What is the best credit card for instant approval and use?

If you need a credit card today, you should apply for an American Express card, Capital One card and some store cards that offer instant use. While it’s pretty common to get approved for a credit card the same day if you apply online, you’ll still usually have to wait another 7-10 business days before your card comes to use it.… read full answer

All American Express cards give you the potential for an instant card number after approval, which will give you access to part of your credit line until your card arrives. Capital One cards also provide instant use through the Capital One app, but that’s only possible if you’re an existing Capital One cardholder. Store cards, such as the Target Credit Card, may give you an instant number or code to use as a temporary version of your card.

Here are some of the best credit cards you can get today:

• Bad credit – Secured Mastercard® from Capital One: Requires a minimum security deposit of $49, $99 or $200. Your credit line will always be at least $200. No rewards. $0 annual fee. Must be an existing Capital One customer to see your card information through the app.
• Limited credit – Capital One QuicksilverOne Cash Rewards Credit Card: Unlimited 1.5% cash back on all purchases. $39 annual fee. Must be an existing Capital One customer to see your card information through the app.
• Fair credit – Target Credit Card: 5% discount at Target and Target.com. 30 extra days on returns. Free -day shipping. $0 annual fee. Gives a temporary number after approval to use until your card comes.
• Good credit (miles) – Capital One Venture Rewards Credit Card: 60,000 miles for spending $3,000 in the first 3 months. Unlimited 2 miles per $1 on all purchases. $95 annual fee. Must be an existing Capital One customer to see your card information through the app.
• Good credit (cash back) – Capital One Quicksilver Cash Rewards Credit Card: $200 bonus when you spend $500 in the first 3 months. Unlimited 1.5% cash back on all purchases. $0 annual fee. Must be an existing Capital One customer to see your card information through the app.
• Good credit (cash back) – Blue Cash Everyday® Card from American Express: $100 statement credit for spending $2,000 in the first 6 months . 20% cash back on Amazon.com purchases for the first 6 months (up to $150 back), 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 . $0 annual fee.
• Excellent credit – Costco Anywhere Visa® Card by Citi: 1 - 4% cash back, depending on the type of purchase. $0 annual fee but must be a Costco member. Gives a temporary code to scan at checkout until the actual card arrives.

While there’s no guarantee these options will get you a credit card today, they’ll certainly give you your best chance. Don’t forget that if you get approved for a Capital One card you’ll need to both already have another Capital One card open and have downloaded the app. Unfortunately, this option isn’t available to every Capital One customer, but Capital One doesn’t disclose who is eligible for instant card information. In the same way, all Amex cards give the potential for instant numbers, but aren’t guaranteed to give you one.

And if you’re interested in a store card, make sure to ask if they offer instant use first. Lastly, when your physical card arrives by mail in 7-10 business days, be sure to activate it right away.

You can use a credit card before it arrives in the mail if it is an American Express credit card or one of a handful of other offers, including the Apple Credit Card, the Uber Credit Card, the Capital One Walmart Credit Card, the PayPal Credit Card, and some store credit cards. Normally, you can’t use a credit card without restriction before it arrives, because you can’t see the full credit card number, expiration date and CVV until you have the card in hand.… read full answer

If you need to start using a credit card today, you’ll likely want to consider applying for an American Express credit card. Amex is the only card issuer that will give out a full card number that can be used anywhere upon approval of an application. Capital One credit cards are also sometimes available for immediate use via the Capital One mobile app. But these cards won’t necessarily give you the credit card number, and your purchasing options may be limited.

Similarly, some credit cards that you can use before the actual card arrives - like the Walmart Credit Card and the Uber Credit Card - only allow you to add the card to a merchant-specific digital wallet. So you’ll only be able to use it with that merchant until the card arrives in the mail. Others, like the PayPal Credit Card, are more versatile because your credit line becomes available on your PayPal account – meaning you can use it to buy anything that accepts PayPal before your card comes in.

Lastly, it’s worth noting that you can ask a credit card issuer for expedited card delivery – in some cases, this will get the card to you the next day. Finding a card that you can use before it arrives in the mail might seem less important with that in mind.

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit. You can get approved for it even with bad (300) credit. It offers a $300 starting spending limit. And you can use it wherever VISA is accepted.

This isn’t your only option, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,500+ offers. And we selected our favorite easy-to-get offers.… read full answer

Here are some of the easiest unsecured credit cards to get approved for:

• Rewards: Credit One Visa.
• Small businesses: Capital One® Spark® Classic for Business​.
• No credit: Capital One Platinum Credit Card
• No annual fee: Petal® 2 Visa® Credit Card.
• Easiest store card: Fingerhut Credit Account.
• Students: Journey Student Rewards from Capital One.

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​.