List of Instant Approval Credit Cards That Issue Your Card Number Immediately

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Choosing the right credit card all depends on your financial needs, and it can take time to find your perfect match. However, sometimes those financial needs 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 significant repairs. Or you have a sudden need for an expensive repairman to address major leaks throughout the house.

Luckily, there are quite a few credit cards that allow you to instantly access all the important information you need to use your new credit card to make that purchase. Here, we’ll give you a list of credit cards that offer instant access to your new card numbers, and tell you which banks don’t offer this service.

Plus, a lot of the cards that issue instant credit card numbers upon approval are travel rewards cards, which can eventually help relieve some of your stress by helping you take your next vacation on points and miles instead of cash!

Full List of Instant Approval Credit Cards That Issue Card Number

It is important to know what to expect when applying for your next credit card if urgent situations arise. That’s why we’re detailing each bank’s policy on issuing instant credit cards numbers — some make it easy, while others take a bit of work.

Getting an instant credit card number will always require an automatic approval, even from the banks listed below. If your application is pending after you apply, you might want to consider other options.

American Express (Best Option)

American Express Logo Hedge
Image courtesy of Shutterstock.

American Express provides instant credit card numbers on just about every card they offer.

In fact, they often give you the actual card number immediately on approval by sending a digital image of your actual card.

It’s important to note that while the card number will likely be the same as the actual card you receive in the mail, the expiration date and security code may be different.

You will also want to clearly document the temporary credit card information, because it’s not likely you will be able to get that information again before your physical card arrives (even by calling American Express).

Popular American Express cards that offer instant card numbers are:

Instant Approval Personal Cards (Amex)

💳 The Amex EveryDay® Credit Card from American Express
  • Earn 10,000 Membership Rewards® points
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x).
  • 0% introductory APR for the first 15 months on Purchases.
  • 0% introductory APR for the first 15 months on balance transfers requested within 60 days of account opening. Terms Apply.
  • Annual Fee: $0
💳 Blue Cash EveryDay® from American Express
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 0% introductory APR for the first 15 months on Purchases.
  • 0% introductory APR for the first 15 months on balance transfers requested within 60 days of account opening. Terms Apply.
  • Annual Fee: $0

Instant Approval Business Cards (Amex)

💳 The Business Gold Rewards Card from American Express OPEN
  • Earn 50,000 Membership Rewards® points
  • Get 3x points - Choose 1 out of 5 categories.
  • Earn 2x points on the remaining 4 categories
  • $0 introductory annual fee for the first year, then $175
  • Terms Apply.
💳 The Blue Business℠ Plus Credit Card from American Express
  • Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 0% introductory APR on purchases and balance transfers for 15 months. Terms Apply.
  • Annual Fee: $0

The best part about American Express is their range of travel rewards credit cards to choose from. Some of their co-branded credit cards will only offer instant credit card numbers to use with that co-branded partner. (For example, you can instantly use a new Delta credit card, but only to make a purchase from Delta.)

You will also need to consider that some cards offered by American Express are charge cards. These cards don’t allow you to carry a balance, so be aware of that when understanding how fast you’ll need to pay off any unexpected debts.

Bank of America

Most Bank of America credit cards do not offer instant card numbers, but one of their co-branded credit cards is well known for instantly issuing your card number on approval.

The best part? This is actually a travel rewards credit card, and it has an incredible awards program. Check out our review of the Bank of America Alaska Airlines Visa Signature Credit Card to learn more.

Other cards issued by Bank of America have been reported to issue their card numbers instantly, but it’s a bit more sporadic and less reliable.


BBVA will not issue instant card numbers for applications processed online. You have a better chance at getting access to the card information immediately by going into a physical branch and speaking with a representative.

Not all branch representatives will want to provide this information, but asking in person will help more easily verify your identity if the main reason for this method is the security of your cards.


Blispay appears to be the leader in advertising instant card access, and it also offers a quick 2% cash-back on all purchases. That’s almost instant savings!

The company brags about their accessibility: you can apply with your phone, and instantly use your card online anywhere Visa is accepted (as well as for in-store purchases at participating Blispay stores).

Blispay basically guarantees that if you are approved for their card, you will instantly get your card number.

Capital One

Capital One will easily give you instant access to your new credit card number — you just need to know how to find it. And of course, there’s an app for that.

All you need to do to get your credit card number immediately from Capital One is download their app and sign in!

This can also be useful for those who already have a Capital One card and need to make a quick purchase when they might not have the physical card on them.

Hot Tip: Be aware that when applying for a Capital One credit card, they will usually pull your credit from all 3 major credit bureaus.


Unfortunately, Chase doesn’t have any credit cards that issue your numbers and information immediately.

But, if you’re open to getting a decision right away (but waiting a few days for your card to arrive in the mail), we’d recommend either of these 2 cards below:

💳 Chase Freedom Unlimited®
  • Earn $150 bonus
  • Unlimited 1.5% cash back on every purchase - it's automatic.
  • 0% APR on purchases/balance transfers for 15 months
  • Annual Fee: $0
💳 Chase Sapphire Preferred® Card
  • 50,000 bonus points
  • That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • 2X points on travel and dining at restaurants worldwide.
  • $0 foreign transaction fees
  • Annual Fee: $0 the first year, then $95


Similar to Bank of America, not all Citi cards are known for issuing instant card numbers — but there are a couple co-branded cards that normally do.

Both the American Airlines and AT&T credit cards will usually provide instant card numbers. (If you’re interested in Citi products, read our article on the best Citi credit cards where we compare their perks and benefits).

