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An instant approval credit card could give you an immediate response as to whether you’re approved or denied for a credit card. But that doesn’t mean you’re guaranteed instant approval or even approval with this type of card.
Most major credit card issuers provide opportunities for instant approvals through their online card applications. And some issuers may also provide ways to immediately receive your card details if you’re approved, which is a way to start using your card before the physical version arrives in the mail.
Let’s explore the best instant approval credit cards to help you decide the best option for you.
In this article
- Key takeaways
- The best instant approval credit cards
- Comparison of the best instant approval credit cards
- How to use an instant approval credit card
- FAQ about instant approval credit cards
- Best instant approval credit cards: bottom line
- Methodology
Key takeaways
- Most major credit card issuers provide instant approvals, but that doesn’t mean your applications will be instantly approved every time. In some cases, you might have to wait for further review. You could also be denied when you apply, or after the review.
- Instant approvals don’t always mean instant card access. Some issuers let you use your card right away by giving you access to its information, while others require you to wait to receive the physical card in the mail to begin using it.
- American Express and Chase are two of the best card issuers who provide ways to use your new credit cards immediately after approval.
The best instant approval credit cards
- Chase Sapphire Preferred® Card
- Wells Fargo Active Cash® Card
- Ink Business Cash® Credit Card
- Capital One Venture Rewards Credit Card
- Blue Cash Preferred® Card from American Express
- Citi Custom Cashâ„ Card
- Bank of America® Travel Rewards credit card
- U.S. Bank Altitude® Connect Visa Signature® Card
Comparison of the best instant approval credit cards
| Credit card | Welcome offer | Earning rate | Annual fee |
| Chase Sapphire Preferred® Card | Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening | 5X points on travel purchased through Chase Ultimate Rewards®; 3X points on dining, select streaming services, and eligible online grocery purchases; 2X points on all other travel purchases, and 1X points per $1 on all other eligible purchases | $95 |
| Wells Fargo Active Cash® Card | Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months | Earn 2% cash rewards on purchases | $0 |
| Ink Business Cash® Credit Card | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening | 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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases | $0 |
| Capital One Venture Rewards Credit Card | Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening | 2 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel | $95 |
| Blue Cash Preferred® Card from American Express | Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months | 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases | $0 intro annual fee for the first year, $95 per year thereafter (Terms apply) |
| Citi Custom Cashâ„ Card | Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening | 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back), plus unlimited 1% cash back on all other purchases | $0 |
| Bank of America® Travel Rewards credit card | Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per $1 spent on all purchases | $0 |
| U.S. Bank Altitude® Connect Visa Signature® Card | Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening | 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases | $95 (waived first year) |
Chase Sapphire Preferred® Card
| Pros | Cons |
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We recommend the Chase Sapphire Preferred as one of the best travel credit cards available because of its many excellent perks and benefits. The Chase Sapphire Preferred has a $95 annual fee.
Chase is one of the issuers that may deliver an instant decision on whether or not you qualify for a card. This means that after you apply for the Chase Sapphire Preferred, you may receive instant approval, instant denial, or pending status – where your application requires further review.
Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards rate: Earn 5X points on travel purchased through Chase Ultimate Rewards®; 3X points on dining, select streaming services, and eligible online grocery purchases; 2X points on all other travel purchases, and 1X points per $1 on all other eligible purchases.
Why we like the Chase Sapphire Preferred
The Chase Sapphire Preferred is a great credit card for travelers, whether you travel frequently or only occasionally. Its $95 annual fee makes it relatively easy to hold onto this card year after year, especially if you’re able to take advantage of its many perks and benefits.
This includes using its $50 annual statement credit for hotels booked through Chase Ultimate Rewards and taking advantage of the 25% redemption bonus for travel booked through Chase Ultimate Rewards. That redemption bonus can come in handy if you combine Chase Ultimate Rewards points by pairing multiple Chase credit cards.
What we don’t like about the Chase Sapphire Preferred
There’s a $95 annual fee, which isn't as high as some other travel credit cards, but it isn’t $0. That said, we believe the benefits and rewards you earn with the Sapphire Preferred are often more than enough to offset the annual cost.
