John Miller, Credit Cards Moderator
@john_miller
An instant issue credit card is a type of card that can be printed and handed to you on the spot, either when opening an account or when requesting a replacement. However, this feature isn’t very common in the U.S. Some credit unions and smaller banks may offer it, but for the most part, you’ll need to wait for the card to be mailed to the address on file, which usually takes 7-10 business days.
A Few Companies That Issue Credit Cards Instantly
- Fox Communities Credit Union
- Carolinas Telco Federal Credit Union
- Members Trust of the Southwest Federal Credit Union
Even if you can’t always walk out with a physical card, that doesn’t necessarily mean you won’t be able to access your credit line right away. Some issuers, like Bank of America, Capital One or American Express, may let you use a digital or temporary card number immediately after approval, so you can start making purchases before the actual card arrives. This is also a common practice with store credit cards, as many retailers can print a temporary card number on the spot for immediate use.
That said, policies on instant use can vary, and you’re not always guaranteed to be able to use the card right after approval. If instant access to your credit line is something that you’re counting on, it’s a good idea to check with the issuer before applying, to confirm whether they offer this option and what the conditions are.
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People also ask
Which bank gives instant credit card?
Banks like American Express, Capital One and Bank of America may offer instant approval, and even instant access to your credit card’s line of credit through features like temporary card numbers or digital cards. But not everyone may be eligible for instant approval or access, and you’ll likely have to apply online in order to have a chance.
However, note that the physical credit card will not be issued instantly. Instead, it will be mailed at the address on...
read full answer by John Miller, Credit Cards ModeratorHow do I get a credit card fast?
The fastest way to get a credit card is to apply online because you could be approved instantly, and you may even receive an instant card number so you can make purchases right away. You can also request expedited shipping to receive your actual card as soon as possible.
Steps to Get a Credit Card Fast
Apply online
This is the fastest way to get your application to the issuer.
Apply...
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