American Airlines offers many different credit card products with different benefits, features, and bonuses, so be sure to look into which one works best for your financial and travel goals!

Costco Credit Card

The Costco Credit Card, which is issued by Citibank, offers instant card numbers only when you apply in person at a Costo location.

Not only will you instantly receive your card number, but Costco will print out a special barcode you can use at Costco locations. This lets you use your new card for purchases before you get it in the mail.

It is important to note that this instant card can only be used at Costco, and you need to either be a member or plan to become a member to access the store and apply.


The credit card offered by Final is mainly advertised to lower your risk of fraud, but it will also provide an instant card number on approval.

Need to make a payment online and want to keep your credit card information 100% secure? Their platform gives you the ability to generate temporary card numbers specifically for that purchase.

It also helps manage your automatic payments. Tired of that monthly subscription you signed up for months ago? Just cancel the special card number you used for that vendor, and your subscription will be canceled without jeopardizing your entire credit card account!

First National Bank of Omaha

FNBO issues the MGM M Life Rewards Mastercard, which can provide an instant card number when applying in person at an MGM resort or M Life desk.

MGM resorts are well known for their casinos…but we hope your financial emergency isn’t running out of money while gambling!

Once you’re approved in person, you will get a printed copy of your credit card information that can be used for your more important financial needs (not just to gamble away at the blackjack tables).


Synchrony offers a few options to obtain an instant credit card number on approval, but they mainly focus on online purchases with some limits.

Their Ebates credit card will provide you with an instant card number and is not limited to online purchases. You can use your temporary instant card number anywhere Visa is accepted.

Both of their eBay and Paypal credit cards will also give you instant access to your card number, but these are limited to online purchases only. They also limit your initial spending to $250 until you get your permanent card.

Other examples of Synchrony cards that result in some applicants getting approved instantly are Walmart, Lowe’s, Kohl’s, and TJX Rewards.


The USAA credit card 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 their credit card. Members of the military and their families can apply for membership to USAA.

Bottom Line: We hope you’ll find the perfect credit card that will both take care of your financial needs immediately and help give you some awesome travel benefits in the future.

Do Store Branded Credit Cards Offer Instant Card Numbers on Approval?

Many popular retail stores offer their own credit card. Some are co-branded with Visa, Mastercard, and American Express, while others are limited to use only at that specific store.

Comenity Bank is a popular card issuer for store-branded credit cards, and some of their credit cards won’t even conduct a hard pull on your credit report! We have the entire list of store-branded credit cards by Comenity Bank, including which ones are the easiest to be instantly approved for.

Some of these cards will also offer immediate discounts when you’re approved for their store card and use it for your purchase the same day. One example is the Target RedCard, which saves you 5% on all Target purchases and also provides a temporary card number on approval.

Other stores don’t even require you to have the physical or temporary card information with you. Best Buy and Macy’s can look up your credit card information by providing them with some personal information like a drivers license and/or social security number.

Surprisingly enough, Cabela’s will actually issue your permanent physical card on approval when you apply in-store.

Overall, store cards can be extremely useful when needing to make large purchases at these specific retailers. It’s always important to understand if these cards can be used elsewhere, or if they are limited to the specific store.

Which Cards Issue Card Numbers Instantly If I Have Bad Credit?

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.

Even if you have bad credit, you still have options to apply for a new credit card that will issue you a card number instantly.

What’s one of the easiest ways to get an instant card number for people with bad credit? The credit cards by Comenity Bank. However, it’s important to note that most of the cards they offer that are easy to be approved for are store-branded cards, and may be limited to use at those stores.

Are you getting pre-approved credit card offers in the mail? If so, it might be useful to see if they’re on the list of credit cards that issue card numbers instantly.

Most of the time, banks have already looked at your credit if you’re receiving pre-approved offers — this is a good sign that you would be approved if you apply.

However, if things have drastically changed on your credit since you received those pre-approved offers, it’s less likely you will be approved by the bank (since they will definitely check your credit again once you apply).

Hot Tip: Still worried about your bad credit score? Our recommendation would be to apply for a new card that doesn’t offer premium benefits (like our favorite travel rewards credit cards), and start with a card that is easy for you to manage to help improve your credit score!

Which Cards Won’t Issue Card Numbers Instantly?

Most credit card companies that aren’t on this list will not issue your credit card information instantly. This means you must wait until the card arrives in the mail to be able to use it.

Most notably, these big-name banks do not offer instant card numbers on approval:

  • Alliant
  • Barclays
  • Chase
  • Discover
  • US Bank.

While it may be possible to get expedited shipping for these cards, there is still a waiting period that could last up to 2 weeks.

Final Thoughts

We’ve detailed the most popular banks that issue instant credit card numbers on approval to help you in times of financial emergencies. We’ve also noted which credit cards and banks to avoid if you are looking for immediate use of your new credit card.

You don’t always need to wait for your new credit card to arrive in the mail to be able to use it — but if you get your number immediately, make sure to take note of any spending limitations or restrictions on where it can be used.

Bottom Line: Overall, we would recommend travel-related cards issued by American Express, the Bank of America Alaska Airlines Visa Signature Credit Card, and any of the American Airlines credit cards by Citibank if you’re in need of an instant credit card number.


Chase Freedom Unlimited®

Here are the top 5 reasons to have this card in your wallet, where you can earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Plus – you can convert your cash-back to points if you also have the Chase Sapphire Preferred® Card!

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

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