Another downside is not having any intro APR offers or premium travel benefits, such as airport lounge access.
Learn more in our Chase Sapphire Preferred review.
Wells Fargo Active Cash® Card
| Pros | Cons |
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The Wells Fargo Active Cash makes sense if you want a simple, cash rewards credit card.
Wells Fargo may offer an instant decision when you submit a credit card application. This means you could receive an approval or denial decision within minutes of submitting your application. Remember, just because they offer a chance of receiving an instant decision doesn’t guarantee you will be approved.
Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Rewards rate: Earn 2% cash rewards on purchases.
Why we like the Wells Fargo Active Cash
There’s nothing complicated about the Wells Fargo Active Cash. If you want to carry only one card in your wallet at a time, this could easily be that card.
The Active Cash also provides cell phone protection and these introductory APR offers:
- 0% intro APR for 15 months from account opening on purchases (then 19.99%, 24.99%, or 29.99% variable)
- 0% intro APR for 15 months from account opening on qualifying balance transfers (then 19.99%, 24.99%, or 29.99% variable)
What we don’t like about the Wells Fargo Active Cash
There aren’t any bonus categories, which means you can’t earn higher reward rates on certain purchases. This card might be simple to use, but you might discover it’s more rewarding to use multiple credit cards with higher rates for specific bonus categories.
Learn more in our Wells Fargo Active Cash review.
Ink Business Cash® Credit Card
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The Ink Business Cash might be a good fit if you have a business with expenses that align with its bonus categories.
Similar to its approach to consumer credit card applications, Chase may offer instant decisions when you apply for business credit cards. However, instant approval or denial decisions for Chase business credit cards might not be common. Instead, your application may require further review before you receive a decision.
Learn how to check your Chase application status.
Welcome offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Rewards rate: 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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases.
Why we like the Ink Business Cash
The bonus categories on the Ink Business Cash make it one of the most appealing rewards business credit cards available. Unless you’re a high-spending business, it’s tough to find a better return on such common business expenses.
You can also take advantage of this intro APR offer on purchases:
- 0% intro APR for 12 months on purchases (then 17.99% - 23.99% Variable)
What we don’t like about the Ink Business Cash
This isn’t the best card for international travel because you have to pay foreign transaction fees on applicable purchases. There’s also no intro APR on balance transfers.
Learn more in our Chase Ink Business Cash Credit Card review.
Capital One Venture Rewards Credit Card
| Pros | Cons |
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The Capital One Venture Rewards could make sense if you want a simple rewards rate for earning travel rewards on eligible purchases.
Capital One may give you an instant decision for credit card applications. According to the issuer, you might be able to find out if you are instantly approved or denied within 60 seconds when you apply for a Capital One credit card online or by phone.
However, your application may also require further review. In this case, you would need to wait for a number of days to receive the decision.
Welcome offer: Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening.
Rewards rate: Earn 2 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
Why we like the Capital One Venture Rewards
It doesn’t get much simpler than the Capital One Venture Rewards’ earning rate, making it easy to carry only one rewards credit card in your wallet.
What we don’t like about the Capital One Venture Rewards
You have to pay a $95 annual fee. Additionally, there aren’t many bonus categories for earning higher rates on specific purchases, and the Venture Rewards doesn’t have intro APR offers.
Learn more in our Capital One Venture Card review.
Blue Cash Preferred® Card from American Express
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The American Express Blue Cash Preferred makes sense if you want to earn high rewards rates on everyday expenses.
American Express may instantly decide whether you’re approved or denied for your credit card application. However, some applications may require further review.
If you get instantly approved, you might be able to get your credit card information, including its number and other information you need to use it. American Express may also allow you to add your credit card to digital wallets to be able to use it at eligible retail stores.
Welcome offer: Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months.
Rewards rate: Earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases.
Why we like the Amex Blue Cash Preferred
There aren’t many rewards cards that can compete with the earning potential of the Amex Blue Cash Preferred. This is especially true with the potential to earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services.
