Terms and conditions apply to American Express benefits and offers. Visit americanexpress. com for more information.
If you want to quickly get a new credit card to fund an emergency expense or other giant purchase, you can’t wait 10 business days for it to arrive in the mail. Fortunately, some cards offer you InstantArray, allowing you to complete your purchases without delay once approved.
Below, CNBC Select lists credit cards that offer instant access or the ability to pay with the card before receiving the physical card in the mail, adding a few choice features if your credit score wants to improve.
Almost all American Express cards offer the option to get an instant card number once your identity has been verified. If your card application is approved and you are eligible for instant access, you will get your card number, a four-digit temporary identity number. and an expiration date that will allow you to use the card anywhere American Express is accepted.
Earn 4x Membership Rewards® issues for every dollar spent on restaurant purchases worldwide, up to $50,000 in purchases per calendar year, then 1x issues for the rest of the year. 4x Membership Rewards® issuances per dollar spent in the US consistent with markets, up to $25,000 in purchases consistent with the calendar year, then 1X issuances for the rest of the year, 3X Membership Rewards® issuances consistent with the dollar spent on flights booked with airlines or on amextravelArraycom, 2X Membership Rewards® issuances consistent with dollars spent on prepaid hotels and other eligible purchases booked on AmexTravel. com. 1X Membership Rewards® issues consistent with the dollar spent on all other eligible purchases.
Earn 60,000 Membership Rewards® issues after spending $6,000 on eligible purchases with your new card during the first 6 months of card membership. Plus, get 20% back on credits on eligible purchases made at restaurants around the world for the first 6 months after card membership. , up to $100 off. Limited time offer. Offer ends 11/06/24.
$325
Not applicable
See amortization APR over time
N/A
None
Excellent/Good
See rates and fees, apply.
Read our information about the American Express® Gold Card.
The total rewards come with the issues earned with the welcome bonus.
The American Express® Gold Card is a wonderful option for earning travel rewards on dining and grocery spending. It also has several useful benefits that more than offset the annual club fee (see fees and payments). You’ll earn up to $120 in Uber Cash each year ($10 per month), which can be used for Uber rides and Uber Eats orders. You will need to have downloaded the most recent edition of the Uber app and your eligible American Express Gold card will need to be a Payment Method in your Uber account. Amex benefits can only be used in the United States. You can also earn up to $120 in restaurant credits each year (up to $10 in credits per month when you pay with your card). ) on Grubhub, The Cheesecake Factory, Goldbelly, Wine. com and Five Guys. Registration is required.
6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Get $250 credits after spending $3,000 on eligible purchases with your new card for the first 6 months.
$0 annual introduction for the first year, then $95.
0% for 12 months on purchases from the date of account opening
19. 24% – 29. 99% variable
Either $5 or 3% of the transfer amount, whichever is greater.
2,7%
Excellent/Good
See rates and fees, apply.
The total rewards come with the cashback earned with the welcome bonus.
Anyone who needs to make money, and a lot of money, will love the Blue Cash Preferred® card from American Express. You get cashback bonus in a variety of categories that cover daily spending, adding US streaming subscriptions, and more. U. S. Transportation Station, U. S. Fuel Stationsand subscriptions in EE. UU. de accordance with the Array marketplaces. Cash back is earned in the form of reward dollars that can be redeemed as credits. You can also earn up to $84 in Disney Bundle credits each year ($7 per month after making eligible purchases of at least $9. 99). Registration is required.
Here are some other Amex cards that offer the opportunity to get an instant card number:
You can use some Chase credit cards before you get the physical card by linking it to a cell wallet. As long as the provider accepts cellular wallet bills from facilities like Apple Pay, Google Pay, or Samsung Pay, you’ll be able to use your Chase Card without delay after approval. The option to immediately link your card to a virtual wallet is rarely available for Mastercard, corporate credit cards, or Amazon cards (although those cards can be used instantly for purchases on Amazon).
Get benefits like 5x on purchases through Chase Travel℠, 3x on restaurants, choose streaming and online grocery services, 2x on all other purchases, 1x on all other purchases and a $50 annual hotel credit on Chase Travel, and more.
