To get an instant credit card number, apply online for a credit card from American Express or another issuer that provides instant card numbers for its credit cards. If you’re approved, you will receive your instant credit card number, the card’s expiration date, and the security code. This information may be included in your online approval notification or through a link sent to your e-mail address.
Once you have your instant credit card number, you can use it to make purchases online, by phone, and in person if the merchant accepts digital wallet payments. If the merchant doesn’t accept digital wallet payments, you will have to wait until you receive your physical credit card in the mail to make in-person purchases, which is usually within 7 to 10 days of approval.
Best Options for Instant Credit Card Numbers
You should be aware that American Express is the only major issuer that offers instant credit card numbers on all of its consumer cards. Other issuers will allow you to access instant credit card numbers on select credit cards, with some restrictions.
For example, Bank of America and Capital One offer instant credit card numbers to existing customers who open a new account through their mobile app. Other issuers limit instant credit card numbers to certain co-branded cards affiliated with retail stores, hotels, and airlines. Contact the credit card issuer directly for specifics on their rules regarding instant credit card numbers.
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