And you can take advantage of these intro APR offers:
- 0% intro APR for 12 months on purchases (then 18.99% to 29.99% (variable))
- 0% intro APR for 12 months on balance transfers (then 18.99% to 29.99% (variable))
What we don’t like about the Amex Blue Cash Preferred
There’s a limit to how many rewards you can earn with the highest bonus category. You also have to pay a $0 intro annual fee for the first year, $95 per year thereafter annual fee and foreign transaction fees on applicable purchases.
Learn more in our American Express Blue Cash Preferred review.
Citi Custom Cashâ„ Card
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The Citi Custom Cash card makes sense if you want to customize how you earn rewards on everyday purchases.
In some cases, Citi may provide an instant approval or instant denial of your credit card application. Your application may also require further processing or review.
Welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
Rewards rate: Earn 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back), plus unlimited 1% cash back on all other purchases.
Why we like the Citi Custom Cash card
Customizable cashback rewards give you some control over how you earn rewards each billing cycle, which is helpful if you frequently spend high amounts in different categories.
The Citi Custom Cash card also provides these intro APR offers:
- 0% intro APR for 15 months on purchases (then 18.99% - 28.99% (Variable))
- 0% intro APR for 15 months on balance transfers (then 18.99% - 28.99% (Variable))
What we don’t like about the Citi Custom Cash card
There’s a limit to how many rewards you can earn at the highest rate each billing cycle. You also have to pay foreign transaction fees on applicable purchases.
Learn more in our Citi Custom Cash Card review.
Bank of America® Travel Rewards credit card
| Pros | Cons |
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The Bank of America Travel Rewards makes sense if you want a simple card for earning points on all your eligible purchases.
This card makes even more sense if you’re a Bank of America Preferred Rewards member because you can boost your earning by up to 75%. To become a Preferred Rewards member, you need to have an active and eligible Bank of America checking account and a 3-month combined average daily balance of $20,000 or more between your Bank of America deposit accounts.
Sometimes, Bank of America may instantly approve or deny your credit card application. If you don’t get an instant approval or denial, you may have to wait for a decision after the issuer reviews your application.
Welcome offer: Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Rewards rate: Earn 1.5 points per $1 spent on all purchases.
Why we like the Bank of America Travel Rewards
The Bank of America Travel Rewards has a no-stress rewards rate, and you can boost your earning potential by 25% to 75% as a Bank of America Preferred Rewards member.
And intro APR offers on this card include:
- 0% intro APR for 18 billing cycles on purchases (then 17.74% - 27.74% Variable)
- 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days (then 17.74% - 27.74% Variable)
What we don’t like about the Bank of America Travel Rewards
There aren’t any bonus categories for higher earning rates on specific purchases. And becoming a Preferred Rewards member might not make sense for everyone, considering you need at least $20,000 in eligible deposits or investments to qualify.
Learn more in our Bank of America Travel Rewards credit card review.
U.S. Bank Altitude® Connect Visa Signature® Card
| Pros | Cons |
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The U.S. Bank Altitude Connect makes sense if you want an elevated earning potential on specific travel-related bonus categories.
U.S. Bank may make a decision on your credit card application instantly. This means you may receive an approval or denial right after filling out and submitting your application. However, the bank may need to further review your application before providing a decision in some cases.
Welcome offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening.
Rewards rate: Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases.
Why we like the U.S. Bank Altitude Connect
The U.S. Bank Altitude Connect provides excellent earning opportunities on bonus categories that make sense for frequent or occasional travelers. You can also take advantage of loads of additional perks and benefits, including cell phone protection, airport lounge access, and up to a $100 statement credit for Global Entry or TSA PreCheck every four years.
What we don’t like about the U.S. Bank Altitude Connect
You have to pay a $95 (waived first year) annual fee, and there aren’t any intro APR offers.
Learn more in our U.S. Bank Altitude Connect Visa Signature review.
How to use an instant approval credit card
An instant approval credit card is a type of credit card where you can be instantly approved after submitting your credit card application.
