Instant Approval Credit Cards

Apply online for an instant approval credit card and if you qualify, you will receive a decision online instantly. Fill out the online application and see if you're approved in just seconds! Remember, instant approval credit cards normally require good to excellent credit in order to give you an instant decision.

Merit Platinum Card


  • 0% Interest
  • No Credit Check
  • No Employment Check
  • Reports to Major Credit Bureau
Credit Needed
Bad Credit

National Platinum

    National Platinum Club - $10,000 Line of Credit at our national platinum online mega-store!  0% interest on all unpaid balances! No Credit Checks or Turndowns!  Fast and Easy Approvals!
Credit Needed
No Credit

NetSpend® MasterCard® Prepaid Debit Card


  • 100% Approval - No credit check required*
  • Free Direct Deposit - Get paid up to 2 days faster**
  • Free Online Cardholder-to-Cardholder Transfers
  • Optional Savings Account with a 5.00% APY**
Credit Needed
No Credit

NetSpend® Visa® Prepaid Debit Card


    • 100% Approval - No credit check required*
    • Free Direct Deposit - Get paid up to 2 days faster** 
    • Free Online Cardholder-to-Cardholder Transfers
    • Optional Savings Account with a 5.00% APY** payments 
Credit Needed
No Credit