Earn 60,000 bonus issues after spending $4000 on purchases during the first 3 months from account opening. That’s $750 when you redeem Chase Travel℠.
$95
None
21. 49% – 28. 49% variable in purchases and transfers
That’s $5 or 5% of the transfer amount, whichever is greater.
None
Excellent/Good
Conditions apply.
Read our review of the Chase Sapphire Preferred® Card.
The Chase Sapphire Preferred® Card is one of the most productive credit cards for beginners and offers benefits that experienced cardholders can enjoy. Allows you to earn flexible Chase Ultimate Rewards® issues, which can be seamlessly redeemed for cash back, gift cars, and Array. With this car, you can also transfer Chase emissions to any Ultimate Rewards partner, adding World of Hyatt, Emirates Skywards, United MileagePlus. and Southwest Quick Rewards. Sapphire Preferred is also generous with its acquisition policies, adding built-in protections like holdup reimbursement, number one rental car insurance, acquisition protection, and extended warranty policy.
Enjoy 4. 5% cashback on purchases at pharmacies and restaurants at eat-in locations, adding eligible delivery and takeout services, 6. 5% cashback on purchases through Chase Travel℠, our first rewards program that lets you redeem rewards for cashback, travel, gift cards and more and 3% cashback on all other purchases (up to $20,000 spent in the first year). After the first year or $20,000 spent, enjoy 5% cash back on purchases through Chase Travel℠, 3% cash back on pharmacy purchases and dining venues, adding takeout and eligible delivery, and 1. 5% unlimited cash back on all other purchases.
OFFER INTRODUCTION: Get an additional 1. 5% cash back on everything you buy (up to $20,000 spent in the first year) – up to $300 in cash back!
$0
0% during the first 15 months from account opening on purchases and transfers
20. 49% – 29. 24% variable
Down payment of $5 or 3% of the transfer amount, whichever is greater, on transfers made within 60 days of account opening. After that, $5 or 5% of the transfer amount, whichever is greater.
3% of any and all transactions in U. S. dollars
Excellent/Good
Member of the FDIC. Conditions apply.
Read our review of Chase Freedom Unlimited®.
Anyone interested in getting money back and not paying an annual payment will appreciate Chase Freedom Unlimited®. Provides at least 1. 5% cash back on all purchases, as well as bonus cash back at pharmacies, restaurants, and purchases through Chase TravelSM. With a new Freedom Unlimited account, you can also take advantage of a 0% introductory APR on purchases and balance changes for 15 months. After the maturity of the introductory APR, a variable APR of 20. 49% to 29. 24% applies. There is an introductory move-in payment of 3% of the amount of each move ($5 minimum) for the first 60 days, and then the popular balance transfer payment of 5% of the amount of each move ($5 minimum) applies.
Here are some other Chase cards that offer the option to spend with a virtual wallet before getting your physical card:
Capital One can provide you with instant feedback upon approval. You may want to log in to your Capital One account with your card number.
5X miles on hotels, vacation rentals, and reserved rental cars Capital One Travel 2X dollar-consistent miles on all other purchases
Get $250 to use on Capital One Travel during your first year as a cardholder and earn 75,000 bonus miles once you spend $4,000 on purchases in the first 3 months of account opening; That’s $1,000 in travel.
$95
N/A for purchases and transfers
19. 99% – 29. 99% variable
$0 for move-in APR, 4% of the amount of moved balance that is posted to your account with a promotional APR that Capital One would possibly be offering you.
None
Excellent/Good
Conditions apply.
With the Capital One Venture Rewards Credit Card, earn at least double miles on every purchase. This is a wonderful commendation rate, especially when you consider how useful Capital One miles are. You can use those miles to make transparent ride purchases at a rate of one cent per mile. You can also transfer the miles you earn with your Capital One Venture card to airline and hotel loyalty systems such as Avianca LifeMiles, Wyndham Rewards, and Air Canada Aeroplan. The card also offers a variety of other benefits such as Hertz Five Star prestige (registration required), Global Entry or TSA PreCheck credits, and no foreign transaction fees.
