John Miller, Credit Cards Moderator
@john_miller
No, it’s unlikely that you can walk into a bank and get a physical credit card immediately. While you can typically apply for a credit card in person at a branch and potentially receive an approval decision on the spot, the physical card is mailed to the address on file. Delivery times usually range from 7-10 business days after approval.
It's worth noting that some banks, like Citizens Bank, may offer instant-issue debit cards, but this convenience doesn’t extend to credit cards.
Keep in mind that certain issuers, like Chase or Capital One, might provide an instant credit card number upon approval, that you can add to a virtual wallet and shop while waiting for your physical card. However, this feature isn’t guaranteed, and availability varies by bank. If you’re interested in instant-use options, it’s a good idea to check with your bank directly to understand their specific policies and whether they offer an instant card number after approval.
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People also ask
Which banks have the easiest credit cards to get?
It's easy to get a credit card from banks such as U.S. Bank, Capital One, Bank of America, Citibank, along with other major banks that offer secured cards. You'll have a good chance of getting a credit card from one of these banks even if you have bad or limited credit.
Easiest Bank Credit Cards to Get
| Credit Card | Annual Fee | Category |
| Capital One Platinum Credit Card (see details, rates & fees) | $0 | No Credit ... |
Is it better to apply for a credit card in person or online?
It is better to apply for a credit card online rather than in person. Applying online is the fastest, most convenient method because you can do it any time, from anywhere. It also makes the most sense after comparing credit card offers online, which you really need to do if you want to find the best deal.
It's worth noting, though, that both online and in-person credit card applications give you the chance to...
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