Edited by: Juan Ruiz
& Kellie Jez
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
Choosing the right credit card depends greatly on your financial needs and as a result, the process may take time to find your perfect match. Occasionally, however, financial needs can become urgent and you need access to credit immediately.
Things happen, and we can’t always plan ahead. Maybe your car breaks down and is in desperate need of repairs, or you have a sudden need for an expensive repairman to address major house repairs.
Luckily, there are several credit cards that allow you to instantly access all the important information you need to use your new credit card immediately to make an important purchase.
Today we’re going to talk about the possibilities of securing credit cards that offer instant approval and immediate access to your new card number — and help you find card issuers that offer these features.
Some instant approval credit cards have the additional benefit of earning rewards, which can help you accumulate redeemable points, miles, and even cash-back.
Join us as we focus our discussion today on those credit card issuers that offer the strongest possibility for instant approval and in some cases, provide access to account numbers for immediate use.
It is important to know what to expect when applying for your next credit card if an urgent situation arises. Unfortunately, the process is not an exact science with each issuer having its own policies — some making it easy to obtain instant approval and card information while others requiring additional action.
Getting an instant credit card number will always require an automatic approval, even from the banks listed below. If your application becomes immediately pending after you apply, you might need to consider other options.
Here are your best bets for instant approval and access to your credit card number after approval.
Chase offers a “Spend Instantly” feature as part of its Chase Mobile app. With Spend Instantly, after you’re approved for a new card, you can sign in to your account on the Chase Mobile app and add your new card to 1 of 3 digital wallet applications including Apple Pay, Google Pay, and Samsung Pay.
Here is how to add a new card to your digital wallet:
Step 1: Log in to your account.
Step 2: Select your new card, then scroll down to Account Services and click Digital Wallets.
Step 3: From there, you can select which digital wallet you want to instantly link your card to.
Step 4: You’re all set! Now you can start using your card before it even arrives in the mail.
Quite a large number of cards in the Chase portfolio are eligible to use the Spend Instantly feature such as the Chase Freedom Unlimited®, except for the following: Aeroplan® Credit Card, Amazon cards, business cards, Chase Freedom Flex℠, Disney cards, and IHG cards.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Amex is one of the few banks you can count on to show their card numbers instantly upon approval, but they are NOT guaranteed to be instant approval.
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
If you're approved and accept this Card, your credit score may be impacted.
When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
If you're approved and accept this Card, your credit score may be impacted.
The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.
With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!
Most Bank of America credit cards do not offer instant card numbers, but one of their co-branded credit cards — the Alaska Airlines Visa Signature® credit card, is well-known for instantly issuing your card number on approval.
This is actually a travel rewards credit card that earns miles with Alaska Airlines.
Other cards issued by Bank of America have been reported to issue their card numbers instantly, but they are a bit more sporadic and less reliable.
CardMatch Tool: A tool called the “CardMatch” allows you to see your own pre-approved card offers. No credit pull is required to see these options, but to see the targeted offers you’ll of course need to give a few personal details. Click here to use the CardMatch Tool.
Capital One is another card issuer that may give you instant access to your new credit card number immediately after approval. In order to find the card details, however, you will need to download its app and sign in.
Once signed into the app, you should be able to view your card details such as the expiry date, card number, etc.
Some consumers have also reported that if you don’t initially see the numbers via the app to log out and log back in, which can refresh your account details.
NOTE: Not all applicants for Capital One cards are able to access immediate card numbers instantly on approval. If this aspect is important to you, and your credit is good, applying for an American Express card may be a better alternative.
Similar to Bank of America, not all Citi cards are known for issuing instant card numbers when you’re approved — but there are a few co-branded cards that generally do.
The Costco Anywhere card offers instant approval and immediate card numbers only when you apply in person at a Costco location.
Not only will you instantly receive your card number, but Costco will print out a special barcode you can use to shop immediately at Costco without waiting for your new card to arrive in the mail. This instant card can only be used at Costco while the physical card can be used anywhere Visa is accepted.
FNBO issues the MGM Rewards™ Mastercard® that can provide an instant card number when applying in person (and getting approved) at an MGM resort or MGM Rewards desk in the casino.
Once you’re approved in person, you will get a printed copy of your credit card information allowing you to use your card immediately.
USAA credit cards will also grant you instant access to your credit card information, but your spending is limited to $1,000 until you receive the actual card in the mail.
Also, you need to be a member of USAA before applying for its credit card. Members of the military and their families can apply for membership to USAA.
If you are an active military member, check out our detailed article on the best credit cards for active military.
Even if you have bad credit, you still have options to apply for a new credit card that could give you instant approval and may even issue you a card number instantly.
With no credit or less-than-perfect credit, instant approval card choices are limited, but you’ll still have options. Let’s take a look at cards that can provide a high level of success of getting approved for those with no credit, very little credit, or bad credit, and some of the cards’ features.
The Capital One Platinum card is great for those looking to build up their credit score and credit history, without paying a deposit or annual fee.
