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Milestone® Gold MasterCard®
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  • Purchase APR:23.90% (Fixed)
  • Annual Fees:$35-$99 (varies by credit level)
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Prepaid Credit Card Applications for Fast Approvals

For many people, a prepaid credit card can seem like the best option to suit their needs. These kinds of cards allow you to make purchases without worrying about going into debt because you can only spend the amount you’ve put on the card, and, what’s more, you can get approval without a credit check or a bank account. They are a great option for those with bad or poor credit histories who need a little flexibility with their spending. More...

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AccountNow® Gold Visa® Prepaid Card
AccountNow® Gold Visa® Prepaid Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A up to $9.95 monthly fee
Type: Instant Approval, Prepaid ...
Rank: #1 Instant Approval , #2 ...
Credit Needed:   No Check
  • 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.
CCA In-House Review & more info
Horizon Gold Credit Card
Horizon Gold Credit Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A* N/A* $24.95 benefits plan membership will be auto-debited monthly
Type: Instant Approval, Cards f ...
Rank: #2 Instant Approval , #8 ...
Credit Needed:   Bad
  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
CCA In-House Review & more info
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However, if you have even fair credit, filling out prepaid credit card applications might be selling yourself short. Even if you’re enticed by the fact that pre-paid cards allow for instant approval online, understand that with online applications, some other credit cards will provide you with approval very quickly. The advantage to pre-paid cards is for those with bad credit who need to have a little financial flexibility. Unfortunately, they do nothing to help build up a good credit rating. With fair or even poor credit, you should most likely set your sights a bit higher and look to apply for a card with an actual credit line, which will help to rebuild your credit rating. While you may not be able to apply for the best credit cards online, there are several good options even at the lower credit levels.

Secured Credit Cards to Rebuild Your Credit

A good, middle-ground option for those who don’t have the FICO credit rating to get credit card approval, but don’t see the value in a pre-paid card, is to apply for a secured credit card. These typically require a down payment (something on the order of a few hundred dollars) to show that you have financial flexibility. Once the down payment is satisfied, however, the card will act as a normal credit card, and allow you to begin rebuilding your credit score. We have several different secured credit options available on the site, including those from Capital One. More than any other card issuer, Capital One has products across the credit rating spectrum including credit card applications for fair credit and cards for poor credit. They have a number of affordable products designed to help rebuild your credit score. At the time of this writing they even have a card which allows you a line of credit up to $3000 with the potential to increase your credit line over time without additional security deposits.

What are Instant Credit Card Applications?

The only Instant Approval Credit Card Applications are for prepaid cards and debit cards. These are also sometimes referred to as Instant Online Credit Card Applications. The approval is instant because you are not actually establishing a line of credit or borrowing. You are in effect, paying in advance.

Do not confuse these terms with Online Credit Card Applications with the term instant credit card application. While applying for a true ‘credit card’ online is faster than applying on paper, there is still an approval process and a certain amount of time spent reviewing the application.

Know you will qualify before you apply

To apply for the best credit card online to meet your requirements, we recommend using our credit card search engine before settling on a specific card, especially if your credit score is fair or lower. Every time you apply for a credit card and your credit history is checked, your credit score takes a small hit, so it is very important at the lower credit ratings to be fairly certain of approval before applying. By doing your research effectively, and analyzing your own spending patterns, you can pick out the best credit card online that you’ll actually qualify for.

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