October 26, 2020
Full List of Credit Cards That Issue Instant Card Number Upon Approval

Best Instant Approval Credit Cards in 2020

Instant approval credit cards: Are you looking to apply for a credit card that you can put to use right after you’re approved for it? Instead of waiting for a week or two to be issued a card number, you might be searching for a card that works instantly upon approval.

There are a plethora of reasons folks like yourself may need a credit card that issuance an instant card number :

  • Maybe your car insurance is about to expire and you need a few hundred dollars to renew it without delay.
  • Or maybe, a close relative or friend living overseas needs your company immediately. Thus, there’s an urgent need to purchase airline tickets. Yet, there are and many co-branded airline cards that offer bonus rewards or other perks you could benefit from. In such situations, being able to use a suitable card instantly upon approval is ideal.
  • Certain card companies offer a signup bonus that comes with a deadline to earn the bonus. The timeframe of the deadline often begins at card approval and ends soon after.
  • There are attractive upfront perks and discounts associated with nearly all co-branded credit card (partnerships between a merchant and an issuing bank) for spending within the brand. Usually, such cards offer instant credit along the time of booking the card.
  • You can opt for such cards when you’re offered a pre-approved card at the purchase stage, specifically at the time of checkout on the merchant’s website or its store location. In this scenario, if you’re approved, you can use your new line of credit to complete the purchase (and secure your perk).

Instant Approval Credit Cards For Bad Credit


Given your emergency requirements, you need to target your application efforts on instant approval credit cards that automatically issue the card number upon approval. So that you can immediately make your purchases online. Also, you have the option to request expedited shipping, whereby your new card will arrive in about two business days.

1. American Express

1. American Express

American Express is one of the best ways to get your instant approval credit card number immediately upon receiving the approval. You can request any AmEx card to receive this service. However, some customers report inconsistent results on how often the offer is available.

When you receive the offer, the online system will ask you if you want your Instant Card Number right away or not. Do not forget that this number is only temporary. Although the card number is likely to match the card number you receive by email, your CVC code and expiration date are likely to change.

Do not use it to set up an automatic billing service because you only need to change it when you activate your real card. If you do not receive an offer for an instant card number, you may receive a credit bonus on the next bank statement.

If you request a common American Express card, such as: For example, a Hilton card, you can only use this number with the common brand company. American Express must notify you of usage restrictions when you provide your instant card number.

Benefits Of The American Express Credit Card

Member Rewards: American Express credit cards offer their customers membership rewards. Provides food stamps, gift cards, coupons and deals, travel vouchers, coupons, and jewelry coupons that can be redeemed for accumulated loyalty points.

The collected points can also be used for food, travel, fashion, and accessories as well as for electronic devices and purchased with accumulated points.

Cardholder Offers: American Express is associated with leading global brands that offer their customers attractive offers. The leading brands belong to all segments: food, medical care, travel, hotels, restaurants, outlets, etc.

Online Services: With the advent of the Internet, banking can be handled easily at your fingertips. American Express offers its customers easy access to its facilities through online services. The customer can pay the bill of the card, request an additional card, view the list of transactions, etc., and in a practical way online

Insurance: The American Express card is linked to certain insurance companies in India, including ICICI Lombard, Bharti AXA General Insurance, and PNB MetLife India. It offers cardholders a variety of insurance services: travel insurance, car insurance, health insurance, accident insurance, and life insurance.

Why Choose American Express Credit Cards?

American Express credit cards offer cardholders maximum support. It includes various features such as life offers, travel benefits, recovery points, a loyalty point exchange system, and much more. international, which attracts the most valuable customers. The card is written keeping in mind the commitment of global customers.

2. Apple – Goldman Sachs


The Apple Card is an instant approval credit card that is designed for the iPhone. It is built on the tremendous success of Apple Pay. Apple has partnered with Goldman Sachs and Mastercard as the issuing bank and global payments network for the card.

The Digital version of the Apple Card is available for use in the Wallet app using Apple Pay the instant you are approved. According to the Apple website, the much-awaited card, not only “simplifies the application process”, but also is “designed to help customers lead a healthier life. “The card is being released in the US this summer.

3. Banco Bilbao Vizcaya Argentaria (BBVA)


BBVA doesn’t offer instant credit card while applying online. Yet, if you visit one of their branches and make the application in person, you may be able to get the approval and card number issued there and then.

The reason for this being you’re able to verify your identity more easily. This trick doesn’t come with sure-shot success, but it’s definitely worth the attempt.

