7 Best Student Credit Cards Instant Approval

Since student credit cards have a longer approval process, we have reviewed the top 7 regular credit cards that have instant approval and are easy to get. All of these cards provide you with credit card numbers immediately after approval and they can be added to your digital wallet for use right away.

Lender	Scholaroorating	Our view	APR Rates %	Minimum Credit Score	Learn more
Blue Cash Preferred® Visit website	4.9/5	Good for Cash Back Rewards	18.74-29.74	690	Visit website
Blue Cash Everyday® Visit website	4.8/5	Great for Everyday Purchases	18.74-29.74	690	Visit website
Chase Freedom Unlimited® Visit website	4.7/5	Good Cash Back Benefits	19.74-28.49	660	Visit website
Quicksilver Cash Rewards Visit website	4.6/5	Simple and Quick Approval Process	19.74-29.74	690	Visit website
Walmart Rewards® Mastercard® Visit website	4.5/5	Good for Low Credit Scores	17.99-29.49	640	Visit website
Costco Anywhere Visa® Visit website	4.3/5	Best for Costco Wholesale Members	19.99-29.99	720	Visit website
Prime Rewards Visa Signature Visit website	4/5	Good for Amazon Shoppers	18.74-26.74	700	Visit website

The Blue Cash Preferred® Card from American Express has a quick approval process and you can have the card number immediately for ready to use. It is a great card for people looking for cash back rewards. With this card, you can earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases) and 3% cash back on U.S. gas station purchases and at select U.S. department stores, as well as 1% cash back on all other eligible purchases. Once you are approved you can add the card number to your digital wallet and start using immediately. 

• There is 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases
• You can earn. 3% cash back on U.S. gas station purchases and at select U.S. department stores, as well as 1% cash back on all other eligible purchases.
• There is no annual fee.
• You will get access to exclusive Amex Offers, giving you even more value for your purchases

• There is a a high cash advance APR of 25.24%
• Cash advances and balance transfers incur fees of either $5 or 3% of each transaction, whichever is greater
• Possible penalty APR of up to 29.99%
• You will be charged foreign transaction fee of 2.7%

Another American Express card that you can get instantly is the Blue Cash Everyday®. This card can also be added to your digital wallet once you have the number assigned after approval. It is an excellent choice for anyone looking to earn cash back rewards on their everyday purchases. You can earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases) and 2% cash back on U.S. gas station purchases and at select U.S. department stores, as well as 1% cash back on all other eligible purchases. 

• You will earn 3% cash back at U.S. supermarkets, on up to $6,000 per year in purchases
• Get 2% cash back on U.S. gas stations and at selected U.S. department stores, as well as 1% cash back on all other eligible purchases
• You can have extended warranty and protection
• You will not be charged any annual fee

• This card also has a high cash advance APR of 25.24%
• You will be charged $5 or 3% of each cash advance or balance transfer, whichever is greater
• There can be a penalty of up to 29.99%
• A high foreign transaction fee of 2.7%

The Chase Freedom Unlimited® is also available to use instantly after approval. You can just add it to your digital wallet and start spending. This is a great rewards card and you can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter that you activate, and 1.5% cash back on all other purchases. You also get a 0% introductory APR on purchases and balance transfers for first 15 months. 

• You get 0% introductory APR on purchases and balance transfers for the first 15 months 
•  5% cash back on up to $1,500 in combined purchases each quarter that you activate
• Additional benefits such as extended warranty protection, purchase protection, price protection, and more
• Easy to add to digital wallet and use

• After the introductory period ends the APR increases
• The 5% cash back is limited to bonus categories that must be activated each quarter
• No sign-up bonus for new cardholders
• Foreign transaction fee of 3% for purchases made outside of the U.S.

The Capital One Quicksilver Cash Rewards is an easy to use credit card without any complicated reward points. The approval process is simple and quick if you meet the eligibility criteria and the number can be used instantly through digital card. In rewards you’ll earn a flat 1.5% cash back on all purchases, with no limits or tiers. YOu can also get an introductory bonus of $150 after you spend $500 on purchases in the first 3 months. The card also offers a 0% APR promotional period on both balance transfers and purchases for the first 15 months, making it a great choice for those who need to pay down debt or finance a large purchase. With no annual fee and extra benefits this credit card is a great choice.

