Some credit card issuers also offer another alternative that leads to instant use - virtual card numbers. Only available for cardholders with a good credit score.5% cash advance and balance transfer fees.Extra 1.5% earned the first year up to $20,000.Additional 5x cash back on travel purchased through the Ultimate Rewards program, 3x on dining, and 3x on drugstore purchases.0% intro APR on purchases and balance transfers for 15 months.Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn. SPECIAL OFFER: Unlimited Matched Cash Back.While many rewards credit cards from Chase are eligible, the card issuer says card_name, card_name, Aeroplan, Chase Freedom Flex, Amazon, Amazon Prime, Disney, Disney Premier and business credit cards are ineligible to be added to a digital wallet directly after approval.Īdditional instant use cards to consider include: Essentially, you can apply for a card for instant use and begin using your card number after adding the card to an eligible digital wallet. Amex also goes further to say eligibility is based on their ability to "authenticate you" during the application process.Ĭhase offers a similar option with its "Spend Instantly" promotion. On the American Express website, they say that eligible customers can get their card number right away after approval, and that they can instantly add it to a digital wallet like Apple Pay, Samsung Pay, Google Pay or Amazon Pay to begin making purchases.Īmerican Express says that all of their consumer cards and charge cards are eligible for instant card use, but that not all card applicants are. Capital One also notes that, if they can't approve you for the Mastercard version of this instant use credit card, you may automatically get assigned the Walmart Rewards® Card that only works for Walmart purchases instead.Īs we mentioned already, American Express is also good about making their cards instantly available to consumers. You can apply for this card during the checkout process either way, and you can use your line of credit instantly upon approval. While some of the cards in this niche are offered through retail stores that try to get you to sign up for their co-branded credit card when you make a purchase in-store or online, others are offered through major card issuers.Īs an example, you may be asked if you want to apply for the Capital One Walmart Rewards® Mastercard® when you shop in-person at Walmart stores or make an online purchase with the retailer. Instant use cardsįirst off, you should know that some card issuers offer instant use cards you can use right away if you're approved. Which of the best credit cards make it easy to start shopping right away? Consider the following card types and examples below. Types of credit cards you can use instantly after approval At the end of the day, you'll want to consider which credit cards offer instant use or other means to use them virtually if you need to make a purchase with credit now and you can't afford to wait. There are also some scenarios where you can apply for a credit card during the checkout process for an online purchase, use the line of credit to finance your purchase and receive a bill in the mail later on. As an example, American Express is very upfront about their instant use card offerings, and the same is true for many popular rewards credit cards from Chase (with some exceptions). Using a credit card number before you receive a physical credit card is possible, but only with certain types of cards from credit card issuers that facilitate this option. Can I use a credit card before it arrives in the mail? This guide will go over the types of instant approval credit cards you can use right away, which issuers offer them and common pitfalls to watch out for if you need to use a credit card quickly. The reality is, there are several types of credit cards you can use before they arrive in the mail - and even instantly after you're approved. This begs the question, can you actually use a credit card before it arrives? And if so, how exactly does that work? When you apply for a new credit card, it's not uncommon to wait 10 to 14 days for your physical card to arrive in the mail.
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