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December 2024: Best Credit Cards with Instant Response from Our Partners

Apply online and you may get approved within sixty seconds, but before you apply please note that some of the products on this page do not offer instant approval though a response will be fast. Most of these cards do not come with a high credit limit, but they are great for people who want to find out right away whether they can get approved for a card. Instant decision offers do not guarantee approval, you still need to meet some minimum requirements to be able to qualify.

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Our Choice for December 2024

RESPONSE IN 60 SECONDS

Rating 3.7

  • Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Credit limit increase eligible after 12 months of consistent responsible account management.

our choice

Build Your Credit
Build Credit:
Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard®
Credit Check :
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes

More Credit Card Offers with Fast Response

Credit cards with an instant response are usually offered to people with poor credit who are looking for easy to get credit cards. However, it should be noted that you still have to meet the issuer's requirements to be able to get such an offer. If you have a good or excellent credit history, check out other types of credit cards. There are lots of cards to choose from that will offer you variable interest rates, great rewards, and/or reasonable credit limits.

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our choice

Rating 4.8

  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.

our choice

Loans up to
$100,000
Minimum Loan Amount:
$1,000
Maximum Loan Amount:
$100,000
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
Yes
Instant Response:
Yes
Credit Agencies Report:
Yes

our choice

Rating 3.5

  • Buy Now and Pay Later with Masseys Credit
  • Grow your credit with responsible use
  • Masseys Credit Lines Up To $500!
  • No annual fee
  • Payments as little as $5.99 per month
  • Conventient online account access

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
See terms
Late Payment Fee:
Up to $15.00
$500
Credit Limit
Security Deposit:
No
Credit Line:
$500
Credit Line Increase:
See terms
Instant Response
Instant Response:
Yes
Card Network:
Masseys®
Credit Check:
Yes

our choice

Rating 5.0

  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A $750 revolving line of credit to use for Kikoff purchases
  • Build payment history that gets reported to Equifax, Experian and TransUnion

our choice

No Credit Check
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Loans up to
$750
Minimum Loan Amount:
See terms
Maximum Loan Amount:
$750
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
Yes

our choice

Rating 3.7

  • Pre-qualify with no impact to your credit score.
  • Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build** credit, now it’s your turn.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.

our choice

Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard
Credit Check :
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Build Your Credit
Build Credit:
Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)

our choice

Rating 5.0

  • Build credit & Earn rewards.
  • Payment performance is reported monthly to TransUnion, Equifax, Experian, and Innovis.
  • Track your credit score every month.
  • Learn with courses and pick up useful skills.
  • Earn 1% back on loan offers. Up to $1,225.
  • 0% APR / $0 fees. Instant approval. No credit check.

our choice

Reporting
to the Major Consumer Reporting Agencies
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
No

our choice

Rating 3.7

  • Pre-qualify with no impact to your credit score
  • Helping people build** credit is our first priority – start your credit-building journey today.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
  • Award-winning, U.S.-based customer service

our choice

Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard
Credit Check :
Yes
Build Your Credit
Build Credit:
Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)

our choice

Rating 3.8

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • $750 Merchandise Credit Line
  • Exclusive Member Benefits
  • Start Shopping Right Away!

our choice

Instant Response
Instant Response:
Yes
Card Network:
Horizon Card Services
Credit Check:
No
0%
APR on Purchases
Annual Fee:
See terms
Regular APR:
0%
Late Payment Fee:
See terms
$750
Credit Limit
Security Deposit:
No
Credit Line:
$750 Limit (Usable only at TheHorizonOutlet.com)
Credit Line Increase:
See website for Details*

our choice

Rating 3.8

  • Enjoy a $1,000 Credit Line!
  • 0% Financing on brand name products exclusively at our online store.
  • Low Monthly payments.
  • No Credit Checks & No Credit Turndowns.
  • No Application Denied for Poor Credit.
  • Reward Yourself With the Benefits of Credit!
  • Buy Now... Pay Later!

our choice

0%
APR on Purchases
Annual Fee:
See terms
Regular APR:
0%
Late Payment Fee:
See terms
$1,000
Credit Limit
Security Deposit:
No
Credit Line:
$1,000
Credit Line Increase:
See terms
No Credit Check
Card Network:
My Unique Outlet
Card Type:
Unsecured Store Credit Card
Regular APR:
0%
Annual Fee:
See terms
Apply for Discover it® Cash Back - Credit-Land.com APPLY NOW

on Discover's secure website

Excellent/Good Credit

our choice

Rating 5.0

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 12, 2024.
  • Terms and conditions apply.

