If you navigate your life at warp speed, you’ll love these 12 instant-approval credit cards with instant use. Instant approval isn’t unusual, but not all credit card companies allow you to use your card instantly. That’s a shame because when we need a card, we need it now! Am I right, people?
The cards reviewed here, for the most part, provide you with your actual card number instantly. This is separate from any temporary virtual account number issuers give you for added security. For example, you can instantly get your new card number from Capital One and then use Eno to generate a virtual account number.
What follows is each major credit card issuer’s policy on instant-use credit cards and their top offerings.
Capital One Cards You Can Use Instantly
You can use your Capital One card before it’s in your wallet, but there are strings attached. First of all, you must already be a cardmember with another Capital One Card. Second, you must download the Capital One mobile app.
Otherwise, you’ll have to wait about a week for your card to arrive in the mail. The only exception to these requirements is the Capital One Walmart Rewards® Mastercard®, which you can use instantly without preconditions.
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.99% – 29.99% (Variable)
|
$0
|
Excellent, Good
|
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.99% – 29.99% (Variable)
|
$0
|
Excellent, Good
|
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
20.99% – 28.99% (Variable)
|
$95
|
Excellent, Good
|
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.99% – 29.99% (Variable)
|
$0
|
Excellent, Good
|
If you qualify for instant use, you can open the mobile app to retrieve your new card number, security code, and expiration number. Now you are ready to make card-not-present purchases online, over the phone, and in-app.
Chase Cards You Can Use Instantly
Chase recently introduced Spend Instantly, which allows approved cardholders to use their new card right away. All they have to do is add their card to a supported digital wallet, including Apple Pay, Google Pay, and Samsung Pay.
You can use the Chase mobile app to connect the card to a digital wallet by following these steps. Below are our top-rated Chase cards that can be used instantly:
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 15 months
|
0% Intro APR on Balance Transfers 15 months
|
20.49% – 29.24% Variable
|
$0
|
Good/Excellent
|
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% – 29.24% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee – You won’t have to pay an annual fee for all the great features that come with your Slate Edge℠ card
- Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
- Member FDIC
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 18 months
|
0% Intro APR on Balance Transfers 18 months
|
20.49% – 29.24% Variable
|
$0
|
Good/Excellent
|
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
21.49%-28.49% Variable
|
$95
|
Good/Excellent
|
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™; Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
22.49%-29.49% Variable
|
$550
|
Good/Excellent
|
Not all Chase cards qualify for instant use. According to Chase, “Please note, at this time IHG Rewards Club Traveler, IHG Rewards Club Premier, Aeroplan, Chase Freedom Flex, Amazon, Amazon Prime, Disney, Disney Premier, and Business credit cards cannot be added to a digital wallet upon card approval. However, once you receive your physical card you can add it to a digital wallet.”
Bank of America’s Instant-Use Policy
Bank of America offers instant card approval and use to existing customers who open a new card via the Bank of America mobile app. Upon approval, you will be able to upload your credit card number to your digital wallet.
Instant use isn’t available for Bank of America cards you apply for online. The one exception to this rule is the Alaska Airlines Visa® Credit Card, which lets you book flights on Alaska Airlines right away.
Discover’s Instant-Use Policy
While Discover offers immediate preapproval, its current instant-use policy is to just say no — none of its credit cards offer this feature. That’s too bad because Discover credit cards are some of our top choices. Discover dispatches credit cards through priority mail, getting the card to new cardmembers in about five days.
Citi’s Instant-Use Policy
Citi credit cards no longer provide instant use. Citi does continue to issue virtual credit card numbers (on selected cards) that you can use for card-not-present transactions. By issuing temporary account numbers, Citi makes card theft almost impossible.
There are reports that you may be able to use the new Citi Custom Cash® Card instantly upon approval, but you won’t know if you’re eligible to immediately use the card until after you apply.
Wells Fargo’s Instant-Use Policy
Wells Fargo does not currently allow instant use on any of its credit cards. You have to activate the card to use it, and you can’t activate it until it arrives in the mail. Once received, you can load any Wells Fargo card number into a digital wallet to generate virtual card numbers.
What Is an Instant Approval Credit Card?
Instant approval is a misnomer. The cards in this review offer instant decisions because no credit card company can guarantee that every credit card application will be approved. They can guarantee their best efforts to render a decision immediately based upon the information at hand.
The fact is that most cards today offer instant decisions. Occasionally, an issuer may notify you that it needs additional information before approving your credit card application. There can be several reasons for a delay, including:
- Inability to verify information: One of the first things an issuer does is verify the data on your application. Red flags will go up if it can’t verify your address or Social Security number. This kind of problem is easy to clear up if it was due to a typo.