4. Bank of America

2. Bank of America

Unfortunately, most Bank of America cards do not offer instant approval credit card numbers. Although there are pre-clearance reports which says you will receive an Instant Card Number if the credit card has been approved by Alaska Airlines B-A.

Alaska Airlines miles are one of the most valuable airline miles, thanks to a low-priced fare exchange table and a variety of airline partners, and you do not have to live in Alaska to make the most of it.

Alaska Airlines has offices in Seattle, Portland, San Francisco, Los Angeles, and Anchorage, as well as target cities in San Jose and San Diego.

It serves 115 destinations in 35 states, Mexico, Canada, and Costa Rica. If you want to go further, Alaska Airlines offers excellent point-of-sale options with partner airlines that can take you anywhere in the world.

Best of all, after purchasing $ 2,000 worth of purchases within 90 days of opening the account, the Alaska Airlines Visa Signature Credit Card now offers a 40,000 miles sign-up bonus. If you use a paid fare, you will also receive a free Alaska Airlines fare of $ 121 ($ 99, taxes and charges starting at $ 22).

This can save you hundreds of dollars and you will receive an additional charge on the anniversary of your account each year.

Earn With The Alaska Airlines Visa Signature Card:

The rate of profit is one area in which this card actually exceeds the co-branding offers of other airlines. While most maps of the major US operators.

With Alaska Airlines’ Visa Signature card, which costs 2 miles per dollar on purchases in the air, you can save three times as much when buying from Alaska Airlines.

In particular, given that TPG rates miles in Alaska at a very respectable price of 1.8 cents each, the company generates a fairly decent return on the airline.

If you travel to Alaska for work or pleasure frequently and want to increase your mileage, this card is an obvious option for airline purchases, even if you do not know, the American Express Platinum offers a great return on your purchases. Airfare purchased directly from an airline gives you 5 points.

You can not transfer these points to Alaska. Depending on your travel priorities, this may, therefore, be a contentious issue.

You can transfer Marriott points in Alaska at a rate of 3: 1 (and receive a bonus of 5,000 miles to 60,000 points transferred), but Alaska is not affiliated with any of the other three major transferable points programs. T

he possibilities for miles earned are somewhat limited. In other words, you will probably use a different card for shopping outside of Alaska, as you can beat the card’s win rate of 1 mile per dollar.

Who Is This Card For?

Of course, this card only makes sense if you want to earn and spend miles in Alaska. This does not mean that you are limited to the Alaska Airlines route network, but you should at least ensure that partner airlines understand your travel plans correctly.

This card may also be useful if you do not have Alaska Airlines Elite status but want to try these Elite benefits. Since cardholders receive free checked-in luggage (with up to six other passengers on the same reservation) when traveling in Alaska, they save $ 25 per person per trip. You do not even have to pay for your ticket with the Alaska Card to take advantage of these benefits.

After all, this card has an annual fee of $75, which is low compared to many travel credit cards. Still, not everyone wants to spend every year to keep an open credit card. So you have to decide if it’s worth it.

5. Barclaycard


Barclays never offers instant card number. However, if you apply for an Uber Visa card directly through the Uber App, you can use it immediately to pay for your Uber purchases.

Uber, the first major passenger service to offer a co-branded Instant approval credit card, has recently partnered with Barclays and Visa to offer rewards based on the specific consumption habits of its users.

Uber Visa Card offers a generous premium structure: 4% refund for every $ 1 spent on restaurants, takeaways, and bars, including UberEATS; 3% refund on hotels, airline tickets and vacation homes; 2% refund on online purchases, including retailers and subscription services such as Uber and Netflix; and 1% refund on all other purchases.

Each percentage/point has a value of 1 cent. Points can be redeemed directly in the app for cash, gift cards, or Uber-credit.

Other cards may offer more attractive interest rates and annual percentage introductory rates, but only the rewards make the Visa Uber card a great option.

And given the many benefits offered in addition to the rewards, such as online subscription purchases and mobile phone protection, this card will most certainly attract the attention of millennials and credit-resistant cardholders.

Advantages Of Visa Uber Card:

No annual fees: We like the fact that there are no annual fees, but this is quite common with cash-back credit cards. However, most refund cards in the popular categories do not offer a 4% or 3% refund, so the Uber Card is superior to many other free cards.

Profitable revenue structure: The Uber visa shines by offering you the best income for more expensive purchases (meals and travel purchases). A refund of 2% for online purchases and 1% for other purchases is the icing on the cake.

