Instant Approval Credit Cards


    • Get paid up to 2 days faster with free direct deposit ▼
    • Get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
    • 100% Approval* - upon successful ID verification. No credit check∞. No ChexSystems check. No existing bank account required.
    • $0 Activation fee†. No Minimum Balance. No risk of Overdraft fees.
    • $15 Bonus§ with qualifying Direct Deposit. Never pay to cash your paychecks and get your pay faster.
    • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
    • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
    • BBB Accredited A+ Company. Excellent Customer Service.
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APRN/A
    Balance Transfers Intro APR PeriodN/A
    Regular APRN/A
    Annual Feeup to $9.95 monthly fee

    See Terms *

    • Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between now through 6/30/16 and accounts must be in good standing for 90 days after opening.
    • Apply online in less than 5 minutes, and you could be approved today!
    • No Minimum Credit Score required; low interest rate of 17.99%
    • Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
    • No application fee or penalty rate
    • Build your credit with monthly reporting to all 3 major credit bureaus
    • 24/7 online access to your account
    • *See the Cardholder Agreement for more details.
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APR9.95%
    Balance Transfers Intro APR Period6 months
    Regular APR17.99% (Fixed)
    Annual Fee$39

    See Terms *

    • Reports to major credit bureau
    • Fast online approval
    • Unsecured credit limit
    • No credit check
    • No employment check
    • $500 initial credit line
    • 0% APR
    Purchases Intro APR0.00%
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APRN/A
    Balance Transfers Intro APR PeriodN/A
    Regular APR0% (Fixed)
    Annual Fee$24.95 benefits plan membership will be auto-debited monthly

    See Terms *

    • $0 monthly fee†
    • No credit check∞ or ChexSystems check
    • Instant account number
    • Free† direct deposit — paycheck, benefit checks, tax refund checks
    • Easy 24/7 online account access
    • Earn Refer-a-Friend cash bonus
    • Use it everywhere Mastercard Debit card accepted
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APRN/A
    Balance Transfers Intro APR PeriodN/A
    Regular APRN/A
    Annual Feeup to $9.95 monthly fee

    See Terms *

One of the greatest things about applying for a credit card online is that not only can you choose among the best credit card offers available, you may also be able to get an instant response to your credit card application.

Applying online for instant decision cards is a great convenience because you don't have to wait for weeks to find out whether you were approved or not. With online approval cards, you usually get a reply within less than a minute. So if one company declines your application, you have the option to simply try again with a different card issuer. Use our convenient online tool to compare credit cards to make a list of the ones you are interested in.

Of course, even with instant credit cards, you still have to wait until your newly approved card arrives in the mail before you can use it. That will usually take at least 5 to 7 business days.

How do companies offering credit cards with instant approval make a decision so fast? The decision is made by computer and based primarily on your credit score, plus a match of your social security number, address and phone number. Before mailing out the credit card, the card issuer will double-check the information you submitted, and make the decision about how high a credit card limit to issue.

It is recommended that you don't apply to more than 2 or 3 cards at one time, as applying to many cards in a short period of time may affect your credit score negatively.

There are many more credit card offers available that do not necessarily give instant approval but still have great features. If you want to transfer a balance, cards offering 0 apr for an introductory period can work well. We also have information about cards with low interestcash backrewards, or frequent flyer miles. Each section of our site contains cards for individuals and also business credit cards that offer benefits related to that category of card. For our top credit cards please go to our home page.