Instant approval credit cards don’t guarantee approval, as you could also be instantly denied. Your application could also require further review before ending up getting approved or denied. Applying for an instant approval credit card still typically requires a credit check into your credit history using one or multiple credit reports from major credit bureaus.
The best instant approval credit cards might be challenging to get if you have no credit, or poor, bad, or fair credit. Your chances of qualifying could be higher with a good or excellent credit score. A good credit score is at least 670, according to the FICO scoring model. Keep in mind that credit card issuers use several factors to determine your creditworthiness, so your credit score alone doesn’t guarantee approval.
Not every instant approval credit card provides you with card details immediately upon approval. In many cases, you have to wait until your physical card arrives in the mail before you can use it.
However, some card issuers provide instant credit card numbers or ways to add your new card to digital wallets so you can immediately start making purchases before the physical card arrives.
Can you immediately use your card with American Express?
In our experience, American Express is one of the best card issuers if you want to immediately start using your credit card after being approved.
In most cases, you can access a full credit card number and PIN after completing an online application and getting approved. You may also receive a welcome email with a link to access your instant card number. This makes it easy to immediately start shopping online since there’s no need for a physical card.
Another option to instantly access the information of American Express credit cards after approval is to add a new card to a digital wallet by manually entering your card details in the applicable app. Amex instant card numbers work with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, PayPal, and Amazon Pay.
American Express states that its instant card numbers are available for American Express consumer credit and charge cards. So that means you might not be able to get an instant card number for an American Express business card. However, we were ab;e tp receive instant card numbers for the Amex business cards in our experience.
Can you immediately use your card with Chase?
With certain Chase credit cards, you can immediately start using your card before it arrives in the mail. This is primarily through the use of digital wallets, including Apple Pay, Google Pay, and Samsung Pay.
After you get approved for an eligible Chase credit card, you can use the Chase mobile app to add your new card to an available digital wallet. You simply have to log into your card account, select your card, and then add it through the “Digital Wallets” section of “Account Services.”
Note that this method isn’t quite as flexible as American Express’s instant card numbers, because not all retailers accept digital wallets.
Can you immediately use your card with Capital One?
Capital One provides a few ways to start using new Capital One credit cards right away. But keep in mind that not every new Capital One cardholder will receive instant access to their card after approval.
In some cases, you might receive an instant card number immediately after approval. If not, it might show up after you log into your online account. You also might be able to link your new Capital One credit card to PayPal through your online account before you receive the card in the mail.
However, these methods don’t always work, and you might have to wait to receive your physical card in the mail before you can use it.
Can you immediately use your card with Citi?
Some reports indicate that Citi may provide instant card numbers following instant approval. This may apply to some, but not all, Citi credit cards.
This was also our personal experience with this credit card issuer. However, keep in mind that you get only one chance to view and save this number and other relevant information.
Can you immediately use your card with U.S. Bank?
After receiving instant approval for a U.S. Bank credit card, we were able to view the card number and other relevant information through the U.S. Bank mobile app. This matches reports of instant credit card numbers being provided by this credit card issuer.
The app also allowed us to add the card to digital wallets. However, the only option available was PayPal. However, using the credit card information, we were able to use it for online purchases until the physical card arrived in the mail.
Can you immediately use your card with Wells Fargo?
While Wells Fargo may provide an instant decision for your credit card application, it doesn’t typically offer instant credit card numbers or other methods of using your credit card before receiving it in physical form.
Can you immediately use your card with Bank of America?
Bank of America may occasionally offer an instant card number and relevant information to some applicants after they get instantly approved for certain credit cards. However, there is no guarantee that you will actually receive instant access to your card.
FAQ about instant approval credit cards
Can you be immediately approved for a credit card?
You might be able to, depending on the credit card issuer, your specific application, and various other factors. The best credit cards typically provide the opportunity to receive instant approval through online applications. However, this opportunity doesn’t guarantee that you’ll be approved. You also might receive an instant denial, or your application might require further review before getting approved or denied.
Which credit card company gives you instant card numbers?
