Just about all gas station credit cards can be gas credit cards with instant approval. When you can apply online, it’s almost always possible to receive instant approval (or denial). But issuers never guarantee an instant decision. You’re likely to receive one if you apply for one of the easiest gas cards to get. And in general, your chances for instant approval are high if you apply for a card where your credit score exceeds the minimum required.
But issuers consider many factors on an application, such as income, number of recent credit inquiries, past bankruptcies and more. So it’s always possible an issuer will need more time to come to a decision. And the approval process may take longer if the issuer cannot immediately verify the personal information on the application.
Again, just about any gas credit card offers instant approval. But that doesn’t necessarily mean you’ll get it. Factors that will increase your likelihood of getting instant approval for any credit card include: a high credit score, a high income, and completely correct and up-to-date information on your credit card application.
The best gas credit card with instant approval is Discover it Secured because it offers 2% cash back on the first $1,000 spent per quarter at gas stations and restaurants and 1% on all other purchases. It’s both possible and likely to get an instant approval decision with this card. That’s because it’s available even to people with bad credit.
On the other end of the spectrum, if you have above the 750 credit score needed for the Costco Anywhere Visa, you may want to apply for that instead. If you apply in store and get approved, they’ll give you a code you can use to make Costco purchases right away. The Costco Anywhere Visa offers 4% cash back on the first $7,000 per year spent on gas and 1% after. It gives 3% back on restaurant and travel purchases, 2% at Costco and 1% everywhere else. There are plenty of other good gas cards that offer instant approval. But the Costco card is one of the few you can use right away.
The Fingerhut Credit Account is the easiest unsecured card to get approved for. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So, while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.
Most gas rewards credit cards require good or excellent credit for approval. You even need at least fair credit to get a gas card that can only be used at a certain gas-station chain. But that doesn’t mean you’re out of luck.
If you want the convenience of paying at the pump (especially important when it’s cold out or you’re in a hurry), you can simply open a … read full answersecured credit card. Secured credit cards offer nearly guaranteed approval, given that you are required to place a refundable security deposit which acts as your spending limit. Plus, some secured cards offer rewards from time to time.
Instant credit card approval and use is rare. Instant approval is always possible when you apply for a credit card online or in person, but only American Express provides an instant credit card number with every card they offer. The instant credit card number allows you to use the account before your physical card arrives. With other issuers, you could get instant credit card approval and a card number to use right away but only for specific transactions. If a store invites you to apply for their card, they will often approve you instantly and let you use your card for purchases in their stores the same day.… read full answer
Some credit card issuers don’t offer any instant use credit cards. Others have only a few. Each issuer has their own restrictions for when you can get instant use.
Instant Credit Card Approval and Use by Issuer:
American Express: All cards have the potential for instant credit card numbers, but only if you apply online. If you are approved instantly, you will have a short amount of time to write down your account info. If you don’t, you have to wait for your card by mail.
Bank of America: You can instantly use the Alaska Airlines Credit Card to book a flight through Alaska Airlines if you apply online and are instantly approved.
Barclays: If you apply for the Uber Visa through the Uber app and are approved, you can immediately use the card for Uber purchases as it will be linked to the app.
Blispay: If you are approved for the Blispay Visa, you will be able to access and use a digital version of your card right away. You can use it online or at any store that is set up to accept digital Blispay cards. You will also get a physical card by mail.
Capital One: You can see account details for any Capital One card through its mobile app, even cards you’ve just been approved for. However, you must have an existing Capital One card account for this to work. You can’t do it for your first card. Also, this feature only appears on some accounts, not all.
Chase: You can instantly use the Southwest Rapid Rewards Credit Card and United Credit Card. But this is only if you book a flight through the airline website and apply for the card during checkout. If you’re approved, you can pay for that flight only with your card before it comes.
Citi: You can only get instant use for the Costco Anywhere Visa. If you apply in store and are approved right away, the representative will give you a temporary code to scan at checkout. It functions as your card until the card arrives.
Discover: There are no options for instant credit cards to use right away.
First National Bank of Omaha: You can get an instant number with an M Life Rewards Mastercard, but only if you apply in person at an MGM resort M Life Rewards Desk. You can only use it on MGM properties until you get your physical card.
Synchrony: If you’re instantly approved for a Synchrony-issued store card, you may receive an instant number or at least be able to complete your purchase using the card.
USAA: You can instantly use any USAA credit card, but only for purchases made through USAA. For example, you could use it for USAA auto insurance. But any purchases outside USAA have to wait until you get the card.
U.S. Bank: There are no options for instant credit cards to use right away.
Wells Fargo: There are no options for instant credit cards to use right away.
Store Cards: You can also ask your favorite retailer if their store card works instantly after you’re approved. Some stores such as Target will issue a temporary store card that you can use right away.
Even if you’re not able to find a credit card that will approve you instantly and give you an instant credit card number for immediate use, don’t despair. At most, a credit card will only take 7-10 business days to arrive after you’re approved. And many credit card companies provide expedited delivery for a small fee or sometimes even for free.
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