Instant Response Credit Cards
With instant response credit cards, you can apply online and receive notice of your acceptance or denial within seconds after filling out an online application for a credit card with instant response. Certain circumstances do occasionally arise in which more time will be needed to determine if you are approved or not.
9 Instant Response Credit Cards Available. Displaying Offers 1 - 9:
The Mango(TM) MasterCard® Prepaid Card 
- FREE MasterCard Prepaid Card & FREE Shipping
- FREE Instant Virtual Card – Shop Online Today
- FREE Direct Deposit + Get $20 Signup Bonus
- Earn High Savings Interest Rate!
- FREE Unlimited Purchase/ Signature Transactions
- FREE Check Your Balance With a Text Message
- Send and Receive Money Securely With Your Mobile Phone
- Refer friends and family and make money
- $0 Activation Fee
- $0 First Monthly Fee – Try it For FREE
- $0 Monthly Fee When You Load at Least $500 Per Month (Otherwise Only $5!)
- No Hidden Fees / No Overdraft Fees
- Fully FDIC Insured
- o Credit Check/ No Bank Account Required
- FREE Account Management – Over The Phone or Online
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| * | * | * | See Terms* | No | No Credit Check |
NetspendŽ VisaŽ Prepaid Debit Card
- 100% approval - No credit check required
- Make purchases anywhere Visa Debit is accepted
- Borrow Money and Build Credit with iAdvance line of credit
- No Overdraft Fees or Minimum Balances
- Free Direct Deposit
- EXCLUSIVE - 5% APY Savings Account
- Online Bill Pay - Easily send a check to Anyone
- Add up to $10K to your account in over 65,000 locations
- As seen on TV and in stores nationwide
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| * | * | * | See Terms* | No | No Credit Check |
Baby Phat Prepaid Visa® RushCard
- Show your style with the BabyPhat RushCard
- Guaranteed approval*
- No Credit Check
- FREE Direct Deposit
- No Overdraft Fees/ No Check Fees/ No Interest Fees
- Free Credit Builder
- 56% of cardholders save over $300/ year using the RushCard
- Make money with our Refer A Friend Program
- Reloadable with a $10,000 maximum balance
- Free Email/ SMS Alerts
- Card to Card transfers between RushCard Members
- Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| * | * | * | See Terms* | No | No Credit Check |
ACE Visa Prepaid Debit Card
- No application fee and no obligation
- No charge for cash withdrawals at 1,600 + ACE Cash Express locations with direct deposit (daily limit applies)*
- Free unlimited purchase transactions with paid enrollment in FeeAdvantage Plan
- Get paid up to 3 days earlier than with a paper check with free direct deposit of your paycheck or government check
- No overdraft fees or minimum balances
- Free direct deposit of your paycheck or government check
- Protection from unauthorized transactions if card is reported lost or stolen. FDIC Insured
- Earning your trust since 1968
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| * | * | * | See Terms* | No | No Credit Check |
Green Dot® Prepaid MasterCard®
- FREE $0 Activation Online –with NO credit check!
- FREE Cash withdrawals at over 15,000 participating ATMs
- FREE Online Bill Pay & Direct Deposit
- NO Monthly fee for any month with at least 30 purchases
- NO Transaction fees on US purchases
- NO Overdraft or penalty fees
- NO Minimum balance required
- GET $10 with Direct Deposit (see site for restrictions)
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| * | * | * | See Terms* | No | No Credit Check |
Prepaid Visa® Purple Diamond RushCard
- FREE Direct Deposit
- FREE live customer service 24/7
- FREE text alerts and phone balance inquiries
- FREE optional credit building history
- FREE online money management tools
- Pay bills and shop online
- Easy to use - the convenience of plastic WITHOUT THE DEBT
- NO Credit Check
- STOP Paying check cashing, overdraft, interest fees
- Card to Card transfers between RushCard Members
- Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| * | * | * | See Terms* | No | No Credit Check |
AccountNow Prepaid Visa® Card
- 100% Guaranteed Approval*
- $0 Activation Fee
- $25 Cash Bonus when you use direct deposit
- New iAdvance(SM) loan option
- No Overdraft Fees and no Minimum Balance
- Free Credit Builder
- Free Bill Pay
- Free Direct Deposit
- No Credit Check – for prepaid card only
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| * | * | * | See Terms* | No | No Credit Check |
Green Dot® Gold Prepaid Visa Card
- FREE $0 Activation Online –with NO credit check!
- FREE Cash withdrawals at over 15,000 participating ATMs
- FREE Online Bill Pay & Direct Deposit
- NO Monthly fee for any month with at least 30 purchases
- NO Transaction fees on US purchases
- NO Overdraft or penalty fees
- NO Minimum balance required
- GET $10 with Direct Deposit (see site for restrictions)
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| * | * | * | See Terms* | No | No Credit Check |
AccountNow™ Prepaid MasterCard®
- 100% Guaranteed Approval*
- $0 Activation Fee
- $25 Cash Bonus when you use direct deposit
- New iAdvance(SM) loan option
- No Overdraft Fees and no Minimum Balance
- Free Credit Builder
- Free Bill Pay
- Free Direct Deposit
- No Credit Check – for prepaid card only
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| * | * | * | See Terms* | No | No Credit Check |
Instant Response 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 response 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 response 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 response 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 response 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.
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