Get 10% cash back on purchases made through Uber and Uber Eats, plus Uber One club loose credits through 11/14/2024, 8% cash back on Capital One Entertainment purchases, unlimited 5% cash back on booked hotels and rental cars. through Capital One Travel; Terms apply: 3% cash back at restaurants and grocery retail establishments (excludes large retail establishments like Walmart® and Target®), 3% cash back at popular streaming and entertainment services, and 1% cash back on all other purchases.
Get a one-time $200 cash bonus after spending $500 on purchases during the first 3 months from account opening.
$0
0% introductory APR on purchases and transfers for 15 months
19. 99% – 29. 99% variables
3% during the first 15 months; 4% on a promotional APR that Capital One would possibly be offering you at any other time
None
Excellent/Good
Conditions apply.
Read our review of the Capital One SavorOne Cash Rewards credit card.
Few cards can match the combination of cashback rewards you can earn with the Capital One SavorOne Cash Rewards Credit Card for purchases such as dining, entertainment, streaming services, and groceries. You’ll also receive 10% cashback on Uber and Uber Eats purchases and monthly credits to cover Uber One club fees through November 14, 2024.
Here are some other Capital One cards that may offer instant access:
U. S. Bank provides instant access to your credit cards. However, reports recommend that this service may not be available to all applicants. You’ll want to get approved right away and verify your identity to get instant access to your new US bank credit card.
Quadruple trouble at restaurants, takeout and delivery at restaurants, double trouble at streaming services, double trouble at grocery stores, grocery delivery, fuel stations and electric vehicle charging stations (discount stores/supercenters and wholesale clubs excluded as of September 9, 2024), 1X point on all eligible purchases
Earn 25,000 bonus issues when you spend $1,000 on qualifying purchases within the first 90 days after account opening.
$0
0% for the first 12 billing cycles on transfers and purchases
18. 24% – 29. 24% (variable)
Either 3% of the transfer amount, or a minimum of $5, whichever is greater.
None
Excellent
See rates and fees, apply.
The U. S. Bank Altitude® Go Visa Signature® Card is a wonderful restaurant credit card with no annual fee. It also offers streaming credits, no foreign transaction payments, and a generous introductory 0% APR offer. As a new member of the US Bank Altitude Go Card, enjoy a 0% introductory APR on purchases and balance movements for the first 12 months, then a variable APR of 18. 24% to 29Array24% applies. A move-in balance payment of 3% of the amount you move in applies with a minimum of $5.
5x emissions on prepaid hotels and car rentals booked directly at Altitude Rewards Center, 3x emissions on every dollar spent on mobile wallets and eligible wallets on Apple Pay®, Google Pay™ and Samsung Pay.
Earn 50,000 bonus issues (worth $750 while traveling) after spending $4500 in the first 90 days of account opening.
$400
N/A
22. 24% to 29. 24% (variable)
3% of move-in amount or $5 minimum
None
Good/Excellent
See rates and fees, apply.
The U. S. Bank Altitude Reserve® Visa Infinite® Card is a premium credit card with easy-to-use benefits that help justify your annual payment. Each year, earn up to $325 in creditsss toward travel and dining purchases, and earn those credits automatically each and every time you make an eligible purchase. You can also sign up for a Priority Pass airport lounge club that gives you 8 free visits per year. Every 4 years, you can earn up to $100 in credits toward your TSA PreCheck or Global Entry application payment. It also does not have foreign transaction payments or protections such as lost luggage reimbursement, protection against twists of fate on trips and road shipping.
Here are some other US credit cards that offer instant access:
If your Citi card application is approved immediately, you will be able to have immediate access to your card information. However, reports recommend that you do not have instant access to all Citi credit cards. It is also very likely that you will not have instant access to your entire line of credit.
