27 Best Same-Day Credit Cards for 2018

27 Best Same-Day Credit Cards for 2018

credit card advice

Ashley Dull
By: Ashley Dull
Posted: June 20, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

With the rise of digital technology, it seems as though everything has gotten faster and more immediate. Not only can you get movies and music instantly from anywhere, but you can have everything from food to furniture delivered in less than an hour in most major cities.

Given that so much can be obtained so quickly, it’s natural to want the same results when you apply for a new credit card. At the very least, you’d expect same-day shipping, right?

But while you can often get same-day approval, only a handful of issuers offer same-day card numbers for instant use. You may need to settle for the next best thing and go for expedited shipping to get your hands on your card in a hurry.

Approval | Card Numbers | Next Best Thing

You Can Typically Get Same-Day Approval

Online applications have transformed the credit card process, and most online applications can be completed and receive a decision in less than five minutes. In some cases, however, the online platform may not be able to make a decision, which can add days or weeks to your response time.

Where your credit falls in the credit score range can have a big impact on your ability to be approved for a card — and the speed with which your application gets a response. You can improve your chances of a quick credit card application approval by choosing cards that tend to approve applicants with credit profiles similar to your own.

Good Credit | Fair Credit | Bad Credit | No/Limited Credit

Best Cards for Good Credit

Applicants with good credit or better are often the most likely to receive a near-instant online decision in their favor. At the same time, be careful not to apply for cards that require excellent credit if your score is on the lower end of the “good” spectrum.

Our favorite cards for good credit include options for cash back and travel rewards, as well as a few good intro-APR offers. Plus, many will come without any costly annual fees.

Discover it® Cash Back Review

at Discover Card'ssecure website

GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.74% - 24.74% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.74% - 25.49% Variable
$0
Excellent/Good
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.74% - 25.49% Variable
$0
Excellent/Good

+See More Cards for Good Credit

Best Cards for Fair Credit

With fair credit, your ability to qualify for a credit card may depend more on the specifics of your credit profile, rather than simply your score itself.

Applying for cards that are marketed to those with fair credit can be the easiest way to avoid a nerve-racking “pending” notice when your application needs the human touch.

Our top cards for fair-credit applicants include a mix of entry-level prime cards as well as subprime card options.

FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited
FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Unsecured Visa® for Rebuilding Credit Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.0/5.0
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 25.49% Variable
$0 - $99
Fair

+See More Cards for Fair Credit

Best Cards for Bad Credit

If your credit reports house the red flags of bad credit, you’ll still often get a quick response to your applications — it just may not be a good response.

Instead of wasting hard inquiries on cards you simply can’t qualify for, focus on cards designed for those with bad credit who need to rebuild. Our top-rated picks include both unsecured and secured options to help you get back on track.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit
BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad
First PREMIER® Bank Mastercard® Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.5
OVERALL RATING
4.0/5.0
  • Checking account required
  • Application response in 30 seconds
  • Know the score! Quarterly FICO score on your monthly billing statements
  • All credit types welcome to apply
  • Your First PREMIER Bank credit card activity is reported to the Consumer Reporting Agencies each month. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See issuer website
See issuer website
Bad Credit

+See More Cards for Bad Credit

Best Cards for No/Limited Credit

It takes at least six months of credit history for most credit scoring models to produce a credit score, which means potential issuers can’t judge your credit risk until you build up your credit profile.

For many, the best way to get around a limited credit history is to apply for entry-level cards with more flexible requirements. Many of our favorite options won’t even charge an annual fee.

NO/LIMITED CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited
Discover it® Student Cash Back Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.5/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.74% - 23.74% Variable
$0
Fair
Discover it® Student chrome Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.6
OVERALL RATING
4.0/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.74% - 23.74% Variable
$0
Fair

+See More Cards for No/Limited Credit

Some Issuers Allow Same-Day Card Use

Provided you apply online, many credit card issuers can provide same-day approval, but only a handful of companies will give you the ability to use your card the same day you’re approved.

In general, you won’t be able to get your physical credit card the same day you’re approved. That said, some cards can be used same-day to make purchases, no physical card necessary.

Capital One | American Express | Stores

Best Capital One Cards

From start to finish, your online Capital One credit card application can be completed in only a few minutes, with responses often provided nearly right away.

If you’re approved for a Capital One card, you can typically gain access to your card’s information, including the card number and expiration date, immediately after setting up your online account.

Reports indicate that you’ll need to download and log into the Capital One mobile application to access the information for your new Capital One credit card.

EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
4.8/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.74% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • 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
  • 0% intro APR on purchases for 15 months; 16.24%-24.99% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-24.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
16.24% - 24.99% (Variable)
$0
Excellent, Good

+See More Capital One Cards

Best American Express Cards

When you apply for an American Express credit card online, you’ll generally get a response in just a few minutes. If approved, you may be given the option to access temporary credit card information that can be used same-day to make purchases with your new account.

Keep in mind that not every American Express card will offer the option for same-day use. Also, with no physical card, it’s unlikely you’ll be able to use your temporary card information to make in-store purchases.

Additionally, the temporary card information you are offered will likely not be the same as your permanent card information (i.e., you may have a different security PIN and/or expiration date), so avoid setting up any recurring payments with your temporary information.

16. Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express provides a hard-to-beat rewards package, including 6% cash back on grocery purchases (once you have your physical card in hand, that is; only digital purchases can be made with your temporary information).

