The best way to get a credit card fast is to apply online and then request expedited shipping once you’re approved. Applying online also means you could be approved instantly and perhaps even receive your card number to begin making purchases right away, though no card can guarantee either 100% of the time. Typically, it takes about 2-4 weeks from the time you apply for a card to actually receive it, depending on how long approval and shipping take. But there are certain things you can do to get your card quicker.
Here’s how to get a credit card fast:
Apply online. This is the fastest way to get your application to the issuer.
Apply for cards below your range. You’re more likely to be instantly approved for cards that’re overqualified for (e.g. apply for fair credit cards if you have good credit). You could even put a deposit on a secured credit card, which has the highest odds of approval of any card type.
Check for preapproval. Some issuers let you check online to see whether you’re preapproved for any of their cards. This means they’ll tell you whether you’re a good candidate to apply based on a harmless soft check of your credit. If you’re preapproved, you’ll have around a 90% chance of success when you actually apply for an account.
Look for instant use cards. Certain issuers provide your credit card number (or a temporary placeholder) to use right after you’re approved, instead of making you wait 7-10 business days until your card arrives in the mail. Some store credit cards also allow you to apply and use your card the same day. And if you get approved for a Capital One card and you are an existing Capital One credit card holder, you may be able to download their app and instantly see the number, expiration date and security code right away.
Request expedited shipping. Most credit card issuers will give you an option for faster shipping, usually in exchange for a fee ranging from $6 to $25 (but sometimes free). This will allow you to get your hands on the card sooner than the normal 7-10 business days, shortening the time to as little as overnight in some cases.
Call the issuer. If you don’t get approved right away and your application is pending, you can try following up with the issuer. Calling them might get your application looked at a little sooner than if you just waited. It might not, but it’s worth a try.
Regardless of whether you go for an account that gives you an instant number, your card should arrive within 7-10 business days of when you apply. If it doesn’t get to you within that time frame, you should definitely give customer service a call to check its status.
The best credit card for instant approval and use is the Blue Cash Everyday® Card from American Express. Applicants who get approved instantly for this credit card when they apply online will be able to get the card number immediately and start using the card to make purchases just a few minutes after they’ve applied.… read full answer
Specifically, you’ll have a short period of time to write down your card information once you’re approved for this credit card. People who miss this window of opportunity will need to wait until they get the card in the mail.
The Amex Blue Cash Everyday card offers solid ongoing rewards of 3% cash back at U.S. supermarkets (up to $6,000 spent per year), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on all other purchases, earned as statement credits. It also has a $0 annual fee and requires a minimum of good credit for approval.
Best Instant Credit Cards for Approval and Use
Blue Cash Everyday® Card from American Express: Best Overall
The Platinum Card® from American Express: Best for Luxury Perks
Blue Cash Preferred® Card from American Express: Best for Cash Back
American Express® Gold Card: Best for Dining Purchases
JetBlue Card: Best for No Annual Fee
Southwest Rapid Rewards® Plus Credit Card: Best Airline Card
Instant approval is always possible when you apply for a credit card online or in person, but instant use is rare. 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, too.
Standard shipping time for new cards is 7-10 business days.
If you’re not able to get a credit card number for immediate use, don’t worry. Credit cards usually 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.
You can just apply here. Plenty card have instant approval, and then you just have to wait for 2 weeks for the card to reach you.
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