If you’re ready to get serious about building or rebuilding your credit, you’ll want a credit card for which approval is probable, one that has a simple structure and is easy to manage, and ideally, has some benefits you can use. This is where the Capital One Platinum Credit Card really shines.
Before we discuss the credit card issuers that do offer instant approval and the ability to access your credit card information immediately, let’s look at those issuers who do not offer instant card numbers on approval.
If you’re looking for immediate access to the associated card information after approval, you’ll generally want to avoid these issuers.
It may be possible to get expedited shipping for these cards after instant approval, but normal card processing and delivery could take up to 2 weeks.
Just about any credit card can deliver an instant decision within a minute after submitting your application. Whether you are approved or denied for the card, however, is a different matter.
If your main objective is to start building credit or you desire to secure a travel rewards card, you may not need immediate approval but you’d certainly want to be aware of your approval chances in advance.
If you need credit to handle an emergency situation, however, instant approval combined with access to the credit card number could be critical.
In a perfect world, you could spend all the time you need to research and find the perfect credit card that matches your spending habits, has an annual fee you can live with, and offers benefits you can use.
However, when an emergency arises, or the situation is urgent, you may not have the luxury of time to seek out the perfect card. If you’re dealing with a situation where the furnace goes out in the middle of winter, your refrigerator breaks down, or you need an immediate car repair, having access to immediate credit can be a lifesaver.
If you’re looking for immediate credit, you’ll want both instant approval and to be able to receive your card number immediately in order to make a purchase.
Hot Tip: For more information on cards that offer your card number immediately after approval, you’ll want to review this additional article.
It’s always important to understand your credit score, especially when you are about to apply for a new credit card. If you’re not aware of your credit score, we recommend using some of the free credit monitoring services like Credit Karma.
Applying for a credit card and getting denied is an unpleasant experience and it can impact your credit score. Fortunately, there are plenty of preapproval tools to help determine your chances of approval.
CardMatch is a helpful tool to use to find prequalified offers that card issuers have waiting for you. Only the last 4 digits of your Social Security number are needed and there is no pull on your credit report for using the tool.
As we’ve mentioned, many card issuers have their own preapproval tools. Be sure to take advantage before formally applying for a card.
Also, note that prequalification or preapproval does not guarantee your final application approval.
If you have less-than-perfect credit, 1 possibility for getting approved instantly and having access to your card number is securing a credit card issued by Comenity Bank. It’s important to note, however, that although approval can be easier, there can be limitations on the use of store-branded cards in that these may be limited to purchases at the affiliated stores only.
Comenity Bank is a popular card issuer for store-branded credit cards, and some of their credit cards don’t even require a hard pull on your credit report!
When you’re approved for these store-branded cards, it’s common to receive an immediate shopping discount that can be used for your same-day purchase. One example is the Target RedCard™, which saves you 5% on all Target purchases and also provides a temporary card number on approval.
Overall, store cards can be extremely useful when needing to make large purchases at these specific retailers.
To learn more about Comenity Bank store-branded credit cards, and some of the limitations and downsides, you’ll find our compilation very informative.
Synchrony offers a few options that can result in instant approval and immediate access to your credit card number.
The Rakuten credit card will provide you with an instant card number and is not limited to online purchases. Plus, you can use your temporary instant card number anywhere Visa is accepted.
The eBay and Paypal credit cards can also provide you with instant access to your card number, but their use may be limited to online purchases only. There may also be a limited credit line until you actually receive your physical card.
Note that some of the instant approval cards offered by Synchrony may be limited to online purchases, or to purchases at only the affiliated retailer.
As we mentioned earlier, just about any credit card can offer instant approval if your credit matches the issuer’s criteria. Whether you’ll have immediate access to your card number, however, will vary greatly by the issuer.
While instant approval is never a sure outcome, you can increase the chances by knowing your credit score, using pre-approval tools, and understanding the issuer’s specific approval criteria.
If you’re interested in additional information, check out our article on the easiest cards to get approved for.
The information regarding the MGM™ Rewards Mastercard®, OpenSky® Secured Visa® Credit Card, Reflex® Platinum Mastercard®, First Progress Secured Credit Cards, and Target RedCard™ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Platinum Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Alaska Airlines Visa Signature® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Indigo® Platinum Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Credit One Bank® Unsecured Visa® for Rebuilding Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Capital One Platinum Credit Card is one of the easiest cards to get approved for as it’s designed for consumers that have a very low credit score, or even no credit at all. This is a no-frills, no annual fee card.
Yes, there are credit cards that will you show your credit card numbers instantly upon approval. For a list of those cards, see our article here.
Be sure to increase your chances of approval by utilizing any prequalification tools, knowing your credit score, and reviewing the card issuer’s criteria for approval.
The best store credit card for you will be the one that is branded by a store at which you shop frequently and that rewards your purchases. It may also offer discounts and other perks such as free shipping.
While store-branded credit cards may be easier to obtain, if you have good credit you may want to consider a credit card that earns rewards on all of your major purchases, is widely accepted, and offers additional benefits you can use.
Was this page helpful?
UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.