Earn 5% cash back on purchases in your most sensible eligible spending category each billing cycle, up to the first $500 spent, and 1% cash back thereafter. Also earn unlimited 1% cash back on all other purchases. Travel Offer: Enjoy an additional 4% cash back on hotels, car rentals and attractions booked through the Citi Travel℠ portal through 06/30/2025.
Get $200 of money back after spending $1,500 on purchases during the first 6 months of account opening. This bonus on offer will be topped with 20,000 ThankYou® points, which can be redeemed for $200 cashback.
$0
0% APR on transfers and purchases during the first 15 months
19. 24% – 29. 24% variable
5% of the movement balance (minimum of $5)
3%
Excellent, good
View and rates. Conditions apply.
Read our review of the Citi Custom Cash® Card.
The Citi Custom Cash Card is a cashback card with strict bonus categories that are tailored to your spending habits. You’ll get 5% cash back in the eligible category in which you spend the maximum in the month (up to $500 consistent with the billing cycle). Custom Cash Card has no annual payment and with a new account, you earn an introductory 0% APR for 15 months on purchases and balance movements, after which a variable APR of 19. 24% to 29. 24% applies. There is a balance movement fee of 5% of the move-in amount with a minimum of $5.
As a special offer, get five ThankYou® emissions for every $1 spent on hotels, car rentals, and attractions booked in CitiTravel. com through December 31, 2025. Get double ThankYou® emissions at your markets and fuel stations for the first $6,000. consistent with the year, then 1X points thereafter. Plus, get 1x ThankYou® emissions on all other purchases
Earn 20,000 bonus issues after you spend $1,500 on purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at merci. com
$0
0% initial APR on balances for 15 months from the date of the first and on purchases from the date the account is opened.
18. 74% – 28. 74% variable
There is an introductory balance transfer payment of 3% of the transfer (minimum $5) made within the first four months of account opening. After that, your payment will be 5% of the transfer (minimum $5)
3%
Good/Excellent
View and rates. Conditions apply.
The total rewards come with the issues earned with the welcome bonus.
The Citi Rewards card pairs well with other Citi credit cards because it provides you with 10% cashback on issue redemptions (on the first 100,000 issues redeemed each year). These earning benefits apply when you transfer matters to travel spouses, making Citi Rewards an excellent spouse for the Citi Strata PremierSM Card because Strata Premier unlocks access to all Citi travel spouses (see pricing and payments). When you open a new account, you also enjoy an introductory 0% APR for 15 months on purchases and balance movements, then apply a variable APR of 18. 74% to 28. 74%. A move-in balance payment of 5% of the amount you move ($5 minimum) also applies.
Here are some other Citi cards that offer instant access:
If you open a co-branded credit card or credit card in-store (online or in-store), you can start using your card right away. You will regularly get a transient card number or barcode on your receipt that will allow you to use the card at the retailer.
Store cards can only be used at the retailer, but co-branded cards can be used anywhere they are accepted. However, only one co-branded transient store card may be accepted at that store, as reported through reports with the Costco Anywhere Visa® Card from Citi and Prime Visa. If you deployed in-store, you may have to wait to use the card elsewhere until it arrives in the mail.
Get unlimited 5% off purchases at Amazon. com, Amazon Fresh, Whole Foods Market, and Chase Travel with an eligible Prime membership, an unlimited 2% reduction at gas stations, restaurants, and on public and local transportation (including rideshares), 10% or more off a rotating variety of parts and categories in Amazon. com with an eligible Prime membership, Unlimited 1% cashback on all other purchases
Get a $100 Amazon gift card instantly upon approval exclusively for Prime members
$0 (but Prime club required)
None
20. 49% – 29. 24% variables
That’s $5 or 4% of the transfer amount, whichever is greater.
None
Excellent/Good
Conditions apply.
The total rewards come with the issues earned with the welcome bonus.
Prime Visa is available to Amazon Prime members and offers 5% cashback on Amazon, Amazon Fresh, and Whole Foods. These high cashback rates make it the most sensible car for Amazon spending and add to the cashback bonus at locations. gas stations, restaurants and public transport. It also offers a variety of built-in protections, adding acquisition protection, extended warranty protection, destination turn insurance, and rental car collision coverage. You can access your Prime Visa through your Amazon account and use it. Immediately for Amazon purchases, but you have to wait until you get the car to use in other stores.
