Instant Decision Credit Cards

Featured Instant Decision Credit Card: NetSpend® Visa® Prepaid Card
  • NetSpend Visa Prepaid Card
  • Rated: 4.5 out of 5
  • Intro APR: N/A*
  • Regular APR: 0.00%*
  • Annual Fee: $0*

- Win up to $5,000 in Netspend Tax Time* Sweeps!
- With Netspend Direct Deposit, you can get paid faster than a paper check.
- No late fees or interest charges because this is not a credit card.
- No Overdraft Fees on purchases using your card.
- Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
- Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card" for full details.
- See additional NetSpend® Prepaid Visa® details.

* * *

The NetSpend Visa Prepaid Debit Card is easy to get. The benefits are simple, and the card is accepted at locations worldwide that accept Visa credit cards. This is the ideal way for someone with poor credit to use a card just like a credit card. 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
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NetSpend® Visa® Prepaid Card (Blue Card Design)
NetSpend Visa Prepaid Card (Blue Card Design)
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 0.00%*
  • Annual Fee: N/A*
4.5 out of 5

Blue NetSpend Prepaid Visa debit credit card issued by Meta Bank features no credit check and instant online decision for bad credit applicants.

Info Review Benefits Fees
Chase Freedom® Unlimited Visa®
Chase Freedom Unlimited Visa
  • Intro APR: 0%
  • Intro APR Period: 15 months*
  • APR: 14.99% - 23.74% (V)*
  • Annual Fee: $0*
4.0 out of 5

The Chase Freedom Unlimited Visa credit card offers no annual fee, free up to 5% cash back rewards, 15 months intro, and $200 bonus cash. Easy and fast online application.

Info Review Benefits Fees
Surge Mastercard®
Surge Mastercard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 24.99% - 29.99% (V)*
  • Annual Fee: See Terms*
3.5 out of 5

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.

Info Review Benefits Fees
Surge Secured Mastercard®
Surge Secured Mastercard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 19.99% (V)*
  • Annual Fee: $69*
3.5 out of 5

This Secured Surge Mastercard is designed for applicants with bad credit who wish to build a credit score and get cash back rewards. The card reports credit activity and has a fast approval.

Info Review Benefits Fees
Reflex Mastercard®
Reflex Mastercard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 24.99% - 29.99% (V)*
  • Annual Fee: See Terms*
4.0 out of 5

Celtic Bank issued, the Reflex Mastercard credit card offers $300-$750 unsecured credit depending on your creditworthiness. The card reports to all major credit bureaus but has higher than average fees.

Info Review Benefits Fees
Revvi Visa® Credit Card
Revvi Visa Credit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 34.99% (V)*
  • Annual Fee: See Terms*
3.5 out of 5

Info Review Benefits Fees
First Access Visa® Card
First Access Visa 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
Merrick Bank Secured Visa® from Merrick Bank
Merrick Bank Secured Visa from Merrick Bank
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 17.45% (V)*
  • Annual Fee: $36*
4.5 out of 5

The Merrick Bank Secured Visa® Credit Card offers a $200-$5,000 secured limits depending on your initial deposit. The card is easy to apply and has no setup fees.

Info Review Benefits Fees
Applied Bank® Secured Visa® Gold Preferred® Card
Applied Bank Secured Visa Gold Preferred Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 9.99%*
  • Annual Fee: $48*
4.5 out of 5

The Applied Bank® Secured Visa® Gold Preferred® Credit Card gets your credit started with a $200-$1,000 limit depending on your initial deposit. The card is easy to obtain online.

Info Review Benefits Fees
Greenlight Mastercard® - Debit Card for Kids
Greenlight Mastercard - Debit Card for Kids
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 0.00%*
  • Annual Fee: See Terms*
4.0 out of 5

Greenlight Mastercard Prepaid Card feature one-month free trial and low fees.

Info Review Benefits Fees
Aspiration Plus Spend & Save™ World Debit Mastercard®
Aspiration Plus Spend & Save World Debit Mastercard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 0.00%*
  • Annual Fee: See Terms*
4.0 out of 5

A complete suite of planet‑friendly and financial benefits comes together with the Aspiration Spend & Save World debit Mastercard.

Info Review Benefits Fees
Aspiration Spend & Save™ Debit Mastercard®
Aspiration Spend & Save Debit Mastercard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 0.00%*
  • Annual Fee: $0*
4.0 out of 5

Personal impact eco score and option to plant a tree with every roundup comes with the Aspiration Spend & Save debit Mastercard.

Info Review Benefits Fees
Milestone® Mastercard® - Unsecured For Less Than Perfect Credit
Milestone Mastercard - Unsecured For Less Than Perfect Credit
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 24.90%*
  • Annual Fee: See Terms*
4.0 out of 5

Milestone Mastercard card (Unsecured For Less Than Perfect Credit) issued by Genesis Bankcard Services offers attractive benefits package and fast online pre-qualification process.

Info Review Benefits Fees
Consumers Credit Union Visa® Debit Card
Consumers Credit Union Visa Debit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 0.00%*
  • Annual Fee: $0*
4.5 out of 5

CCU Visa debit card from Consumers Credit Union comes along the rewards checking account, has no fees and stored value benefits

Info Review Benefits Fees
Axos Bank Checking Visa® Debit Card
Axos Bank Checking Visa Debit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: N/A*
  • Annual Fee: $0*
3.8 out of 5

Axos Bank Visa debit card comes along a checking account, has no fees, can earn rewards and offers great benefits

Info Review Benefits Fees
First Progress Platinum Elite Mastercard® Secured Card
First Progress Platinum Elite Mastercard Secured Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 19.99% (V)*
  • Annual Fee: $29*
4.5 out of 5

The First Progress Platinum Elite Mastercard Secured credit card is designed for those with no or poor credit. The online application is simple and a card can be received in 5 days. A refundable deposit will be required to secure the credit line that is granted on the card.

Info Review Benefits Fees
Self - Credit Builder Account + Secured Visa® Card
Self - Credit Builder Account + Secured Visa Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: See Terms*
  • Annual Fee: $0*
3.5 out of 5

Self credit building account and secured card issued by Lead Bank features CD backed loan, monthly credit reporting and low fees.

Info Review Benefits Fees
Applied Bank® Unsecured Classic Visa® Card
Applied Bank Unsecured Classic Visa Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 29.99%*
  • Annual Fee: See Terms*
3.5 out of 5

The Applied Bank Classic Visa card is an unsecured credit card for those with poor credit history to build credit. The card reports to all Credit Bureaus and accepts all credit applicants.

Info Review Benefits Fees
Indigo® Platinum Mastercard®
Indigo Platinum Mastercard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 24.90%*
  • Annual Fee: See Terms*
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



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