American Express is our recommended credit card issuer for providing instant card numbers and information after being approved for a credit card. You can typically receive an instant card number immediately after being approved, which means you can start using your credit card online or through digital wallets before the physical card shows up.
Can I get a physical credit card on the same day I apply?
You typically can’t receive a physical credit card on the same day you apply and get approved. If you are approved, it could take 3 to 5 business days or more for your physical card to be created and mailed out. Some credit card companies provide expedited shipping, but that can still take a few business days.
Best instant approval credit cards: bottom line
Instant approval credit cards are common, especially from major credit card companies, including American Express, Chase, and Capital One. But that doesn’t mean you’re guaranteed instant approval or approval at all, as you could still be denied, either instantly or after a review.
If you receive instant approval, you might also have the opportunity to immediately receive your card details, depending on the credit card issuer. This can help you use your card before the physical version arrives.
Learn more about different credit card offers and compare credit cards to find the right option for you.
Methodology
To determine the best credit cards that may offer instant approval, we researched major credit card issuers and analyzed their approval processes. We also examined the main features and benefits of various credit cards offered by these credit card issuers.
Once we compiled a list of instant approval credit cards, we evaluated each card based on several key factors, including its welcome offer, earning rate, annual fee, and more. We also considered the overall value of each card in terms of its benefits and costs.
It is important to note that our analysis is based on publicly available information and subject matter expertise in the credit card industry. Keep in mind that our recommendations do not include all available instant approval credit cards, and we did not rank the cards in any particular order.
Our recommendations are meant to offer a starting research point and to provide helpful information on a selection of instant approval credit cards that may be suitable for various people.
Lucrative, Flat-Rate Cash Rewards
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
Apply Now
Rates and fees
Current Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Rewards Rate
Earn 2% cash rewards on purchases
Benefits and Drawbacks
Benefits
- $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- Intro APR on purchases and balance transfers
- $0 annual fee
Drawbacks
- Has foreign transaction fee
- No bonus categories
Card Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
FAQs
Which card is easiest to get approved for? ›
| Credit Card | Best For | Editor's Rating |
|---|---|---|
| OpenSky® Plus Secured Visa® Credit Card | Easiest to Get | 4.5/5 |
| First Progress Platinum Elite Mastercard® Secured Credit Card | No Bank Account | 3.7/5 |
| Petal® 2 Visa® Credit Card | No Annual Fee | 5/5 |
| Fingerhut Credit Account | Online Shopping | 4.7/5 |
- Top credit cards you can use instantly after approval.
- Blue Cash Preferred® Card from American Express.
- Chase Sapphire Preferred® Card.
- Bank of America® Premium Rewards® credit card.
- Amazon Prime Rewards Visa Signature Card.
- Unitedâ„ Explorer Card.
- SoFi Credit Card.
- Other notable options.
- American Express. An instant card number upon approval of a new account is available on all American Express credit cards. ...
- Chase (Use “Spend Instantly” Feature) Chase credit cards offer a “Spend Instantly” feature as part of its Chase Mobile app. ...
- Bank of America. ...
- Bank of Missouri. ...
- Barclays. ...
- Citi. ...
- Goldman Sachs. ...
- HSBC.
Can I get a credit card with a 500 credit score? Yes, you can get a credit card with a 500 credit score, though your options will be limited to secured credit cards and unsecured credit cards for bad credit. The best credit card for a 500 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card.
Can I get a Walmart credit card with a 520 credit score? ›The Walmart Credit Card credit score requirement is 640 or higher, which means people with fair credit or better have a shot at getting approved for this card. The Walmart® Store Card also requires at least fair credit for approval.
Can I get an unsecured credit card with a 500 credit score? ›Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit.
Is there such a thing as an instant credit card? ›If you don't want to wait for your new card to arrive in the mail, consider an instant-use credit card. Once you're approved, the card issuer might share your account information so you can shop online. Or, you may be able to add the card to a digital wallet and use the card for in-store purchases.
Which bank issues credit card fast? ›1. HDFC Bank instant approval credit card. HDFC Bank credit cards are not only 100% secure, but they also provide instant activation and ownership.
