Credit Card Guide
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Instant Approval Credit Cards

 

With Instant Approval Credit Cards, you will usually receive a decision on your online credit card application or prepaid card application right away. Some of the products on this page do not offer instant approval since more time is needed to process your application, but a response will be provided within 60 seconds.

 
     

 

Instant Approval Credit Cards & Prepaid Cards

 
     
 
Pink ACE Elite™ Visa® Prepaid Card
Pink ACE Elite™ Visa® Prepaid Card

Pink ACE Elite™ Visa® Prepaid Card

 

  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
  • Enroll in direct deposit today — receive your account number immediately.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Always know your balance— by mobile app, email, or text message. Standard data rates apply.*
  • Earn cash back on your everyday purchases through Payback rewards — get special offers and account credits when you use them.*
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/Aup to $9.95 monthly fee

PayPal™ Prepaid MasterCard®
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/A$4.95 monthly fee

Account Now Gold Visa® Prepaid Card
  • Perfect for Direct Deposit Tax Refund - Get your Tax Refund Fast without a traditional bank account.
  • 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% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring 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.
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/Aup to $9.95 monthly fee

First PREMIER® Bank Credit Card
First PREMIER® Bank Credit Card

First PREMIER® Bank Credit Card

 

  • Checking account required.
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit).
  • Monthly reporting to the major Consumer Reporting Agencies.
  • Issued by FDIC-insured First PREMIER® Bank.
  • Trying to rebuild your credit history? You may if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A*
N/A*N/A*N/A*See website*See website*

AccountNow® Prepaid MasterCard®
AccountNow® Prepaid MasterCard®

AccountNow® Prepaid MasterCard®

 

  • $0 Monthly Fee
  • No Credit Check or ChexSystems check
  • Instant Account Number
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere Mastercard Debit card accepted
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/Aup to $9.95 monthly fee

First PREMIER® Bank Gold Credit Card
First PREMIER® Bank Gold Credit Card

First PREMIER® Bank Gold Credit Card

 

  • Must have checking account to qualify
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit).
  • You may rebuild your credit history: make on time payments to all your creditors and keep your account balances low relative to the credit limit.
  • Reports your credit history to the major Consumer Reporting Agencies
  • This is a credit card - not a debit or prepaid card
  • A Gold credit card offer for those with less than perfect credit.
  • Apply for a credit card today - Get a response today!
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A*
N/A*N/A*N/A*See website*See website*

First PREMIER® Bank Classic Credit Card
First PREMIER® Bank Classic Credit Card

First PREMIER® Bank Classic Credit Card

 

  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
  • Optional Payment Protection Available
  • A credit card offer for those lacking perfect credit.
  • Rebuilding your credit history may be possible: make on time payments to all your creditors and keep your account balances low relative to the credit limit.
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A*
N/A*N/A*N/A*See Website*See Website*

 
     

 
Instant Approval Cards
 
 

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 interest, cash back, rewards, 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.

 
     

 

 
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