Credit CardsArticles
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Written by
Charlotte Zhang
Edited by
Tracy Brackman
Updated on:
Content was accurate at the time of publication.
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Key takeaways
- Instant credit card numbers give you access to all or part of your new line of credit before the physical credit card arrives in the mail.
- While several issuers offer instant credit card numbers for some of their cards, American Express offers them for all cards.
- Instant credit card numbers can be helpful if you need to finance a purchase right away, earn rewards from an upcoming purchase or take advantage of travel and purchase benefits.
Imagine you’re just hours away from booking a vacation and are planning to spend hundreds of dollars on airplane tickets, prepaid hotels, car rentals and more. It’s the perfect opportunity to rack up rewards on a brand-new travel card and earn a monster sign-up bonus. But do you really have to wait around for a physical card to come in the mail before you can use it?
Depending on the issuer, you may not have to wait at all. That’s because some issuers provide instant credit card numbers that allow you to charge purchases on a new card immediately after being approved.
American Express®
When applying for an American Express credit card, like the Blue Cash Everyday® Card from American Express or the Blue Cash Preferred® Card from American Express, you need to include your email address in the designated spot on the application. Then check the box that notes your request for an instant credit card number, if approved.
Bank of America®
Not every Bank of America credit card or approved applicant is eligible to receive an instant credit card number. Current customers may have a better chance of getting a card number instantly if they apply through the mobile app.
Barclays
The possibility of getting a credit card number for instant use with Barclays is better on retail cards that you apply for in stores — like Old Navy and Barnes & Noble. Some travel credit cards, like the JetBlue Card and , may also offer an instant card number upon successful application.
Capital One
Some Capital One credit cards may be eligible for virtual card access. Upon approval, you can log in to your account to see if your card is available to be added to your phone’s digital wallet.
Chase
The Chase Sapphire Reserve® and Chase Freedom Unlimited® offer new cardholders instant access to their cards via their preferred digital wallet. Other Chase credit cards generally allow this as well.
Citibank
There are two Citi credit cards that offer instant credit card numbers: the Citi Double Cash® Card and the Citi Custom Cash® Card. Other cards may also be eligible. To find out if yours is, log in to your new account to see if they’re able to add your card to your digital wallet.
Navy Federal Credit Union
All Navy Federal credit cards, like the Navy Federal Platinum Credit Card, offer instant credit card access through your digital wallet. The instant number will be sent to you via email 24 hours after being approved for the card.
U.S. Bank
Some credit cards issued by U.S. Bank offer instant credit card numbers to eligible cardholders. The number will be emailed to you four business days after your application is approved.
Wells Fargo
You may be able to add your new Wells Fargo credit card to your digital wallet to access a portion of your new credit line.
USAA
For eligible applicants, Visa credit cards from USAA offer instant access to your line of credit via your mobile app.
Note that some cards may not let you charge your full credit limit until you get your physical card, so you’ll have to watch what you purchase. For example, if you have a $1,000 credit limit, you may only be able to use up to $300 until you activate your physical card.
There’s a good chance, if approved, you’ll get an instant credit card number on co-branded hotel credit cards or airline credit cards while you’re on the website’s booking portal.
Instant credit card number credit cards to consider
How Does LendingTree Get Paid? LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Bank of America® Customized Cash Rewards credit card*
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Bank of America® Customized Cash Rewards credit card*
0% Intro APR for 15 billing cycles for purchases
19.24% - 29.24% Variable APR
$0
3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
660 720 850
Good / Excellent
Get my free score
*The information related to the Bank of America® Customized Cash Rewards credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
How Does LendingTree Get Paid? LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
0% on purchases for 15 months
19.24%-29.99% Variable
$0
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
660 720 850
Good / Excellent
Get my free score
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
How Does LendingTree Get Paid? LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Bilt World Elite Mastercard®
N/A
See rates & fees
$0
Earn 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year; up to 5X Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card; 2X points on travel, 3X points on dining, 1X points on other purchases. Use the card 5 times each statement period to earn points.
- Select 'Apply Now' to learn more about the product features, terms and conditions
- A credit card that lets you earn points on rent payments at any property without the transaction fee.
- $0 Annual Fee
- Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
- Earn 3x points on dining
- Earn 2x points on travel
- Earn 1x points on other purchases
- Earn double points on the first of each month (excluding rent, up to 10,000 bonus points)
- Use the card 5 times each statement period to earn points
- Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
- Point redemptions include airlines, hotels, future rent payments, credit card statements, toward a down payment on a home, etc.
660 720 850
Good / Excellent
Get my free score
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
How Does LendingTree Get Paid? LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Chase Freedom Unlimited®
Apply Now
on Chase's secure site
Chase Freedom Unlimited®
0% Intro APR on Purchases for 15 months
20.49% - 29.24% Variable
$0
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee –You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
660 720 850
Good / Excellent
Get my free score
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
How Does LendingTree Get Paid? LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Citi Custom Cash® Card*
Learn More
Citi Custom Cash® Card*
0% intro APR for 15 months on Purchases
19.24% - 29.24% (Variable)
$0
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
660 720 850
Good / Excellent
Get my free score
*The information related to the Citi Custom Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Instant card numbers can be a great tool when you need to purchase something immediately and don’t have time to wait for a card to arrive in the mail. They give you:
- The ability to take advantage of certain benefits — such as travel protection or rewards earnings — right away.
- More time to meet your card’s spending threshold and earn a sign-up bonus.
- Access to credit when an emergency puts you in a financial bind.
- The opportunity to use a store or retail card immediately to get discounts and earn store rewards.
Just be sure you know what you’re getting into before you apply. Urgency can work against you if it encourages you to apply for a card you haven’t fully researched or don’t need. Just because somebody offers you a card that you can use right now doesn’t mean it’s a good decision for you.
Found a card you’re interested in? Learn more about how to apply for a credit card to improve your changes of being approved.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
The information related to the JetBlue Card, Miles & More® World Elite Mastercard®, Citi Double Cash® Card, Citi Custom Cash® Card, Navy Federal Platinum Credit Card and Bank of America® Customized Cash Rewards credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
Credit Cards Resources
Best Rewards Credit Cards
Best Cashback Credit Cards
Best 0% APR Credit Cards
Best Balance Transfer Credit Cards
Best No Balance Transfer Fee Credit Cards
On this page
- Which major card issuers offer instant card numbers?
- Instant credit card number credit cards to consider
- Are instant credit card numbers good?
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