Best Credit Cards Available for Immediate Use

Notice! We share shopping tips and personal finance to put extra money in your wallet. Mobile Nations can receive a commission from The Points Guy Affiliate Network

apple card is presented

For a large number of credit cards, you are stuck waiting for up to a week to use it after being approved. This is because many require that you receive a physical card delivered by mail and activate it by logging in online or by calling a telephone number. Apple Card is getting rid of this need. While many of us will be happy to wait for the most meticulous design credit card ever created, you will not have to wait on the titanium card to use your new Apple card. Apple is making the digital version of its Apple card available for use in the Wallet app using Apple Pay immediately after its approval.

While this is another great feature of Apple Card, it is not exclusive to it. There are a number of other credit cards that are also available for use immediately after you are approved!

American Express

American Express has one of the best instant-use credit card programs in existence. All your cards are compatible with the function, which allows you to use your new card immediately after its approval. Once approved, American Express will display a digital version of your card on the screen with your card number, expiration date and CCV code. There are a couple of things to keep in mind about this card. One is that you can not access it again after American Express shows it to you the first time, so be sure to take a screenshot or download the information if you are planning to use it. In addition, the CCV code on the physical card that you will receive by mail will be different from the one you receive online. The physical card will be your permanent CCV code, so it is best not to use your digital card to subscribe to subscriptions or anything that uses recurring payments.

The Blue Cash Preferred® card from American Express

The Blue Cash Preferred® card from American Express can triple the amount of money you earn on groceries and gasoline compared to the Apple Card. It's easy to qualify for the bonus offer, and Amex offers savings to hundreds of retailers when you activate the offer and use your card to buy. These, along with a 0% introductory APR offer and best-in-clbad customer service make the American Express Blue Cash Preferred® card a compelling option compared to the Apple Card.

Refund of money

Blue Cash Preferred® Card from American Express

This letter takes you 6% cash back in US supermarkets (up to $ 6,000 per year and then 1%), 3% cash back at US service stations and 1% cash back on all other purchases. Unlike the Apple card, you'll get a welcome welcome offer at the rate of a $ 200 statement After spending $ 1,000 in the first 3 months. There is also a 0% intro APR in purchases and balance transfers for 12 months, then a variable APR, 15.24% to 26.24%.

The Platinum Card® by American Express

Cardholders have access to eligible Delta, Centurion and Priority Pbad lounges around the world. From the huge registration bonus offer, the Uber VIP status with free travel and a ton of credits to cover airline and luggage fares, the American Express Platinum Card® offers more points for more travel.

Luxury trip

The Platinum Card® by American Express

Win 60,000 Membership Rewards® points after using your new American Express Platinum card to make purchases of $ 5,000 in the first 3 months. Enjoy 5X Membership Rewards® points on flights booked with airlines or with American Express Travel, as well as prepaid hotels booked on You also get a $ 200 air fare credit, until $ 200 per calendar year in baggage fees and more on a qualified airline.

Capital one

Capital One used to allow new cardholders to access their new credit card number after approval, but it seems that this has changed recently. As someone who recently acquired their Capital One® Quicksilver® Cash Rewards credit card for the $ 150 sign-up bonus and the easy cash rebate of 1.5%, I had to wait for the card to arrive by mail to use it for anything, either Making a purchase or processing a balance transfer.

Capital One® Quicksilver® Cash Rewards Card

The Capital One® Quicksilver® Cash Rewards credit card is one of the best cards for those looking to omit any categorized rewards and, instead, opt for a simple and straightforward reward system. Earn 1.5% cash back for every purchase you make without any limit as to what you can earn.

Simple return of money

Capital One® Quicksilver® Cash Rewards Card

Cash back is not easier than with the Capital One® Quicksilver® Cash Rewards credit card. You will win 1.5% cash refund For each purchase you make and an annual fee is not required. We also love that it includes a $ 150 cash bonus after spending $ 500 on purchases within 3 months. Defer payment for that iPhone purchase with 0% intro APR in purchases for 15 months (16.24% -26.24% variable APR after).

What about all the others?

Like Capital One, most other card providers require you to wait until you receive your physical card by mail to activate and use it. Here is a list of card providers that, while most will give you an instant approval decision when you apply, is not compatible with the immediate use of the card.

  • Bank of America
  • Persecution
  • Citi
  • Discover

There can only be two

When it comes to cards that offer instant access, American Express and Apple Card seem to be paving the way with this technology. Apple Card goes even further than American Express, since the digital version of its Apple Card is not a temporary card with a temporary CCV code, it is the real deal. We will have to wait and see if more credit card providers follow their example, but I imagine it will be something that we begin to see that becomes much more common sooner rather than later.

This publication may contain affiliate links. See our disclosure policy for more details.

Source link

Check Also

New Ford F-150 with built-in generator, over the air upgrades

2019 Ford F-150 Limited pickup Mack Hogan | CNBC The importance of a new F-150 …