What is the lowest credit score to get credit card? ›There is no minimum credit score needed for a credit card. Even borrowers with poor credit (a score of 300) or no credit card at all can qualify for some credit cards. However, options for bad-credit borrowers are limited and usually come with a high annual percentage rate (APR) and fees.
What cards give you an instant card number? ›There is one card that consistently offers instant access to your card number, however: the Capital One Walmart Rewards® Mastercard®. The information for the Capital One Walmart Rewards card has been collected independently by The Points Guy.
How do I get a free virtual credit card number? ›
- Get a credit card. ...
- Log into your online credit card account and go to your account settings. ...
- Download the virtual card issuer's app to access the card number, if need be. ...
- Accept the 16-digit virtual credit card number that's generated for you.
Burner cards are single-use virtual payment cards that can help you reduce the risk of online shopping fraud. In other words, it's a virtual card that expires automatically after the transaction, which makes it ideal for one-time expenses. A burner card can be a virtual credit card or virtual debit card.
What credit card can I get with a 512 score? ›- Best Overall: Discover it® Secured Credit Card.
- No Credit Check: OpenSky® Secured Visa® Credit Card.
- Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
- Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.
The best type of credit card for a 530 credit score is a secured credit card. Secured cards give people with bad credit high approval odds and have low fees because cardholders are required to place a refundable security deposit.
What credit score do you need for a Walmart card? ›You need a credit score of 640 or higher to qualify for a Capital One Walmart Rewards® Mastercard®. This implies that those with average to exceptional credit are more likely to get approved for the Walmart Credit Card.
What credit score do you need for an Amazon card? ›Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.
What credit score do you need for a Lowes credit card? ›The credit score that you need for the Lowe's Store Card is 640, at a minimum. That means people with at least fair credit have a shot at getting approved for this card.
What credit score do you need for a Walgreens credit card? ›| Customer Type | Personal |
|---|---|
| Employment Statuses Considered | Other Employed Full-Time Employed Part-Time Self-Employed Retired |
| Immigration Status Considered | U.S. Citizen U.S. Permanent Resident |
| Checking Account Required | |
| Credit Score Range | 300 - 850 850 300 |
- Best Overall: Discover it® Secured Credit Card.
- No Credit Check: OpenSky® Secured Visa® Credit Card.
- Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
- Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.
What credit card can I get with a 550 to 600 credit score? ›
Capital One Platinum Secured Credit Card
The is an excellent secured credit card for people with 550-600 credit scores largely because of its low minimum opening security deposit. A $49 security deposit will instantly grant a $200 credit line.
- Apply online. This is the fastest way to get your application to the issuer.
- Apply for cards below your range. ...
- Check for pre-approval. ...
- Look for instant use cards. ...
- Request expedited shipping. ...
- Call the issuer.
Citi Quick Cash allows you to draw down an amount from your Credit Card in the form of a cash advance. That cash amount can be provided to you in the form of a cheque or by electronic funds transfer to your nominated bank account (including Other Bank Accounts) subject to a cash advance fee.
What is a random credit card generator? ›A Credit card number generator is a tool that allows you to generate random credit card Number conveniently. Credit Card Number Generator generates valid credit card numbers with all required details, such as name, address, expiration date, CVV code, and security code (PIN).
What credit card company does not do hard inquiry? ›| Credit Card | Annual Fee | Min. Deposit |
|---|---|---|
| OpenSky® Plus Secured Visa® Credit Card | $0 | $300 |
| OpenSky® Secured Visa® Credit Card | $35 | $200 |
| First Progress Platinum Elite Mastercard® Secured Credit Card | $29 | $200 |
| First Progress Platinum Select Mastercard® Secured Credit Card | $39 | $200 |
Request expedited shipping
If you can't wait the standard 7-10 days to receive your credit card in the mail, you could try asking if your issuer offers expedited shipping. Just keep in mind that you might be charged a fee for the service.
- HDFC Bank.
- SBI Card.
- ICICI Bank.
- Axis Bank.
- RBL Bank.
