Compare instant approval credit cards you can use right away

You can use these cards almost immediately after approval.

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When you apply for a credit card online, it’s not uncommon to receive approval within 60 seconds or less. Once your application is approved, you should usually receive your card so you can start spending within a week or two.

There are also some banks that’ll approve you for a card and almost immediately give you the card number so you have access to your credit right away. Find out which banks give you instant approval and card numbers so you can use your card almost immediately.

Which banks give card numbers immediately after approval?

Getting a card number right after approval is very convenient, but not every bank will do that. In the table below, find out which banks will give you a card number so you can start using your card as soon as you’re approved.

Instant card numbers Notes
Alliant cross-icons Alliant doesn’t provide instant card numbers for any of its cards
American Express transparent-green-tick Available for all cards
Apple Card (by Goldman Sachs) transparent-green-tick Available as soon as you are approved
Bank of America transparent-green-tick You have to apply via the Bank of America Mobile app
Barclaycard cross-icons Most cobranded cards get instant card numbers, but only to use at the brand’s website
BBVA cross-icons Some users report they succeeded in getting an instant card number, but only when visiting the branch
Brex transparent-green-tick Available for all cards
Capital One cross-icons Some users reported success in getting instant card numbers, while others did not; The Walmart Rewards Mastercard gives instant card numbers to use at the store
Chase cross-icons Users report that some cobranded cards can be used immediately after approval on their websites; these are:
  • Marriott
  • British Airways
  • United Airlines
  • Southwest Airlines
  • Amazon
  • Disney
Citi cross-icons Apparently, you can only get instant card numbers with these three cobranded cards:
  • American Airlines
  • AT&T
  • Costco (only if applied in-store)
Discover cross-icons Discover doesn’t provide instant card numbers for any of its cards
HSBC cross-icons Technically, HSBC gives you the credit card number after approval, but you don’t get the CCV number and the expiry date, which means you can’t use your card
Navy Federal Credit Union cross-icons NFCU doesn’t provide instant card numbers for any of its cards
Synchrony cross-icons CUsers report getting instant card numbers for three cobranded cards:
  • Rakuten (previous Ebates)
  • Ebay
  • PayPal
USAA transparent-green-tick Instant card numbers are available to all USAA cards, but you only get $1,000 credit limit until your physical card arrives
US Bank cross-icons US Bank doesn’t provide instant card numbers for any of its cards
Wells Fargo cross-icons Wells Fargo doesn’t provide instant card numbers for any of its cards

Compare credit cards with instant card numbers

These credit cards have been reported to provide your card number instantly once you’ve been approved. Some cobranded cards, such as the United℠ Explorer Card, may allow you to use your new card to make a purchase as soon as you’ve been approved, but only on the provider site.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Gold Delta SkyMiles® Credit Card from American Express
2x miles on Delta purchases and 1x miles on all other purchases
17.24% to 26.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
United℠ Explorer Card
2x miles at restaurants, hotels and United and 1x miles on all other purchases
17.99% to 24.99% variable
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening plus 25,000 miles after spending $10,000 in the first 6 months.
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.24% to 26.24% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.49% to 25.49% variable)
$95
6% cash back at US supermarkets. Rates & fees

Compare up to 4 providers

Other store cards you can get instant credit card numbers

Some users report that they got instant credit card numbers after approval with the following store cards:

  • Amazon.com Store Card
  • Build.com Credit Card
  • Belk Rewards Credit Card
  • Bergdorf Goodman Credit Card
  • Best Buy Credit Cards
  • Bloomingdale’s Credit Card
  • Goodyear Credit Card
  • IKEA® Visa® credit card
  • JCPenney credit card
  • Kohl’s Charge
  • L.L.Bean Mastercard
  • Macy’s Credit Card
  • Neiman Marcus Credit Card
  • Nordstrom Credit Card
  • Orvis Rewards Visa
  • Sandals Credit Card
  • Sears Credit Card
  • Sephora Credit Card
  • Ulta Credit Card
  • Williams Sonoma Credit Card

Benefits of instant approval

Getting your credit card number as soon as you’re approved comes with benefits, such as:

  • Instant discount and rewards. Depending on the card you’re approved for, you can use the discount on your purchases or earn rewards before your physical card arrives.
  • Meet signup bonus requirements. If the card comes with a welcome offer, you get a chance to earn it early on.
  • Emergency credit line. This is helpful if you need to make a large purchase and you don’t have available credit on your other cards. Getting instant credit card numbers allows you to expand your credit card before getting your physical card. And if the card comes with a 0% intro APR period, you get an even higher value.

How do instant approval credit cards work?

Most banks and credit card issuers allow you to apply for cards online. The credit card provider can access the online national credit bureau and calculate its response using your credit status almost instantly. It’s only when there’s an issue with your application or credit history that it might take longer than 60 seconds for the bank to process.

Applying for a credit card online also has some security benefits. Your application will be protected by 128-bit encryption and an online application is easier to track, reducing the chance of lost documents.

Like any other credit card application, though, your approval will depend on your credit history, income and the information you included in your application.

What are your chances for instant approval?

Typically instant approval credit cards are aimed at those with good to excellent credit scores. Even if you meet the basic eligibility requirements and have an excellent credit score, there are a number of reasons your application may be declined. An instant approval credit card doesn’t mean your approval is guaranteed.

How to apply for an instant approval credit card in 4 steps

An instant approval credit card is an easy way to apply online and receive your credit card as soon as possible. To improve your chances of instant approval though, there are a few steps you’ll need to take to make sure you’ve completed your application properly.

  1. Compare your options
  2. Check the eligibility requirements
  3. Collect the necessary documents and information
  4. Apply online

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Step 1. Compare your options.