• You will earn a flat 1.5% cash back on all purchases, with no limits or tiers.
• You can get the Introductory bonus of $150 after you spend $500 on purchases in the first 3 months
• 0% APR promotional period on both balance transfers and purchases for the first 15 months
• The approval process is simple and easy

• ow rewards rate of 1.5%, compared to other cards with higher rates
• No sign-up bonus for balance transfers
• High regular APR after the promotional period ends
• No additional benefits on travel or restaurants

Most Capital One cards have an instant approval process. The Capital One Walmart Rewards® Mastercard is a great option to start building credit and get instantly approved as well. With this card, you’ll earn 5% back on all purchases made at Walmart.com and 2% back on in-store Walmart purchases, as well as at restaurants, gas stations, and travel purchases. Additionally, you’ll get 1% back on all other purchases. The card also offers no annual fee and a 0% introductory APR on both balance transfers and purchases for the first 12 months after opening your account. 

• There is a instant approval process for student applications
• You can Earn 5% back on all Walmart.com purchases and 2% back on in-store Walmart purchases, as well as at restaurants, gas stations, and travel purchases
• It’s easy to get and apply for
• 0% introductory APR on both balance transfers and purchases for the first 12 months

• High APR after the introductory period ends
• 5% cash back is limited to Walmart.com purchases, meaning you won’t get top rewards for other types of spending
• Limited additional benefits, such as no travel and purchase protection
• Penalty fees apply if you don’t pay your balance in full each month

The Costco Anywhere Visa® Card by Citi is a good option if you want a credit card approved and ready to use instantly. There are great benefits for members of Costco Wholesale and you can earn 4% cash back on eligible gas purchases worldwide (on up to $7,000 per year), 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com, 1% cash back everywhere else Visa is accepted. 

• You can earn generous rewards of 4% cash back on eligible gas purchases, 3% cash back on restaurants and eligible travel purchases
• Get 2% cash back on all other purchases from Costco and Costco.com and 1% cash back everywhere else Visa is accepted
• You can have special financing options  for  large purchases made with the card.
• You also have Fraud protection, extended warranty coverage and emergency assistance

• The card has high interest rate of APR of 19.99% – 29.99%. This could be costly if you don’t pay off your balance each month
• There is no introductory APR or promotional rate available on the card, meaning you will pay interest right away
• You won’t be able to earn rewards on some items such as prescriptions and tobacco products
• You can be charged a foreign transaction fee outside United States

The Amazon Prime Rewards Visa Signature Card is an all-in-one rewards credit card that can be used instantly after approval. Through this card you can earn points on purchases at Amazon and Whole Foods Market and redeem them for rewards. Cardholders earn 5% cash back on all Amazon.com purchases and 2% back at U.S. gas stations, restaurants, and drug stores. You can enjoy extra benefits such as free two-day shipping, exclusive discounts, and special offers. The card comes with no annual fee and is available to both Amazon Prime and non-Prime members.

• You can earn 5% cash back on all Amazon.com purchases and get 2% back at U.S. gas stations, restaurants, and drug stores
• You can get this card even without Prime membership
• You also get exclusive benefits such as free two-day shipping and special offers
• There is Increased security  to protect your account from fraud

• High APR of 18.74%-26.74% if you don’t pay off balance each month
• Rewards are limited to Amazon.com and Whole Foods Market purchases, which may not suit everyone’s spending habits
• No introductory APR meaning you will pay interest right away
• If you are using it outside U.S. you might be charged a fee

Most credit cards have some general eligibility requirements and some specific ones depending on the card and its features. We have listed the general criteria of qualification but you may need to check each card for their detailed requirements before finalising the application:

• You must be 18 years old and 19 for some cards
• You should have a U.S. Bank account, a valid U.S. address and a social security number
• You should be able to pass a credit check
• Proof of income will be required and the minimum annual income will be dependant on the type of card
• You should not have any bankruptcy or fraud charges

There are several credit cards that offer instant approval, these include American Express cards, Capital One, Chase, Amazon Prime Rewards and Costco Anywhere Visa by Citi. All of these have quick approval processes and card numbers are available instantly to be used through a digital wallet.

It is possible for foreign students to get a credit card in the US instantly, although the requirements may vary depending on the specific cards. Generally, applicants must be 18 years of age or older, have a valid Social Security Number or Individual Taxpayer Identification Number, and have a good to excellent credit score (700 or higher). Additionally, many cards require applicants to have a current U.S. address, so foreign students should check all eligibility requirements before applying.

The most used student credit card in the U.S. is the Discover it® Student Cash Back and Student Chrome credit card. These cards have different cash back offers and benefits which can be useful for students. So make sure to compare the two before finalizing.

Student Credit Cards dont offer instant approvals as the banks usually have a longer list of requirements. However if you have a good credit history and score you can apply for the normal credit cards that can be approved quickly and are instantly usable.