No transaction fees abroad: Some Credit cards with refunds charge transaction fees abroad for purchases abroad. This is not the case, which makes it a solid option for international travel.

6. Citi


Currently, there are two co-branded Citi instant credit cards that you can apply for to be likely to receive card numbers instantly upon approval – The American Airlines card and the AT&T card.

The AT&T card is specifically aimed at online shoppers. For this reason, Citi understands why possessing the card number is more important to cardholders than waiting for and possessing the physical card.

7. Costco Credit Card

Costco Credit Card

If you are already a member of Costco or have thought of becoming a member, you will be able to access it immediately once approved. However, you need to ask the store for immediate access. With your paid Costco subscription, there is no annual fee that can only be used in the store.

In addition to the number, you will receive a barcode that can be scanned into the box. This is also a great option for business owners who need help managing their cash flow and need restaurant supplies or even state-of-the-art equipment such as a new laptop or Printer.

It’s A Perfect Card For People Who Already Shop At Costco:

If you live near a Costco and already have a subscription, the new Costco credit card is absolutely obvious. While the new Costco credit card does not come with a sign-up bonus, it offers a surprising 4% cash refund on your first $ 7,000 spent at gas stations around the world and a 3% refund on meals. and select purchases and get a 2% refund on all other Costco purchases.

As a Visa card, this card can also be used wherever Visa is accepted. For all purchases that are not in one of the “bonus categories”, you will receive a 1% refund by default. No matter how you look at it, it’s not bad at all.

If you already have a Costco subscription that costs about $ 60 and you already buy a lot, you can save a lot of money by subscribing to the new Costco card. If you drive a lot and maximize fuel consumption, for example, you will receive a cash discount of $ 280 per year. And if there’s a lot of food and essentials at Costco, you can earn much more with ease.

For example, suppose you spend about $ 1,000 a month on food, toiletries, and personal care products at Costco. At the end of the year, you will receive $ 240 worth of additional bonuses, all to buy items you would have bought anyway. It’s nice to use the Costco Rewards credit card.

Benefits Of The New Costco Visa Card:

  • With the new Costco credit card, you get 4% cashback on your first purchases of $ 7,000 a year. This represents an increase of 3% over the previous version of the card.
  • Costco’s new credit card offers a 3% refund on travel and grocery purchases, including international meals! The old American Express version of this card offered only 2% and excluded restaurants abroad.
  • All other Costco purchases made with the new card will receive 2%, an improvement of 1% over the previous version of the card.

8. Indigo Mastercard

Indigo Mastercard

Indigo Mastercard has a lot of high-end features to consider. It comes with no one-time fees at all. Additionally, the annual fee is only between 0 USD-99 USD. The monthly fee is also negligible and the average regular APR is about 24.9%. It comes with a grace period of twenty-five days.

As per us, the best thing is that you can go for a pre-qualification process. It will not impact your credit score at all. It is ideal for people who have a fair credit score. You get to access your mobile account.

This card also provides you fraud protection for the cards you lose or the ones that get stolen. Your account history is also reported to any of the three functional credit bureaus in nature.

Additionally, the maximum late fee levied here is 39 USD while the over-limit fee is 39 USD. The maximum penalty APR is also 29.9%. Your foreign transaction fee is 1% and the cash advance APR is 29.9%.

9. Credit One Bank Platinum Visa

Credit One Bank Platinum Visa

This particular credit one bank platinum visa is ideal for rebuilding credit. It is one of the topmost options for a consumer who has very bad credit. For instance, people who need a loan for covering the cost of unexpected medical expenses that cannot be done in cash can really make the most of this card.

You will get 75 USD for the 300 USD initial credit line which is actually quite an attractive offer. Earning cash back rewards will definitely help you in the long run too.

This card does not have any one time fee and the annual fee is between 0 USD to 99 USD. There is no monthly fee and the regular rate also lies between 19.99-25.99%.

The grace period is also about 0 to 24 days for this card. You can pre-qualify without harming any credit score at all. You can track your progress with your Experian score and it is ideal for you to rebuild your credit.

The maximum late fees for this is 39 USD and the maximum over-limit fees are 0 for the same. The maximum penalty APR is also 0 while the foreign transaction fee is capped at 1 USD or 3% whichever is better.

10. Milestone Mastercard

Milestone Mastercard

This credit card is ideal for people looking for instant approval credit cards with bad credit. It is an unsecured credit card in the market, specifically for people who have a poor credit score.  This card does not need any security deposit and also offers a 300 USD credit limit.

