Instant Approval Credit Cards | Which One Is Best For You

Credit card approvals are available immediately

Credit cards don’t need to be delivered before making your first purchase.

Many major issuers offer instant credit card access. Some brands, such as storecards or airline cards, offer credit access right away.

The top credit cards are available once they have been approved

  • American Express Blue Cash Preferred(r), card
  • Bank of America (r), Premium Rewards (r), credit card
  • Amazon Prime Rewards Visa Signature Card
  • United(sm) Explorer Card
  • Upgrade Triple Cash Rewards Visa(r).
  • SoFi Credit Card
  • There are many other options
  • Policies of significant issuers concerning instant credit access

American Express Blue Cash Preferred(r), card

Our pick for Intro APR

We love

American Express Blue Cash Privilege(r) card offers a solid APR rate. For purchases lasting 12 months, the introductory APR is 0 %. After that, you will receive an ongoing APR of 13.99% to 23.99% Variable.

How To Use It Now

Cardholders who are eligible will be approved online. They can then receive an instant number.

Bank of America (r), Premium Reward Credit Card

We choose: Tourism

We love

1.5 points for every $1 spent traveling. The Bank of America Premium Rewards Credit Card will earn 1.5 points. You can earn up to $200 in rewards credit points, an annual fee of $955, and as many as 200 points.

How To Use It Now

To be eligible for an instant number, you need to have at least one Bank of America Account. You can apply via the app.

Amazon Prime Rewards Visa Signature Card

There are two options: a gift card or a storecard

We love

Amazon Prime Reward Visa Signature Card provides a high 5% reward when shopping at Whole Foods Markets and Amazon. Amazon Prime Reward Visa Signature Card offers an excellent 5% reward when shopping at Whole Foods Markets or Amazon.

How To Use It Now

Once your card is approved, you will be able to access it through Amazon. Before you can use your card on other purchases, you will need to wait for it to arrive.

United(sm) Explorer Card

We choose an airline card

We love

Sign up now to earn 10,000 bonus miles when you fly United

Earn 2 miles for every $1 spent on United, Restaurant Reservations, and Hotel Reservations. All other purchases earn 1 Mile

How To Use It Now

Once your card is approved, you will be able to access your MileagePlus account with United Airlines to make purchases. You will need to wait for your physical card.

Upgrade Triple Cash Rewards Visa(r).

Flexibility

We love

The Upgrade Triple Cash Rewards Visa(r) is a hybrid personal credit/personal loan from Sutton Bank that offers cash-back and unique rewards.

You can use this to obtain a Visa credit card wherever Visa is accepted.

It can be used to obtain a personal loan. Once the funds have been transferred into your bank account, the interest rate will be set.

How To Use It Now

Once approved, log in to your online account and get your temporary virtual credit card. It can be used until you get your physical card.

Credit card SoFi

SoFi customers

We love

The SoFi Credit Card can be used as a primary cash-back credit. Twelve timely payments will lower the APR by 1 %.

How To Use It Now

Cardholders can instantly add their card to a virtual wallet and start using it immediately after approval.

There are many other options.

Many credit cards offer instant credit access.

  • Goldman Sachs was issued an Apple Card. This card can be used immediately through Apple Pay.
  • Deserve your first digital card. You can use it instantly through Apple Pay.
  • Add the HMBradley Bank Card to your Apple Wallet.
  • PayPal Cashback Mastercard r, which allows instant PayPal payments (r), is now available.
  • Synchrony offers Rakuten a cashback Visa Credit Card.
  • You can instantly access the Triple Cash Rewards Visa(r) and the Upgrade Card.
  • After approval, the Venmo credit card issued to Synchrony can be accessed immediately. You can add the card to any digital wallet except Apple Pay.

Policies of significant issuers concerning instant credit access

ConsolidationNow says that American Express is the best option for instant credit access. As long as you can verify your identity, you can access your card from anywhere.

Loans Writer at Consolidation Now | Website

Kimberly Chantal Parkes is a former contributor to Consolidation Now. Kimberly Chantal is a freelance copy editor and writer with a specialization in personal financial planning. After having graduated from Kansas State University with a bachelor's degree in journalism, she began her career in media wearing many hats for community newspapers within the Kansas City area: writer as well as copy editor, photographer and coffee runner among other things.