Instant Decision Credit Cards

Featured Instant Decision Credit Card: Surge Mastercard® credit card
  • Surge Mastercard credit card
  • Rated: 4.0 out of 5
  • Intro APR: N/A*
  • Regular APR: See Terms*
  • Annual Fee: See Terms*

- 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

* * *

The latest Surge financial product is designed for those looking for an alternative credit card product that offers a path to a strong credit rating and faster approval process. Read more...

The cards featured here include products designed to meet the needs of individuals who may have a good or bad credit background. Your application for one of these instant decision cards involves a simple, secure online process and in most cases you will have your decision within a couple of minutes. However, if you do not have a good credit history the card issuer may need more time, and perhaps even more information, before deciding whether or not to accept your application. The cards offer a wide variety of options in both terms and conditions and the incentive packages available, so you should find one that meets your needs and lifestyle. Take advantage of the instant decision available and apply securely online now.



Instant Decision Credit Cards Listing

Sort listings by... Name Intro Rate Annual Fee APR Ratings
CardStatsRatedAboutTake Action
ABOC Platinum Rewards Credit Card
ABOC Platinum Rewards Credit Card
  • Intro APR: 0%
  • Intro APR Period: 12 months*
  • APR: 13.90% to 23.90% (V)*
  • Annual Fee: $0*
4.5 out of 5

ABOC Platinum Rewards Credit Card features low rates, 12 months introductory and 10,000 bonus points

Info Review Benefits Fees
Amalgamated Bank of Chicago Union Strong Credit Card
Amalgamated Bank of Chicago Union Strong Credit Card
  • Intro APR: 0%
  • Intro APR Period: 12 months*
  • APR: 10.25% (V)*
  • Annual Fee: $0*
4.5 out of 5

Amalgamated Bank of Chicago Union Strong Credit Card features bonus rewards, 12 months introductory rates and very low APRs for those who qualify

Info Review Benefits Fees
primor® Secured Visa® Gold Card
<i>primor</i> Secured Visa Gold Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 9.99%*
  • Annual Fee: $49*
4.5 out of 5

In recent years, we've learned that cash isnt always king, especially in our new technologically driven society. The primor Secured Visa Gold credit card is the first choice for many Americans who are seeking safety, convenience and financial options.

Info Review Benefits Fees
First Access Visa® credit card
First Access Visa credit card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: See Terms*
  • Annual Fee: See Terms*
3.5 out of 5

First Access credit card features full VISA card benefits, accepts all applications, reports credit and provides decision in 60 seconds. Apply online now!

Info Review Benefits Fees
Fingerhut Credit Account
Fingerhut Credit Account
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: See Terms*
  • Annual Fee: N/A*
4.4 out of 5

The Fingerhut Credit shopping card is reasonably easy to obtain and provides simple cardholder benefits. It is only accepted by Fingerhut for the purchase of their merchandise and is available to only U.S. residents.

Info Review Benefits Fees
Indigo® Platinum MasterCard® credit card
Indigo Platinum MasterCard credit card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 23.90%*
  • Annual Fee: $0 - $99*
4.0 out of 5

The Indigo Platinum MasterCard credit card from Genesis Bankcard Services features premium MasterCard benefits, online approval, and easy application.

Info Review Benefits Fees
LUXE Signature Shopping Credit Card
LUXE Signature Shopping Credit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 0.00%*
  • Annual Fee: N/A*
3.5 out of 5

The Luxe Signature Card is a line of credit merchandise card that allows individuals to purchase high-end merchandise at a discount and through monthly installments. With no interest on purchases and a low monthly account maintenance fee, this is a program with a number of benefits.

Info Review Benefits Fees
Milestone® MasterCard® - Bad Credit Considered
Milestone MasterCard - Bad Credit Considered
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 23.90%*
  • Annual Fee: $35 - $99*
4.0 out of 5

In the financial space, the number of credit card offers grow each year. How do you know which one best suits your needs? The Milestone® MasterCard® - Bad Credit Considered - card allows you to prequalify without it affecting your credit score.