- HSBC Bank.
- Kotak Mahindra Bank.
With an 480 credit score, you're unlikely to get approved for a traditional credit card. Credit cards are unsecured forms of debt, so banks tend to be a bit more cautious compared to loans backed by specific assets, like mortgages and auto loans.
Can I get a credit card with 570 score? ›Yes, you can get a credit card with a 570 credit score, and there are both secured and unsecured options. One of the best credit cards for a 570 score is the Capital One Quicksilver Secured Cash Rewards Credit Card because it offers rewards and a $0 annual fee.
Can I get a credit card with a 552 credit score? ›There is no minimum credit score needed for a credit card. Some credit card companies don't even check applicants' credit history, so it's certainly possible to get a credit card even if you have a very low credit score or no credit score at all.
What is instant credit available? ›
Instant credit cards are credit cards that cardholders can start using immediately after approval, before the physical card arrives by mail. While many credit cards offer the possibility of instant approval, instant credit cards that can be used right away are few and far between.
What is an instant virtual card? ›A virtual card is not a physical, plastic card. Instead, it is a set of sixteen digits similar to a credit card number together with a CVV code that is randomly generated using software. Virtual cards can be either credit or debit cards.
What card is 6011? ›Discover: Card numbers begin with 6011 or 65. Japan Credit Bureau (JCB): Card numbers begin with 35. American Express (Amex): Card numbers beginning with 34 or 37.
How to get free virtual mastercard? ›- Register. Download the Pyypl app and sign up in a few easy steps.
- Verify. Confirm your identity with an ID or passport.
- Top up. Load your app using a wide range of top-up options.
- Spend. Start using your virtual Mastercard for your everyday spending.
Some notable examples of banks offering virtual cards are HDFC, SBI, SBI, ICICI, and many others.
Which credit cards companies offer virtual account numbers? ›Currently, 2 major issuers offer a complete virtual credit card solution for personal cards: Citi and Capital One (via Eno). Other issuers, including American Express, Chase, and Discover, may offer similar solutions, but these aren't exactly the same as virtual credit cards. Here are our favorites!
What is a spark card? ›The Capital One Spark Cash for Business is the only major small-business card that offers an unlimited 2% cash back on all purchases, which makes it well worth its annual fee — $0 intro for the first year, then $95 — for small businesses that spend a lot.
What is a one time use credit card? ›Single-use credit cards—also called virtual or disposable credit cards—were created with the goal of making online shopping safer. They provide various alias credit card numbers for the same account, typically your existing credit card account. In this method, your real account number is never revealed to the merchant.
What is a chipped card? ›What Is a Chip Card? A chip card is a standard-size plastic debit or credit card that contains an embedded microchip as well as a traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at stores, terminals, or automated teller machines (ATMs).
What credit cards can I get with a 561 credit score? ›The best type of credit card for a 561 credit score is a secured credit card. Secured cards give people with bad credit high approval odds and have low fees because cardholders are required to place a refundable security deposit.
What credit cards can you get with 601 credit score? ›
| Card/Category | Initial credit limit | Annual fee |
|---|---|---|
| Capital One Platinum Secured Credit Card | $200 | $0 |
| OpenSky® Secured Visa® Credit Card | $200 - $3,000 | $35 |
| Indigo® Mastercard® Credit Card | $300 | $0 - $99 |
| Milestone® Mastercard® | $300 or more |
- Rewards with No Fee: Petal® 2 Visa® Credit Card.
- Cash Back: Capital One QuicksilverOne Cash Rewards Credit Card.
- Fair-to-Good Credit: Upgrade Cash Rewards Visa®
- Store Rewards: Capital One Walmart Rewards® Mastercard®
The best type of credit card for a 554 credit score is a secured credit card. Secured cards give people with bad credit high approval odds and have low fees because cardholders are required to place a refundable security deposit.
What credit cards can I get with a score of 663? ›- Rewards with No Fee: Petal® 2 Visa® Credit Card.
- Cash Back: Capital One QuicksilverOne Cash Rewards Credit Card.