As you can apply for most credit cards online and offer instant approval within 60 seconds, it’s important to compare your options before applying. Rather than basing your decision on the fact that you could potentially receive approval within 60 seconds, make sure to consider the following:

  • Fees. Annual, foreign transaction, balance transfer, late and returned payment fees should all be taken into consideration.
  • Rates. Check the APR for purchases, cash advances and balance transfers before settling on a card.
  • Features. Rewards programs, balance transfer offers, signup bonuses, complimentary insurance and purchase protection are just a few benefits to take into account when comparing your options.

Make sure you can afford the card and that it offers the extra features you need to manage your credit.

Step 2. Check the eligibility requirements.

While you could receive approval within 60 seconds, you won’t receive approval at all if you don’t meet the eligibility requirements. Some of the criteria you’ll be expected to meet include:

  • Good credit history. Most banks only accept applicants who have a good credit history with no evidence of defaults.
  • Residential status. Depending on the card, you might only be able to apply if you’re a permanent U.S. resident. Some banks do offer cards for temporary residents, so you can use our guide to compare your options.
  • Income. You’ll need to meet a minimum income requirement to receive approval for the card. If you don’t meet the income requirement of a card, you might want to compare low-income credit cards for more choice.

Step 3. Collect the necessary documents and information.

When you apply for a credit card online, you’ll be required to attach a number of documents and provide some personal information to receive instant approval. Some of the personal information you’ll need to provide includes:

  • Proof of identity. You’ll be asked to provide proof of your identity such as your drivers licence, birth certificate or medicare card.
  • Personal details. You’ll need to provide your full name, residential address and contact details.
  • Employment and income. You’ll need to provide proof of employment and income, including the details of your employer and recent pay slips. If you’re self-employed you’ll need to provide your accountant’s details and if you’re retired, you’ll need to provide evidence of your centrelink payments or assets.
  • Balance transfer details. If you’re applying for a balance transfer, you’ll need to provide the details of your existing account and the amount you’re transferring during the application.

To ensure a smooth and quick application process, make sure you have these details on hand before you begin your application.

Step 4. Apply online.

Once you’ve compared your credit card options, made sure you meet the eligibility criteria and organized the necessary documents, you can select the ‘Go to Site’ button to begin your secure online application. This should only take around 10 to 15 minutes if you have all of the relevant details handy. Once you’ve submitted your application, you should receive your response within 60 seconds. You’ll either be approved, rejected or, if the bank needs to investigate a detail of your application in further detail, left pending.

Credit cards for applicants with bad credit

You’ll only receive instant approval for a credit card if you meet the eligibility requirements and provide all of the relevant documents. Not having a qualifying credit score or being unable to meet the eligibility requirements will bar you from approval.

Bad credit history can potentially be fixed — you can work on improving your credit score, or consider an alternative specifically for applicants with bad credit. Rejected applications can hurt your credit score even further, so it’s important to consider these conditions before applying.

Luckily, most store credit cards have low eligibility requirements, allowing you to apply with a poor credit score or with no credit history. If you can’t find a secured card with instant credit card approval, make sure you check out store cards next.

What to do if your credit card application is declined

If your application is rejected, you shouldn’t apply for another credit card straight away. Applying for several credit cards in a short period and having rejected applications on your credit file can further damage your credit score.

Instead, you might want to try the following:

  1. Review eligibility requirements.
  2. Review your credit score and credit history.
  3. Contact the provider if you can’t narrow down the reasons why you weren’t approved.
  4. Spend time improving your credit history or comparing other credit cards.
  5. Apply for another credit card after a few months to give time for credit score repairal.

You can use our guide on reasons why your credit card might have been declined to get started.

Bottom line

Instant approval credit cards are an easy way to apply for a credit card online and get your credit card sooner. As instant approval credit cards still require you to meet the relevant eligibility requirements, it’s important to compare your options and prepare your application before submitting it to improve your chances of approval.

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4 Responses

  1. Default Gravatar
    JaniceNovember 14, 2018

    Is there a credit card I can get with poor credit scores and get instantly qualified for?

    • Default Gravatar
      joelmarceloNovember 15, 2018

      Hi Janice,

      Thanks for leaving a question on finder.

      Secured credit cards are great way to rebuild your credit history, and you can learn all about how in our secured credit cards guide. Secured credit cards operate just like regular credit cards but require that you put down a security deposit to determine the limit of your card. Say you make a $500 security deposit, then you have a $500 card limit. This tells the issuer you have enough money to pay off the card. Provided the issuer reports to the three major bureaus — and most secured cards do — and provided you pay off your card on time, you’ll be on your way to lifting your credit score from bad to good in no time.

      For all your other options considering you do not have a perfect credit score, please click here.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  2. Default Gravatar
    JohnJune 26, 2018

    I want to get pooersonal credit card

    • Avatarfinder Customer Care
      nikkiangcoJune 26, 2018Staff

      Hi John!

      Thanks for getting in touch!

      To get a personal credit card, below are the general requirements you’d need to get approved.

      Proof of identity. You’ll be asked to provide proof of your identity such as your drivers licence, birth certificate or medicare card.
      Personal details. You’ll need to provide your full name, residential address and contact details.
      Employment and income. You’ll need to provide proof of employment and income, including the details of your employer and recent pay slips. If you’re self-employed you’ll need to provide your accountant’s details and if you’re retired, you’ll need to provide evidence of your centrelink payments or assets.
      Balance transfer details. If you’re applying for a balance transfer, you’ll need to provide the details of your existing account and the amount you’re transferring during the application.
      To ensure a smooth and quick application process, make sure you have these details on hand before you begin your application.

      It would also be advisable to check your credit score as this would increase your chances of approval for any credit application.

      Hope this helps!

      Regards,
      Nikki

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