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1%); 3% cash back on restaurants and eligible travel purchases; 2% cash back on all other purchases from Costco and Costco.com; 1% cash back on all other purchases
No offers
$0, Costco club required
N/A for purchases and transfers
20. 49% variable
5% balance transfer; $5 minimum
None
Excellent
View and rates. Conditions apply.
Citi’s Costco Anywhere Visa® card will be convenient if you’re a Costco member and want to save on fuel (and EV charging) costs. You want a Costco club to qualify for this card, but there is no additional annual payment on most club fees. It also offers cashback bonus at restaurants, eligible rides, fueling stations and electric vehicles, and purchases at Costco (and Costco. com).
Below are other popular store and co-branded cards that can offer instant access:
Find the credit card you need by reviewing offers on our Credit Card Marketplace or get personalized offers through CardMatch™.
If you’re trying to rebuild your credits or don’t have a credit history, you may want to open a credit card that’s easier to obtain. These cards offer fewer rewards, but they can help you generate credits if you consistently pay your bill. on time and in full.
The U. S. Cash+® Visa® Secured Card Bank is a secured credit card, meaning you’ll need to make an initial refund deposit ($300 minimum) on which your credit restriction is based. However, because you make a deposit, it is less difficult to get approved. This card also allows you to get money back, which is not unusual for this type of credit card. Once approved, you may be able to use your card before it arrives. However, some online reports recommend that you may have to wait a few days before you can access your card.
5% cash back on your first $2,000 on combined eligible purchases for the quarter in two categories of your selection, 2% cash back on eligible purchases in a daily category of your selection (such as gas stations, grocery stores, and restaurants), and 1% cash back on all other eligible purchases
None
$0
None
29. 99% variable
Either 3% of the move amount or a minimum of $5, whichever is greater.
3%
Poor/None
The Capital One Platinum credit card does not offer rewards or welcome bonuses. However, this is an unsecured credit card, meaning no initial deposit is required and you can get it if you have a moderate amount or more. This makes it a counterfeit credit card for construction credits. There are also no annual fees or foreign transaction fees. Capital One offers instant access to your card number through the app, but not always.
None
None
$0
None
29. 99% variable
4% of the transferred balance amount posted to your account with a promotional APR that Capital One may be offering you
None
Regular/Good
Conditions apply.
As can be seen from the cards mentioned above, instant card numbers come primarily from issuers such as Capital One, American Express, and co-branded or store cards. This excludes many major card issuers, such as Discover, so you have to wait around 10 business days to receive those cards in the mail before you can use them.
However, you may be able to get your new card faster if your premium card application is approved. Many issuers offer expedited shipping for high-end cards or on-demand for any card.
Please note that if you request faster shipping, you may be required to pay a fee. Before applying, ask yourself if you really want the card as soon as possible and if the payment is worth it. Otherwise you can wait. so that it arrives by mail.
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For rates and the American Express Blue Cash Preferred® Card, click here.
For fares and the American Express® Gold Card, click here.
For fares and the American Express Platinum Card®, click here.
For rates and the Amex EveryDay® Credit Card, click here.
For rates and the American Express Cash Magnet® Card, click here.
For rates and fees for the Delta SkyMiles® Blue American Express Card, here.
For Delta SkyMiles® Reserve American Express card fares and fares, click here.
Information about the American Express Cash Magnet® Card, Amex EveryDay® Credit Card, Apple Card, Bloomingdale’s Credit Card, Target RedCard™, Prime Visa, Amazon Visa, Amazon Prime Store Card, and Amazon Store Card, U. S. Bank Altitude ® Connect Visa Signature® Card, U. S. Visa® Triple Cash Rewards Business Card Bank, U. S. Visa Signature® Card Bank Cash+® collected independently through CNBC Select and has not been reviewed or provided by the card issuer. map before publication. If you purchase something through Amazon credit card links, we may earn a commission.
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