Terms*

Surge® Platinum Mastercard® Credit Recommended: Fair

Details:

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)All credit types welcome to apply!Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian Show More
Initial Credit Limit of $300 – $1,000* (subject to available credit)Monthly reporting to the three major credit bureausSee if you’re Pre-Qualified without impacting your credit scoreFast and easy application process; results in secondsOnline 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
RescueLoans.net: {RescueLoans.net}
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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
Citrus Loans: {Citrus Loans}
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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® Platinum Mastercard® Credit Recommended: Fair/Poor/Bad/Limited

FEATURES:

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

APRs & FEES:

Regular APR: 29.99% (Variable)
Annual Fee: See Terms
Application Processing Fee: See Terms*
Celtic Bank: {Reflex® Platinum Mastercard®}
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Instant Response: Yes
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 29.99% (Variable)
Annual Fee: See Terms
Application Processing Fee: See Terms*

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

Details:

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)See if you’re Pre-Qualified with no impact to your credit scoreAll credit types welcome to apply Show More
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)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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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?

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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.

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