5 Best Instant Credit Card Approval and Use Same Day in 2022

Instant approval of credit cards reduces doubts and helps you to shop fast. Usually, with Instant Credits Cards, you have to wait for the arrival of mail. But, in the case of Instant credit cards, you can use them immediately. If you need your money fast, instant credit cards can be a source. Instant credit cards are temporary. But your physical credit card will receive you in the mail before your instant credit card expires. Instant credit cards pay new transactions without checking the mail every day for your card.

What Are Instant Credit Cards?

They are also called Guaranteed approval cards. Instant approval credit card means that you will receive a quick mail within a few minutes when you apply for the online credit card. However, when someone applies for an instant credit card, the issuer will give an advance credit check. Those with high credit value will have a greater chance of getting the approved credit card. Credit card companies usually consider their credit history, including their credit card usage and income. To fulfill the eligibility criteria, the applicant should provide their personal information on the application.

What Is The Difference Between Instant Use And Instant Approval Credit Cards?

Instant approval credit cards give you a response as soon as your online card application completes. However, it is necessary to wait for the physical card. Your physical card arrives in the mail after approval. Then you will activate it for future use.

Instant-use credit cards will immediately be available after approval. Companies will offer you Instant-use cards with the number of your card and the card’s expiration date when the card is approved.

Best Credit cards that can use instantly in 2022 ( Use on the same day)

These types of cards offer instant card numbers to their users, which is as listed below:

1. Blue Cash Preferred Card from American Express

After the online approval, eligible cardholders immediately get an instant card number. This number is approved anywhere worldwide where American Express is accepted. Anyhow, the eligibility criteria for the instant card number depend on AmEx’s ability. Furthermore, your credit card’s approval will be based on AmEx’s ability to do instant verification of your identity. You can not process the instant card number through the phone. It’s the only available online AmEx application. If you have a card membership, you can earn $350 back after spending $3000 on your new credit card within six months. Moreover, you can earn 6% cash back on up to $6000 per year on purchases at U.S. supermarkets. They have a $0 introduction annual fee, but they charge a $95 annual fee afterward.

2. Bank of America Premium Rewards Credit Cards

For an instant credit card, you will have at least one existing account with Bank of America. So, open a new card with the help of promotions in mobile applications so that you can qualify for an instant card number. There is an option for those who qualify for instant credit card numbers. They can add their new card details to a digital wallet. In the first 90 days after an account opening, if you purchase at least $3,000, you can earn 50,000 online bonus points. They charge no foreign transaction fees.

3. Amazon Prime Rewards Visa Signature Card

It is an excellent pick for those shoppers who want to gain cashback profits. You can access your card from your Amazon account after your card approval. Moreover, you can use this card to make purchases on Amazon. You can earn back 5% at Amazon.com. They offer 2% cash back on restaurants, drugstores, etc. These offers are for those who are eligible for Prime membership. You will get a $70 Amazon gift card on the credit card approval instantly.

4. Capital One Venture Rewards Credit Cards

Within three months after an account opening, you can earn a bonus of 60,000 miles once you spend $3,000 on a purchase. Earn 2X miles every day on every purchase. Miles don’t expire until your account remains open. There is no limit to earning miles. They charge a $95 annual fee to the cardholders.

5. Bank Of America Customized Cash Rewards Credit Card

Surprisingly, this card usually charges no annual fees. Also, it offers bonuses to the new cardholders. They have a lot of relationship rewards for their customers. This card offers 1% cashback on all your purchases. They charge a 0% annual fee to their users. In the first 90 days, after a new account opening, if you spend $1,000, then you can earn a $200 bonus. If you are a member of Prefered Rewards, you have the opportunity to earn 25-75% cashback on every purchase.

How To Pick The Instant Credit Card?

The instant credit card may offer “Instant Approval,” but they can reject your application. For example, American Express will give an instant account number if you can pass the verification process instantly. Here are the tips you can get help from:

Firstly, decide why you need an instant credit card. If you need this instant credit card for some specific purpose, make sure you have a card number. So you can use this until your physical card arrives.

Secondly, it’s important to keep in mind your credit score. The instant credit card is offered to those who have a good credit history. You should check your credit history before applying for an Instant credit card.
One option is that you should compare your reward structures. If you do well enough to qualify for a Reward Credit Card, make sure to approve of the type of rewards you will earn.
At last, check the fees. Always check your annual fees and other fees on your card.

Are Instant Credit Cards Available For Poor Credits?

Poor credits do not affect your instant approval of credit cards. Keep that in your mind; that final approval isn’t based on pre approval. If you want an instant approval card without the preapproval process, go for a secured card.

Bottom Line

In the case of Instant credit cards, you can use them immediately. Instant-use credit cards will immediately be available after approval. Instant credit cards are temporary. Those with high credit value will have a greater chance of getting the approved credit card. But your physical credit card will receive you in the mail before your instant credit card expires. It helps you to shop fast.