8 Best Instant Approval Credit Cards with Instant Use

If you submit a complete application online with verifiable information and are able to meet Amex Gold’s high minimum income and credit requirements, you can get approved immediately. American Express Gold credit card can be instantly used after approval through a digital wallet too.

You can get your instant credit card number only when you apply for the card online or via phone, through the link provided in the welcome email that you will receive shortly after approval. After adding the number to your digital wallet, you can start performing transactions online or at any store that accepts digital wallets.

The American Express Gold credit card comes with substantial perks, including 4x points at restaurants and groceries, and 3x points on flights. The cardholders may also earn 60,000 points as a welcome bonus on spending $4,000 on purchases in the first 6 months of getting the card. Even though the card has a high annual fee of $250, there is no balance transfer or foreign transaction fee associated with using the card. It also offers a Pay Over Time feature which allows the paying of eligible charges over time with interest.

Capital One Quicksilver Student Cash Rewards offers instant approval within 60 seconds on complete online applications with verifiable information that meets the eligibility requirements. After approval, they give out virtual card numbers to eligible customers that can be used right away online to pay for purchases. The actual card may take up to 10 business days to be received in the mail.

The Quicksilver card with no annual fee and is designed specifically for U.S. students who have fair credit, students who are new to the country, or have been authorized users on another card. It offers an unlimited 1.5% cash back on everyday purchases. Students can earn a higher percentage in cash back on limited categories including 10% on Uber, and 5% on hotels and rental cars. There is also a $50 welcome bonus offered on spending a hundred dollars in the first quarter.

Your Chase Sapphire Preferred® Card can be used instantly upon approval by adding it to a digital wallet through the Chase mobile app. With this card, you can start earning reward points right away and use them for various travel-related categories and also in restaurants. In the first 3 months of use, the cardholder can earn 60,000 in points for spending $4,000 in purchases. These 60,000 points can be exchanged for $750 and used toward travel. There is also an anniversary bonus of $50 every year that you can use for the same purpose.

Moreover, the Chase Sapphire Preferred® Card offers 3x points on select streaming services, online grocery purchases, and restaurants. You can earn 5x points on travel purchases through the Chase Ultimate Rewards® and 2x on all other travel purchases. On everything else, a single point per dollar is awarded.

This card, however, requires a good credit score for approval and has an annual fee of $95 but it can be helpful in minimizing costs for frequent travelers.

Capital One® Platinum Secured® is a card for rebuilding bad credit. It requires the applicant to make a security deposit and meet other age and citizenship related eligibility requirements for approval. Eligible individuals can get approved in less than 60 seconds if they submit an online application that is complete and verifiable. Upon application approval and downloading the Capital One mobile app, eligible cardholders can access their credit card number which they can use to make purchases instantly.

This secured card has a low minimum security deposit of $49. For higher credit limits, you can deposit additional amounts up to $1000 to have a credit line equal to that. This secured card can help you start building good credit with responsible use as it reports to the major credit bureaus. By making payments on time and not maxing out your credit limit, you may get upgraded to an unsecured Platinum card and earn back your deposit over time.

There are no rewards associated with the Capital One® Platinum Secured® but it is a great card for those looking to pay $0 in annual fees, foreign transaction fees, replacement card fees, and authorized user fees.

Like all the Capital One® credit cards, VentureOne Rewards also provides instant approval on complete online applications that meet the eligibility requirements and gives access to a virtual card number to eligible cardholders for instant card use. However, this is a card available to individuals with excellent credit and a credit history of 3 years or more.

Capital One® VentureOne Rewards comes with no annual fees, no foreign transaction fees, and offers 0% intro APR for the first 15 months. It is a great card for travelers as spending on purchases earns you rewards in miles that you can use on travel-related purchases like on hotels, flights, and more. You can also use your rewards to pay for various items on Amazon.com. Cardholders earn an unlimited 1.25 miles per dollar on every purchase and an unlimited 5 miles per dollar by booking hotels and rental cars through the Capital One travel app.

The American Express Blue Cash Preferred® credit card is great for all-around rewards and initial intro offers. With an intro APR of 0% on purchases and transfers in the first year, and up to 6% in cashback, this card is ideal for families looking to maximize rewards.

Although there is a steep annual fee, this is waived for the first year, and if you regularly spend in categories like groceries and streaming services, you’ll make that up in rewards. You’ll also earn a $250 statement credit after you spend $3,000 in the first six months.

Another benefit is a 3% cash back at gas stations and the rewards aren’t capped. There is another 3% bonus category for spending on rideshares, taxis, tolls, buses, parking, and trains.

There is a $0 initial annual fee for the first year; then it’s $95 a year. There is also a foreign transaction fee of 2.7% and rates vary between 18.99% and 29.99% APR.

The Bank of America® Premium Rewards® credit card is a great option for those looking to use their credit cards immediately. Plus it comes with great travel rewards. The card offers two points per dollar spent on travel and dining, and 1.5 points on other purchases.

This card is also a good choice for existing Bank of America customers with significant account balances as cardholders can earn 25% to 75% more in rewards.

Unlike some cards that limit you to specific airline or hotel chains, the points earned with this card can be redeemed for cash back, travel, gift cards, or to offset the cost of recent purchases, offering great flexibility.

The card comes with a 20.24%-27.24% variable APR and an annual fee of $95.

The Chase Freedom Unlimited® Card is a good option for those looking for flexible rewards. It has a good sign-up bonus – more than most cash-back cards. The card has no annual fee, and you’ll need a good to excellent credit score to apply.

As a welcome bonus, you can earn an additional 1.5% cash back on all purchases, up to $20,000, in the first year. You also enjoy 6.5% cash back on travel purchases through Chase Ultimate Rewards®.

There is a 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.24 to 28.99%.