Once the annual fee of 35 USD to 75 USD is completed, the users will get 225 USD to 265 USD in the form of an unsecured expenditure limit. The annual fee of this card can also be as high as 99 USD from the coming year, so you do not need to wait for too long.

You do not need any minimum credit score for this card. The Milestone Mastercard approval offers you a service for pre-qualification online, so you can check this.

The one-time fee for this card is 0 while the annual fee is between 35 USD to 99 USD. It also comes with a negligible monthly fee while the regular APR rate is 24.9%.

They also give you a grace period of twenty-five days for your repayment schedules. The cash advance fee is negligible for the first year and then it is 5 USD or 5% from thereafter.

11. Official NASCAR Credit Card

Official NASCAR Credit Card

When you are looking for an instant credit card, this is definitely one of the topmost options. It is an unsecured reward credit card, especially for people who have bad credit or really limited credit. It offers a starting limit of 300 USD in return for an annual fee which may be between 0 USD to 75 USD.

However, the interest rate you accrue would be between 19.99%-25.99%, depending on your creditworthiness. The best part about this card is the rewards it offers.

Cardholders can earn nearly 1% cashback for the eligible categories. A lower annual fee, however, is sure to trump the rewards for most people who have poor credit.

This card comes with a minimum credit limit of 300 USD. The initial expenditure limit is only 225 USD. You also get rewards on eligible purchases and then the remaining categories provide you with 1% cashback.

However, this card has the potential for high fees. The NASCAR visa may even charge 75 USD for the first year and then it is 99 USD.

12. First National Bank Of Omaha (FNBO)

7. First Nation Bank of Omaha

Stuck in Vegas with no cash left in your pocket? I hope this is not your case, but you can get FNBO Instant Card Number at the M Life counter of an MGM complex.

They can print the information on your card so that you have that extra funding if you need it. Just make sure you continue to play slot machines when you leave.

The FNBO Cash Back Visa Card is a First National Bank of Omaha credit card with good reimbursement rates. Within the first six months after receiving the card you will receive a 3% refund.

Then the refund rate is 2%. It is above average. The other functions of the card, however, are somewhat expensive for consumers.

The minimum APR for purchases and remittances is correct. However, the maximum annual interest rate is not profitable at a rate of 25.99%. The minimum payout of cash advances and balance transfers is also high.

You pay 15 USD in cash and 10 USD for the balance (minimum). The maximum payment for both is 5% and is also a high rate. 3% for every transaction abroad makes this card expensive.

13. Synchrony

Synchrony cards

Synchrony has card variants that are specifically for online purchases: Ebats, Pay Pal, or eBay cards by Synchrony. These cards are instantly usable for online transactions, upon approval.

The Ebates card can be used on its website or anywhere Visa both is acceptable. With eBay or PayPal Mastercards, you can transact online up to $250 via PayPal. Although your purchase is limited to $250, this is a good option for you if there’s no other option at that time.

14. United Services Automobile Association (USAA)


Members of the armed forces and their families can become USAA members and apply for a USAA credit card. In this case, you will automatically receive your Instant Card Number, CVC code, and expiration date.

You may only spend $ 1,000 with this information and then reach the limit of your credit as soon as your physical card is sent by post. You have a rewards program and there is no annual fee for instant approval credit cards that you can choose.

The USAA Visa Signature Rewards card offers a one-point reward system for every dollar spent. Without rotation or bonus categories, cardholders can earn unlimited points for daily purchases. You can start earning your bonuses immediately with 2,500 bonus points on your first purchase.

Once you’ve earned enough points, you can redeem them for multiple rewards. These include goods, travel, donations to military groups, gift cards or money. Each category has a different minimum of points that you need to start trading. With USAA, you can easily check and use your points on the go on any computer or mobile device.

Reward System

In addition to a fairly robust reward system, the USAA Visa Signature Rewards card is offered with no penalty or annual interest. In addition, the card offers special advantages of Visa Signature.

This title gives the card and you extended warranties for your purchases, travel and emergency assistance, the refund of lost luggage and so on.

The card also offers a number of benefits to cardholders of service members and their family members. If you need to join active military service, you will receive an annual 4% interest on your current balance for the remainder of your active service. Then the normal annual interest rate is activated with a variable of 11.90% to 27.90%.

USAA continues to seek its members in the army. They will refund the purchases on the card during a qualified military campaign. The USAA also provides service members with a team of experts to help them with their finances before, during, and after their assignment.