- Inability to verify income: Income is an important factor for credit card approval, as card providers want some assurance that you’ll be able to pay your bills on time. Often, the best an issuer can do is see whether the income you entered is reasonable, given the information in your personal credit file concerning your job. In some cases, you may have to provide documentation, usually in the form of a pay stub or tax return.
- Borderline credit: Many credit cards have a minimum credit score requirement, but there is usually a little wiggle room for borderline cases. If you have a low credit score, the issuer may need to assign a human to evaluate your application. Most card decisions are automated, so assigning people to the task is bound to take more time.
- Frozen credit reports: You can freeze your credit reports at each credit bureau to protect your personal credit history against identity theft and fraud. That’s a prudent thing to do, but it will prohibit an issuer from pulling your credit report. You will have to thaw your credit history at the credit bureau, at least temporarily, before the issuer can approve your application.
- Restrictions on the number of cards you own: Many issuers limit how many of their credit cards you can own at one time. For example, Discover won’t let you own more than two of its cards. Chase has its 5/24 Rule that limits you to five new cards (from any issuer) within a 24-month period. You may be turned down for simply having too many recent hard pulls of your credit because applying for a lot of credit all at once can indicate financial distress.
- Overflowing demand: Card issuers occasionally find themselves with runaway hits. It could be due to the introduction of a new card or a new promotion on an existing card, such as a special signup bonus or 0% introductory APR. When this happens, card providers may temporarily halt new approvals, or at least slow down approvals to a trickle as it processes new applications.
Some of these problems can be handled through credit card preapproval, a step offered by most credit cards. Preapproval requires a limited amount of information, and receiving a positive response doesn’t guarantee your full application will be approved.
The good thing about credit card preapproval is that it won’t hurt your credit score because issuers normally don’t do a hard pull of your credit during this step. A hard credit inquiry can lower your score by five to 10 points and is usually postponed until you submit your full application.
Of course, you know (or can easily find out) your credit score, and it should inform your choice of which credit cards to apply for. If your score is average or better, you can probably be approved for most credit cards.
Fair credit or worse limits your choices to second- and third-tier credit cards for folks with low scores. Cards for fair or bad credit may suffer from several shortcomings, including sparse benefits, high interest rates, and multiple nuisance fees.
If you are in decision limbo, be patient. The issuer will almost surely give you an answer within a few days. If not, contact the issuer to see where the problem is. It’s not a good idea to apply for another card before receiving a decision on your initial application, as it could hurt your chances of getting either card.
Can I Use My Credit Card Immediately Upon Approval?
Do not assume that instant approval means instant use of your credit card. As described above, certain issuers (e.g., Discover, Citi, Wells Fargo) have a blanket rule against instant use, and other credit card companies may only offer it for selected cards.
If your new card doesn’t offer instant approval, you’ll have to wait for it to appear in your mailbox, usually in seven to 10 days. Some issuers routinely expedite card distribution, which can cut the waiting time in half.
If your card does offer an instant credit card number, you’ll be given an account number you can use to make card-not-present purchases — online, over the phone, or in-app. Sometimes the account number will be the real one for your card, whereas some cards may offer you a temporary virtual number you can use until the card arrives.
In some cases — usually for co-branded cards — immediate use is limited to the issuing brand, be it a merchant, airline, gas station, or hotel chain. Other cards give you free rein to instantly use your card anywhere it’s accepted.
You may be able to make in-store purchases before you receive your credit card if the card works with one or more digital wallets. Many stores are joining the bandwagon and accepting digital wallets in the check-out line.
If you are allowed instant use of your new card, make sure you understand any restrictions on where you can use it or how much credit you have access to. Sometimes, the issuer will provide you only limited credit until you register the physical card, and many will not permit cash advances or balance transfer transactions until then.
How Do I Get an Instant Virtual Credit Card?
Not all instant cards are virtual, and not all virtual cards are instant. To be clear, you can use an instant credit card number before you receive the physical card. A virtual card features temporary or virtual credit card numbers with limited use in terms of time and/or merchant.
The first step in getting a new credit card with a virtual number is being approved for the card. Once that happens, you may be able to use the new credit card virtually through two different procedures:
- Virtual account numbers provided by the card issuer: For selected cards, Capital One will issue you virtual account numbers upon request via its Eno browser extension. Once you install the extension, Eno will pop up when you are making an online purchase, allowing you to create and save a merchant-specific virtual card account. When you receive your monthly statement, the eligible purchases made with each virtual account number will be called out for easy recognition.