Info Review Benefits Fees
primor® Secured Mastercard® Gold Card
<i>primor</i> Secured Mastercard Gold Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 9.99%*
  • Annual Fee: $49*
3.8 out of 5

The American financial sector is designed to meet the needs of consumers and many of those needs are met with credit cards. The primor secured Mastercard Gold credit card provides an affordable way for consumers to make the most of their buying power.

Info Review Benefits Fees
Credit One Bank® Unsecured Visa® Credit Card
Credit One Bank Unsecured Visa Credit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 16.99% - 24.99% (V)*
  • Annual Fee: $0 - $99*
4.0 out of 5

Now you can review your credit card offers before deciding which one meets your needs. The Credit One Bank® card with 1% Cash Back on Eligible Purchases allows you to pre-approve without it affecting your credit and while giving you options in the terms and conditions, credit line, etc.

Info Review Benefits Fees
Total VISA® Credit Card (Flower Power)
Total VISA Credit Card (Flower Power)
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: See Terms*
  • Annual Fee: See Terms*
3.5 out of 5

The Total Visa® credit card with Flower Power design is a credit card for people with "less than perfect" credit. The card offers instant online decisions and approvals in minutes

Info Review Benefits Fees
24k Prepaid Visa® RushCard
24k Prepaid Visa RushCard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: N/A*
  • Annual Fee: See Terms*
4.5 out of 5

The 24k Prepaid Visa RushCard is a prepaid card built to serve every consumer with need for a debit card. It comes on the VISA network with added benefits. Low card charges means every card member gets to spend more with less.

Info Review Benefits Fees
Milestone® MasterCard® with Free Choice of Card Image
Milestone MasterCard with Free Choice of Card Image
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 23.90%*
  • Annual Fee: $35 - $99*
4.0 out of 5

Imagine knowing whether you're approved for a credit card and what the credit terms without it affecting your credit scores. That's what Milestone offers with its MasterCard.

Info Review Benefits Fees
Indigo® MasterCard® for Less than Perfect Credit
Indigo MasterCard for Less than Perfect Credit
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 23.90%*
  • Annual Fee: $0 - $99*
4.0 out of 5

The Indigo MasterCard for Bad Credit features premium benefits, instant pre-approval and credit reporting.

Info Review Benefits Fees
Indigo® Platinum MasterCard®
Indigo Platinum MasterCard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 23.90%*
  • Annual Fee: $0 - $99*
4.0 out of 5

The Indigo Platinum MasterCard from Genesis Bankcard Services features premium benefits pack, online pre-approval and instant application.

Info Review Benefits Fees
Total VISA® Credit Card
Total VISA Credit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: See Terms*
  • Annual Fee: See Terms*
3.5 out of 5

The Total Visa® card is a credit card for people with "less than perfect" credit. With Instant Online Decisions, you may be approved in minutes

Info Review Benefits Fees
READYdebit® Visa® Mint Control Prepaid Card
READYdebit Visa Mint Control Prepaid Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: N/A*
  • Annual Fee: N/A*
4.5 out of 5

The READYdebit Mint Control Credit Card allows a person to do so much more than any other credit card with its 50,000 easy outlets for direct pay drops and money control between two cards.

Info Review Benefits Fees
Carbon Prepaid Visa® RushCard
Carbon Prepaid Visa RushCard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: N/A*
  • Annual Fee: See Terms*
4.5 out of 5

The Carbon RushCard is the ideal prepaid Visa card for US residents who prefer interest-free spending. This prepaid card does not charge interest and its maintenance fees are very low.

Info Review Benefits Fees
Tampa Bay Buccaneers Extra Points Credit Card
Tampa Bay Buccaneers Extra Points Credit Card
  • Intro APR: See Terms
  • Intro APR Period: See Terms*
  • APR: See Terms*
  • Annual Fee: See Terms*
4.0 out of 5

You will enjoy football in the Sunshine State just a little more next season when you use this card to earn rewards that will come in handy after opening kickoff. In the off season, though, you will enjoy a simple earnings schedule and some of the best, most convenient benefits on the market today.

Info Review Benefits Fees



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