Which bank gives instant credit card approval?

If you need a credit card today, you should apply for either an American Express card, a Capital One card or one of the 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.

Some of the Best Credit Cards You Can Get Today

The Amex Blue Cash Everyday offers $200 statement credit after spending $2,000 in the first 6 months. The card also gives 3% cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent per year in each category), as well as 1% back on all other purchases, earned as statement credits. This card has a $0 annual fee.

The Costco Credit Card offers 4% cash back on eligible gas and and EV charging purchases (up to $7,000 spent per year), 3% back on restaurants and travel, 2% back on Costco and Costco.com purchases, and 1% back on all other purchases. This card has a $0 annual fee but you must be a Costco member to get it. Th card gives a temporary code to scan at checkout until the actual card arrives.

The Capital One QuicksilverOne offers 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. This card has a $39 annual fee. Must be an existing Capital One customer to see your card information through the app.

The Capital One Platinum Secured card requires a minimum security deposit of $49, $99 or $200. Your credit line will always be at least $200. This card doesn’t offer rewards. Capital One Platinum Secured has a $0 annual fee. Must be an existing Capital One customer to see your card information through the app.

The Target Credit Card offers 5% discount at Target and Target.com. The card has a $0 annual fee. Target Credit Card gives a temporary number after approval to use until your card comes.

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.

The banks with the easiest credit cards to get include Bank of America and Capital One. Both of these major banks are common choices for first credit cards. That’s because both have credit cards for every level of credit standing.

If you have bad credit or no credit, the best banks are the ones that offer ... read full answersecured credit cards. Capital One, Bank of America, Citibank, and U.S. Bank are some of the major banks that offer this type of cards. Secured credit cards require a deposit, which serves as your credit limit. And in general, you can get a secured credit card with bad credit.

Here are some of the easiest credit cards to get:

Other things to consider before getting a credit card:

It's worth noting that any previously-existing relationships you have with banks may come in handy, too. If the bank you have a checking account with offers a credit card, that will likely be an easy bank to get a credit card from.

Your established relationship with your bank gives them access to your day-to-day deposit account history, which doesn’t show up on your credit report. So, that’s extra potentially good information that’s available to your bank and not to other card issuers you might apply for a credit card with.

Yes, Citibank does offer instant approval on its credit cards, but only some of the time. Instant approval is always possible when applying for a Citibank credit card online, though getting approved for an account immediately is never guaranteed.

Fortunately, there are several things that can increase your chances of getting approved right away, from having a high credit score to making sure you fill out the application accurately.... read full answer

Factors That Increase the Odds of Instant Approval With Citibank

• High credit score:
  The more your credit score exceeds a card’s requirements, the more likely you are to get approved right away.
• High income:
  The more money you make, the less risky you are as a borrower, and the easier it is for the issuer to make a decision. That’s especially true if you have little or no existing debt.
• Online applications:
  Applying online is the most streamlined application method, so if you want a shot at instant approval, that’s the route you should take.
• Accurate information:
  Having outdated or incorrect information on your credit card application can delay your approval, so always make sure to double-check everything before submitting it.
• Unlocked credit reports:
  If your credit reports are frozen, Citibank will not be able to evaluate your credit history.

Keep in mind that instant approval isn’t the same thing as instant use. There are very few credit cards that you can use right away after getting approved, rather than having to wait for the card to arrive by mail. You can learn more from WalletHub’s instant credit cards guide.