Instant Approval Credit Cards You Can Use Immediately (2024)

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Up to 3% Reward Rate

Upon approval, you’ll receive your card number, a temporary 4-digit ID, and an expiration date to use your card online or in a digital wallet until you get the physical card. The Blue Cash Everyday^® Card from American Express is the perfect credit card for those who want to earn cash back on their everyday purchases without having to pay an annual fee. With this card, you can earn generous rewards in categories where most families spend the most, like U.S. supermarkets and U.S. gas stations.

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• 0% intro APR on purchases and balance transfers for 15 months after opening the account, then 19.24% to 29.99% variable APR applies.
• Cash back is received as Reward Dollars which can be redeemed as a statement credit or at Amazon.com checkout.
• Get $7/month back in the form of a statement credit when you spend $9.99 or more per month on an eligible Disney Bundle subscription (Disney+, Hulu, and ESPN+). Subject to auto-renewal. Enrollment required.
• Receive up to $15 back per month when you purchase a Home Chef meal kit subscription. Subject to auto-renewal. Enrollment required.
• Terms Apply.

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Up to 5X Reward Rate

Upon approval, you can instantly get a virtual card number through the Capital One app or Eno. Some travel rewards cards can have complicated categories, making it difficult to take full advantage of their benefits. The Capital One Venture Rewards Credit Card keeps things simple by offering flat-rate rewards.

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• Miles don’t expire for the lifetime of the account plus there’s no limit to how many you can earn
• Up to a $120 credit to use toward Global Entry or TSA PreCheck^®
• Use miles for reimbursem*nt on any travel purchase—or use them to book a trip through Capital One Travel
• Enhance every hotel stay from the Lifestyle Collection with a range of cardholder benefits, such as $50 experience credit, room upgrades, and more
• Transfer your miles to over 15 travel loyalty programs of your choice

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Rates & Fees / Terms Apply on CardRatings’ secure site

Up to 6% Reward Rate

Upon approval, you’ll receive your card’s info to use it online or in a digital wallet until you get the physical card. For those who spend a lot on groceries, the Blue Cash Preferred^® Card from American Express is a great option. With this card, you can earn 6% cash back rewards on up to $6,000 spent at U.S. supermarkets yearly (then 1% back). Additionally, this card offers fantastic rewards on select streaming services, purchases at U.S. gas stations, and transit spending.

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• 0% Intro APR for purchases and balance transfers for the first 12 months, then 19.24% to 29.99% variable applies.
• Cash Back is received as Reward Dollars which can be redeemed as a statement credit or at Amazon.com checkout.
• Get $7/month back in the form of a statement credit when you spend $9.99 or more per month on an eligible Disney Bundle subscription (Disney+, Hulu, and ESPN+). Subject to auto-renewal. Only valid in the U.S. Enrollment required.
• Terms Apply.

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on Chime's secure site

No Rewards

Upon approval, you can get a temporary digital card number through the Chime app, until you get the physical card in the mail. If you’re in a bit of a credit score pickle, the Chime Credit Builder Secured Visa^® Credit Card can help, and since you can get a temporary digital card number, it can help quickly. Chime doesn’t have a minimum deposit requirement, has no annual fee or interest, and doesn’t require a credit check.

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• To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime^® Checking Account
• The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).
• The Chime Credit Builder Card is a secured credit card that can help consumers build credit history. It has no interest*, no annual fees, no credit check to apply, and no minimum security deposit required**
• Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required). Turn on Safer Credit Building* and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®. Experian®. and Equifax®.
• Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
• ^{*No Interest: Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.}
• ^{**No Minimum Security Deposit: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.}
• ^{The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.}
• ^{To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.}
• ^{***Safer Credit Building - On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.}

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Rates & Fees / Terms Apply on CardRatings’ secure site

Up to 4X Reward Rate

Upon approval, you’ll receive your card’s info to use it online or in a digital wallet until you get the physical card. For dining aficionados, the American Express Gold Card is a top-tier option, with hundreds of dollars annually in dining statement credits and 4X Membership Rewards points on purchases at restaurants (on up to $50,000 per year, then 1X).

