John Miller, Credit Cards Moderator
@john_miller
Yes, you can get a credit card the same day you apply for one, but it’s not always guaranteed. Some credit card issuers offer instant access to your card details immediately after approval, through features such as a temporary card number or a digital card. However, the physical card is typically mailed and usually takes 7-10 business days to arrive, unless expedited shipping is requested.
The exact policy depends on the issuer and card type. If being able to use your card right away is important, it’s best to check with the issuer before applying to confirm whether they offer instant access or expedited delivery options.
Popular Credit Card Companies That Offer Instant Credit Card Use
- American Express: Most credit cards issued by American Express offer the chance to see your card information immediately after approval to eligible cardholders.
- Bank of America: Existing cardholders may get an instant card number as long as they apply through the Bank of America mobile app.
- Capital One: Many Capital One credit cards allow cardholders to access a virtual card once approved, so they can start using their credit cards immediately. Not everyone may be eligible for this feature, though.
- Citibank: You can get a temporary card number after approval to shop online, but it’s not guaranteed.
Store cards and co-branded credit cards may also offer access to your credit line immediately after approval. In many cases, you can receive a temporary card printed in-store, or your card details may be available in your online account so you can start shopping right away with the affiliated brand.
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People also ask
What is the easiest credit card to get instant approval with?
The opensky Plus Credit Card is the easiest instant approval credit card to get, offering online applicants a quick decision and approving around 90% of applicants. It is a store credit card and can only be used for Fingerhut purchases, but you can use it instantly after approval.
Easiest Instant Approval Credit Cards to Get
- opensky® Plus Secured Visa® Credit Card: Best for no credit check
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How do I get a credit card fast?
The fastest way to get a credit card is to apply online because you could be approved instantly, and you may even receive an instant card number so you can make purchases right away. You can also request expedited shipping to receive your actual card as soon as possible.
Steps to Get a Credit Card Fast
Apply online
This is the fastest way to get your application to the issuer.
Apply...
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