Main Features:

  • No annual fee: are you not a fan of credit card fees? Do not worry here. There is no annual fee for the USAA Visa Signature Rewards Card.
  • No transaction fees abroad: All purchases outside the United States of America. They are manufactured at no extra cost and are therefore ideal for traveling members.
  • Easily redeem rewards: You can easily redeem your rewards with your mobile device or computer.
  • Identity Theft Support: USAA provides identity theft intelligence services to help you with identity theft. If your identity is stolen, you are not responsible for unauthorized purchases.
  • Comprehensive insurance: The card comes with a protective cover that covers property damage and theft of most rental vehicles.
  • Extended Warranty: This benefit gives you a one-year extension to the manufacturer’s warranty or business warranty when you purchase an item with your card.
  • Special Military Benefits: If you have a balance on your account when joining active military service. You will receive an APR of 4% off your current balance for the remainder of your active service.
  • Benefits of Visa Signature: As a Visa Signature card, this card also includes travel and emergency assistance, lost luggage, concierge and custom clearance.

Who Can Get The Most Benefits From The USAA Signature Signature Visa Card?

Please note that only USAA members can apply for the USAA Rewards Visa Signature Card. In other words, almost all USAA members could benefit from this card because it simply earns points and offers a wide range of rewards.

The card has no annual fee. So if the annual installments are not attractive or not profitable for you, this card works well. The card also works like a simple reward card, a card that can be combined with a larger reward card.

Almost all of her purchases earn her one point for every dollar spent. making her rides to the grocery store very rewarding. These qualities, especially in connection with the absence of transaction fees abroad, can genuinely benefit USAAC members in the active service and their families.

Store Cards Issuing Instant Approval Credit Card

This depends on the individual store. Some stores offer co-branded cards like Visa, MasterCard, and AMEX that can be used anywhere. Yet, more often, others limit purchases to their store itself. The choice of card you should opt for depends on how you want to use your new credit card.

Applications to storing instant approval credit cards is made online or at the store. When applying in person at the store, after the approval, you will immediately have a temporary credit card. With that, you can start shopping at that outlet (or online through the store’s website) right away.

The Target RedCard is attractive to potential applicants — you’re encouraged to apply by typically being asked upfront, “Would you like to save 5% today by opening a Target RedCard account?” This way, they’re inducing demand for their in-store products. They’re also giving incentives to customers to buy more and save more right away with the card.

In the case of stores like Best Buy, Macy’s, or Kohl’s you can forget your card at home and still access your credit card account. These stores verify your details and access your card information by simply punching in your social security number and checking your drivers’ license.

Some stores such as Cabela’s are a notch ahead, and they give you the physical card (kept in stock ready with them) right away.

We can go on and on explaining the advantages of various other co-branded cards. Here’s a list, from ProudMoney, of more such retailers, offering instant card numbers after approval of candidates application:

  • Store Card
  • Apple Rewards Visa
  • Belk Rewards Credit Card
  • Bergdorf Goodman Credit Card
  • Bloomingdale’s Credit Card
  • Disney Visa instant approval Credit Cards
  • Gap Credit Card
  • Goodyear Credit Card
  • IKEA Visa Credit Card
  • JCPenney Credit Card
  • LL Bean Credit Card
  • Neiman Marcus Credit Card
  • Nordstrom Credit Card
  • Orvis Rewards Visa
  • Sandals Credit Card
  • Sears Credit Card
  • Sephora Credit Card
  • Ulta Credit Card
  • Walmart Credit Card
  • Williams Sonoma Credit Card

Our Final Take On This:

When it comes to Instant approval credit card, American Express and Apple Card seem to be paving the way. Our verdict is AMEX Cards and the Apple Card won’t disappoint if instant card usage is what you’re looking for.

In fact, our number one pick would be the digital version of the Apple Card. It isn’t a temporary card with a temporary CCV code, to begin with. It’s the real deal from the time it is for the customer’s approval.

The co-branded and retail cards are also beneficial depending on what you’re seeking out of the card. Whether it’s your emergency needs or fulfilling your wants quickly, getting a credit card isn’t always 100% guarantee.

In terms of instant number activation following the approval, one thing is for sure – given the plethora of options out there, you’re sure to have the success that obtains one or the other card.

Do you have anything to add that we’ve perhaps missed? Feel free to comment below with any additional points, experiences with the above cards, or feedback you may have.

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  1. Marry Walker Reply

    Full list of credit cards that issue instant card number upon approval are given. But American Express and Apple Card are the best card that issue instant card number on approval.

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