Blue Cash Preferred® Card from American Express

  • Earn 6% cash back at US supermarkets on up to $6,000 per year in purchases
  • Earn 3% cash back at US gas stations and US department stores
  • Earn 1% cash back on all other purchases

Spending $32 a week in grocery purchases with your Blue Cash Preferred® card will let you break even on the $95 annual fee, so don’t let a high fee scare you off from potential rewards.

17. Platinum Card® from American Express

The Platinum Card® from American Express is a good travel card that can often be used to make online hotel or airline purchases before you’ve even received your physical card.

American Express Platinum Card

  • Earn 5X Membership Rewards® points per $1 on flights/hotels booked directly with the airline/hotel or American Express Travel
  • Receive up to $200 in Uber credits per year
  • Receive a $200 airline fee credit each year

The Platinum card’s high $550 annual fee becomes a lot more reasonable for those cardholders who travel enough to get the most out of the card’s travel credits.

18. Amex EveryDay® Preferred Credit Card

While the Amex EveryDay® Preferred Credit Card has great bonus categories for everyday use, remember that you won’t be able to use your card in-store unless you have the physical card in hand.

Amex EveryDay Credit Card

  • Earn 3X points per $1 spent at US supermarkets on up to $6,000 in purchases per year
  • Earn 2X points per $1 spent at US gas stations
  • Pay $95 annual fee

This card can be fairly lucrative for consumers who use their card frequently, as cardholders can earn 50% extra points on purchases after making 30 card purchases in a billing period.

Best Store Cards

Store credit cards are some of the easiest same-day cards to use. Store cards are often offered during the checkout process, either by a helpful internet pop-up or as part of a well-rehearsed speech from your cashier.

In most cases, you can apply on the spot and receive an almost-immediate response. If you’re approved, you’ll typically be given the option to place your current purchase on the card right away.

Additionally, many stores can look up your credit card information through your account and charge items without needing the physical card present. This can allow you to use the card account repeatedly before your physical card ever shows up.

19. Home Depot Consumer Credit Card

With the Home Depot Consumer Credit Card, you can not only finance that important home improvement purchase right away, but if your purchase is $299 or more, you can also take advantage of special financing.

Home Depot Consumer Credit Card

  • Receive special financing on Home Depot purchases of $299 or more made with your card
  • Get exclusive product-specific and seasonal offers
  • Pay no annual fee

As with many special financing deals, the Home Depot Consumer Credit Card charges deferred interest. This means you’ll be charged interest on your entire purchase amount if you don’t pay your full balance before the end of your financing period.

20. Target REDcard

Whether you apply in-store or online, the Target REDcard can typically be used as soon as you’re approved to make those necessary Target purchases.

Target REDcard

  • Get 5% off your total purchase at checkout for eligible in-store or online Target purchases
  • Receive exclusive deals & discounts
  • Pay no annual fee

Perhaps the best part of the Target REDcard’s 5% discount is that you can stack it with both manufacturer coupons and Target coupons and promo codes to really save big.

21. Amazon.com Store Card

Same-day card use and one-day (or even one-hour, depending on where you are) shipping can be a useful combo, and the Amazon.com Store Card can offer both. The card itself doesn’t have an annual fee but you’ll need to pay a fee to become an Amazon Prime member.

Amazon.com Store Card

  • Receive special financing on eligible Amazon.com orders of $149 or more made with your card
  • Amazon Prime members also get 5% cash back on Amazon purchases
  • Pay no annual card fee

While the special financing offer can be handy, beware of the Amazon.com Store Card’s deferred interest. Pay off your entire balance before the end of the financing period to avoid being charged interest on your full purchase amount.

+See More Store Cards

Overnighting Your Card is the Next Best Thing

The typical turnaround from approval to receipt of your new card is between seven and 10 days, which covers the time to both make and ship your card.

Outside of those cards you can use same-day sans-card, the next best thing for those who need quick use of their cards is likely having your physical card sent via expedited shipping.

Overall, many issuers don’t offer expedited shipping for new cards, and those that do often charge a fee for the service. That is, except for the issuers below, which will expedite your new card without a lot of hassle — or extra fees.

Discover | Chase

Best Discover Cards

With a simple online application, Discover credit card applicants can often get a response in minutes.

The absolute easiest card to have expedited to you in most cases will be a new Discover card. That’s because Discover actually expedites new cards as a matter of course, no request — or fees — required.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.74% - 24.74% Variable
$0
Good/Excellent
Discover it® Balance Transfer Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.74% - 24.74% Variable
$0
Good/Excellent
Discover it® Miles Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
13.74% - 24.74% Variable
$0
Good/Excellent

+See More Discover Cards

Best Chase Cards

You can apply for a Chase credit card online or in your local branch, with the same quick application process that will often provide a response in minutes.

Regardless of where you apply, however, you’ll still need to wait to use your new card until it actually shows up. You can request that Chase expedite your new card if you’re in a hurry, a service that Chase will provide for free.

EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.74% - 25.49% Variable
$0
Excellent/Good
EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.74% - 25.49% Variable
$0
Excellent/Good
EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best Rewards Card for Small Business Owners" by Kiplinger's Personal Finance, July 2017
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 12 months
0% Intro APR on Balance Transfers for 12 months
14.99% - 20.99% Variable
$0
Excellent Credit

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Start Shopping Right Away with a Same-Day Card

Whether you want gourmet chocolates, a five-piece patio set, or a new pet fish, you can get almost anything delivered to your doorstep in the practical blink of an eye — including your credit card, if you choose the right one.

However, don’t be too quick to load up your new card if it hasn’t even hit your mailbox yet. Until you have your card in hand and your online account established, it may be difficult to make a payment, which may mean trouble if something happens to your card in transit.