- Fair-to-Good Credit: Upgrade Cash Rewards Visa®
- Store Rewards: Capital One Walmart Rewards® Mastercard®
The OpenSky® Secured Visa® Credit Card doesn't require a credit check or a bank account, so it can be a great option for people with poor credit or who are unbanked. The card reports account activity to all three major credit bureaus, so responsible use can help you build credit. There's a $35 annual fee, though.
What score do you need for Kohls card? ›The credit score you need for the Kohl's Credit Card is 640 or higher. That means people with a least fair credit have a shot at getting approved for this card.
Can you use Walmart credit card upon approval? ›If you're instantly approved for either this card or the Walmart® Store Card, you may use your card to make purchases right away. Just keep in mind that Walmart Credit Card instant approval is never guaranteed.
Will I get approved for Ulta credit card? ›The credit score you need for an Ulta Credit Card is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Ulta Store Card, though, has more lenient approval requirements, as it accepts people with at least fair credit (640+).
Which card is accepted the most? ›Visa and Mastercard are by far the most widely accepted cards, with Discover slightly behind those brands and American Express in a distant fourth place. Any retailer that accepts card payments likely takes Visa and Mastercard. In terms of the number of countries serviced, Discover lags behind the other three cards.
What credit card is easy to get with no credit? ›- Discover it® Student Cash Back: Best student card with rotating bonus categories.
- Discover it® Secured Credit Card: Best secured card with rewards.
- Capital One Platinum Secured Credit Card: Best for accessing a higher credit line.
Which card is harder to get? ›
| Credit Card | Category |
|---|---|
| Centurion® Card from American Express | Overall |
| Chase Sapphire Reserve® | Rewards |
| Wells Fargo Business Elite Signature Card | Business |
| U.S. Bank Altitude Reserve Visa Infinite® Card | Travel |
Capital One Platinum Secured Credit Card: Best for rebuilding credit. Self - Credit Builder Account with Secured Visa® Credit Card: Best for building credit with savings. Discover it® Secured Credit Card: Best secured card with rewards. Mission Lane Visa® Credit Card: Best unsecured card for bad credit.
What is the most credit cards you should have? ›It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
What type of credit card has the highest limit? ›On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.
What are the 4 major credit cards? ›The four major credit card networks are Mastercard, Visa, American Express and Discover. Out of the four networks, two are also card issuers — Amex and Discover — which we explain more in the next section. In addition to aiding transactions, card networks determine where credit cards are accepted.
Is there a credit card you can get with no income? ›For those without income or a credit history, using a cosigner can help get a credit card independently via a secured or student credit card option. Before choosing an option requiring help from someone else, ensure the person being asked is comfortable creating a financial relationship.
How to get a credit card with no money? ›- Authorized users on someone else's credit card don't require a deposit. ...
- Student credit cards with no down payment are accessible. ...
- Secured credit cards may be an alternative to no-deposit credit cards.
NPSL cards to consider
Currently, American Express is the primary issuer for cards with no set spending limit. If you're eligible, consider choosing one of the cards listed below: The Platinum Card® from American Express: A high-end travel card with plenty of card perks.
For this card, you generally need a good to excellent credit score to qualify. According to FICO, a 'good' credit score is a score between 670 and 739.
What is the minimum income for American Express Platinum card? ›Salary Needed for Amex Platinum Credit Card
If you make nearly $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.
What is the easiest loan to get? ›
- Payday Loan. ...
- No Credit Check Loans. ...
- Unsecured Personal Loans. ...
- Secured Personal Loan. ...
- Loan From a Friend or Family Member. ...
- Emergency Loans. ...
- Hardship Loans from Local Government. ...
- Hardship Distribution from Your 401(k)
- Pay your bills on time. Payment history is an important factor in calculating your credit scores. ...
- Maintain a low credit utilization ration. ...
- Consider a secured credit card. ...
- Look into credit counseling.
Although credit-card holders with low credit ratings default more often than the rest of the population, the interest and fees they pay make them far more profitable for banks than any other groups of credit-card customers, according to research reported in The New York Times.