Citi allows you to enroll in a similar service for some of its credit cards. You then visit the Citi website each time you want a virtual card number. You can use Citi virtual accounts for online and over-the-phone purchases. Citi virtual account numbers persist until you cancel them.
Many American Express cards provide instant virtual card numbers that you can use until the physical card arrives. Getting a virtual account number is as simple as contacting Amex customer service.
Some co-branded store card examples that offer instant virtual card numbers include Amazon, Walmart, Target, and Apple Card store card co-brands.
- Virtual account numbers from digital wallets: A digital wallet is a mobile app that lets you store account information. You can use it instead of credit cards at participating stores. Most digital wallets, including those from Google, Apple, and Samsung, store a token on your device instead of your credit card account number. The token is a virtual account number that replaces your real card number at the time of purchase.
The four payment networks (American Express, Discover, Mastercard, and Visa networks) have jointly developed the Click-to-Pay program that allows any credit card to be added to any digital wallet. Look for the Click-to-Pay logo when checking out in-store or online — you can complete your purchase using a random token generated by the digital wallet.
The advent of digital wallets has made virtual account numbers commonplace. Still, these numbers are immediately usable only if the credit card company is willing to provide you with your credit card information before you physically receive your card.
What Is the Easiest Instant Credit Card to Get?
In general, a secured credit card is the easiest credit card to get, and some secured card offerings may be available for instant use. Our pick for the easiest-to-get instant secured credit card is the Capital One Platinum Secured Credit Card.
- No annual or hidden fees. See if you’re approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
30.49% (Variable)
|
$0
|
Limited, Bad
|
You can get this secured card even if your credit score is bad because you must make a security deposit. The initial credit limit is $200, although you may be allowed to deposit less than this amount when first opening the card. You can start with a higher credit limit by depositing more money when opening the account.
Of course, no instant approval card is easier to get than a prepaid card. However, a prepaid card is not a credit card — rather, it is more like a debit card.
How Long Does It Take to Get the Card Once Approved?
Most cards will arrive in seven to 10 days after your application is approved. It’s in the card issuer’s interest to get the instant approval card into your hands as soon as possible, but the benefit must be weighed against the cost of expedited shipping.
The following chart summarizes shipping times by issuer:
Discover offers the fastest standard shipping. However, Bank of America, Capital One, and Chase all offer free expedited shipping for most cards — but only by request.
Are There Business Credit Cards That Offer Instant Use?
We have identified two business credit cards that offer instant approval and use: the Southwest® Rapid Rewards® Premier Business Credit Card and the Business Platinum Card® from American Express. These are all excellent credit card choices for business owners who need a decision — and a business credit card — right away.
You can use the Amex card immediately after approval anywhere Amex is accepted, but the Southwest® Rapid Rewards® Premier Business Credit Card can only be immediately used with Southwest Airlines.
Research Instant-Approval Credit Cards With Instant Use
Our roundup of instant approval credit cards with instant use reveals a surprisingly rich landscape of choices for consumers with the need for speed. You can quickly apply for any of these cards by clicking on the APPLY NOW links in the summary boxes.
The rules for creditworthy behavior are the same, whether you can start using your card within minutes of approval or you have to cool your heels for a week or longer. If you pay your bills on time, keep your debt under control, and refrain from opening too many credit cards at the same time, you’ll be well on your way to an excellent credit score and, hopefully, a bright future.
Final Notes on “8 Instant-Approval Credit Cards with Instant Use (Sep. 2023)“
We hope this guide “8 Instant-Approval Credit Cards with Instant Use (Sep. 2023)” has been a helpful resource for you in learning more about your financial options. In this guide, we’ve covered:
- Capital One Cards You Can Use Instantly
- Chase Cards You Can Use Instantly
- Bank of America’s Instant-Use Policy
- Discover’s Instant-Use Policy
- Citi’s Instant-Use Policy
- Wells Fargo’s Instant-Use Policy
- What Is an Instant Approval Credit Card?
- Can I Use My Credit Card Immediately Upon Approval?
- How Do I Get an Instant Virtual Credit Card?
- What Is the Easiest Instant Credit Card to Get?
- How Long Does It Take to Get the Card Once Approved?
- Are There Business Credit Cards That Offer Instant Use?
- Research Instant-Approval Credit Cards With Instant Use
To learn more about options not mentioned here, be sure to check out other popular reviews from our team of experts:
- Air miles credit cards
- Balance transfer credit cards
- Cash back credit cards
- Prepaid debit cards
- Secured credit cards
We also encourage you to check back at this URL regularly, as we update the offers listed in “8 Instant-Approval Credit Cards with Instant Use (Sep. 2023)” and other guides on a daily basis.
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Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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