our choice

Up to
5%
Cash Back
Max. Rewards:
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically.
Redemption Options:
Redeem your rewards for cash at any time.
Match Rewards
at the End of Your First Year
Bonus Offer:
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% Intro APR (15 months)
Intro APR on Balance Transfer:
0% Intro APR (15 months)
Regular APR:
18.49% - 27.49% Variable APR *Rates as of December 12, 2024.
Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

our choice

Rating 3.5

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • $750 Limit (Usable only at TheHorizonOutlet.com)

our choice

0%
APR on Purchases
Annual Fee:
See website for Details*
Regular APR:
0%
Late Payment Fee:
See website for Details*
$750
Credit Limit
Security Deposit:
No
Credit Line:
$750 Unsecured Credit Limit*
Credit Line Increase:
See website for Details*
Instant Response
Instant Response:
Yes
Card Network:
Horizon Card Services
Credit Check:
No

our choice

Rating 3.7

  • PREMIER Bankcard credit cards are for building** credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build** your credit.

our choice

Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Build Your Credit
Build Credit:
Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard®
Credit Check :
Yes

our choice

Rating 3.4

  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Simple and fast application process
  • Greater access to credit than before - $700 credit limit
  • $0 Fraud Liability* for unauthorized use offers you peace of mind
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

our choice

$700
Credit Limit
Security Deposit:
No
Credit Line:
$700
Credit Line Increase:
See terms
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use nationwide wherever Mastercard is accepted
Credit Check:
Yes

our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®
  • *See Program Terms for important information about the cash back rewards program.
  • **Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
  • Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

our choice

Up to
3%
Cash Back
Max. Rewards:
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases:
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options:
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use Anywhere Mastercard® is Accepted
Credit Check:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes

our choice

Rating 3.4

  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability* for unauthorized use
  • Access your account online or from your mobile device 24/7
  • No security deposit required, even with less than perfect credit
  • Simple application process with a quick response
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

our choice

$700
Credit Limit
Security Deposit:
Credit Line:
$700
Credit Line Increase:
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use nationwide wherever Mastercard is accepted
Credit Check:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
Apply for Reflex® Platinum Mastercard® - Credit-Land.com APPLY NOW

Fair/Poor/Bad/Limited Credit
This offer is not available in Colorado, Illinois, Massachusetts, Washington, West Virginia.

our choice

Rating 3.7

  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • With responsible card use, you may be able to rebuild or improve your credit
  • Unsecured credit card that requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

our choice

Up to
$1,000
Credit Limit
Security Deposit:
No
Credit Line:
Up to $1,000 Initial Credit Limit
Credit Line Increase:
See terms
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured
Checking Account Required:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes

our choice

Rating 4.5

  • Get improved your credit score in less than 7 days
  • No credit check, no interest, no fees – just instant approval
  • High credit limit instantly lowers your credit usage
  • Use the Ava app to pay bills on time, building a positive payment history
  • Daily reporting to all bureaus
  • Subscription fee of $6/month when you sign up for an annual plan, the month to month subscription fee is $9

our choice

No Credit Check
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Loans up to
$2,500
Minimum Loan Amount:
See terms
Maximum Loan Amount:
$2,500
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
No
SHOW MORE CARDS

questionsABOUT
BUILDING CREDIT HISTORY

Does the Chime® Credit Builder Visa® Credit Card act like a traditional credit card? What would be my credit limit for the card?

The is a secured card linked to a Credit Builder Secured Account. It works just like a regular credit card in that you can use it to buy gas, groceries, or household goods anywhere Visa...

Read more
Can I get a Neiman Marcus Credit Card if I have bad credit history?

Excellent credit is not necessary, but this card will not be given to those with bad credit either. If you have bad credit and try to apply for a card or a line of credit of any kind that you are...

Read more
My credit score is poor. Which credit card will raise my credit scores quickly?

First of all, note that improving your credit score is not a quick process. It may take up to a couple of years to turn bad credit into good credit. But if you want to improve your credit score faster, keep your credit...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

behind the process of Instant
Credit Cards

The instant credit card application and decision process depends on your financial history, credit score, and the card issuer's approval policies. Some banks can take longer than others to deliver your results. Instant approval cards are offered by a number of banks in the United States.

The Reality of Instant Credit Cards

- High fees. Most credit cards of this type will have an annual or a monthly fee which can be rather high. More than that, you may be required to pay a one-time application processing or account opening fee.

- High interest rates are typical of this type of cards. Since the cards are usually offered to people with bad credit, interest rates are higher than average.

- Lower-than-average spending limits these cards offer are another sacrifice you must make for this kind of application approval process. However, it does not mean you won't be able to increase your initial credit limit later. Credit limit increases are available to those who manage their account responsibly.

- Instant approval is not guaranteed, and it does not necessarily mean that you can go shopping right away after approval. The card will take up to 15 business days to arrive, and very rarely will a bank offer to provide you with approved credit card information instantly.

- Most of the instant response credit cards are supported by Visa or Mastercard network, which means you may have access to coverages and protections like extended warranty, price protection or zero liability.

- Many instant approval cards are store credit accounts that can only be used at the issuing store or online catalog.

Also, you should remember that there always are some minimum requirements that you should meet to be able to qualify for any credit card, even if it promises guaranteed approval. As a rule, you are required to be 18 years of age (19 years in some states), have a stable income that exceeds your expenses, have a bank account, and do not have active bankruptcy (the one that is not discharged).

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commentsABOUT INSTANT
RESPONSE CREDIT CARDS🜂

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