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• Up to $120 Uber Cash on Gold: Add your Gold Card as a payment method on your Uber account and automatically receive $10 in Uber Cash each month for Uber Eats orders or Uber rides in the U.S. (Up to $120 annually.) To receive this benefit you must have downloaded the latest version of the Uber App and your eligible American Express Gold Card must be a method of payment on your Uber account. This benefit may only be used in the United States.
• Up to $120 Dining Credit: Enjoy up to $10 in monthly statement credits when you use your American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys locations. Enrollment required.
• $100 experience credit: Receive a $100 experience credit when you book The Hotel Collection through American Express Travel. Experience credit amounts vary by property, and are given only with a minimum two-night stay.
• Up to $100 Resy credit: Receive up to $50 in statement credits every 6 months (up to $100 per year) when you use your Gold Card at U.S. Resy restaurants or other eligible Resy purchases. Enrollment required.
• Up to $84 in annual Dunkin’ credits: Get $7 back per month in credits after you enroll and pay with your Amex Gold card at Dunkin’ locations
• Customize your card to fit your style: Gold, Rose Gold, or White Gold. White Gold is only available as supplies last.
• No Foreign Transaction Fees.
• Terms Apply.

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Up to 10X Reward Rate

Upon approval, you can instantly get a virtual card number through the Capital One app or Eno. The Venture X is Capital One’s most premium travel credit card, packed with benefits such as airport lounge access, Priority Pass Select membership, yearly bonus miles, and an elevated rewards-earning rate on travel booked through Capital One’s portal, all for a lower annual fee than some other cards in the same bracket.

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• Get a $300 annual credit for booking trips through Capital One Travel
• Enjoy 10,000 bonus miles every year, which is equivalent to $100 towards travel, starting on your first anniversary
• Unlimited complimentary access to over 1,300 lounges, including Capital One lounges and the partner lounge network, for you and two guests
• Use Venture X miles to cover the cost of travel expenses, such as flights, hotels and rental cars; you can even transfer miles to over 15 travel loyalty programs of your choice
• Enhance every hotel stay from the Premier or Lifestyle Collection with a range of cardholder benefits, such as experience credit, room upgrades, and more
• Up to a $120 credit for Global Entry or TSA PreCheck^®

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Up to 5X Reward Rate

Upon approval, you’ll receive your card’s info to use it online or in a digital wallet until you get the physical card. For the luxury traveler, the American Express Platinum card has a ton of potential. Although it has a high annual fee, it’s chock-full of high-value benefits that can easily make it worth it.

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• $200 Hotel Credit: Receive up to $200 back in statement credits each year for prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings with American Express Travel when paying with your Platinum Card®. The Hotel Collection requires a two-night minimum stay.
• $240 Digital Entertainment Credit: Receive up to $20 back in statement credits every month when you make eligible purchases with your Platinum Card®. This offer applies to Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, and The Wall Street Journal. Enrollment required.
• Escape the hectic nature of the airport with the American Express Global Lounge Collection®. With complimentary access to over 1,400 airport lounges across 140 countries, you can enjoy more airport lounge options than any other credit card issuer. As of 03/2023.
• $155 Walmart+ Credit: Maximize savings on eligible delivery fees, shipping, and more with a Walmart+ membership. Pay for a monthly Walmart+ membership using your Platinum Card^® and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one eligible airline and then get up to $200 in statement credits per calendar year when you are charged incidental fees by the airline to your Platinum Card®.
• $200 Uber Cash: Receive Uber VIP status and get up to $200 annually ($15 per month, plus a $20 bonus in December) in Uber Cash on Rides or Eats orders in the U.S. Uber Cash and VIP status are only available to Basic Card Members. To receive this benefit you must have downloaded the latest version of the Uber App and your eligible Card must be a method of payment on your Uber account. This benefit may only be used in the United States. Terms apply.
• $199 CLEAR^® Plus Credit: Get to your gate faster at over 50 airports nationwide with CLEAR^® Plus and receive up to $199 back per calendar year on your Membership when you use your card. Subject to auto-renewal. CLEARLanes are available at over 100 airports, stadiums, and entertainment venues.
• Enjoy either a $100 statement credit for a Global Entry application fee every 4 years or a statement credit of up to $85 every 4.5 years for a TSA PreCheck^® application fee for a 5-year plan only (through a TSA PreCheck^® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also get access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Use your Platinum Card^® to receive up to $100 in statement credits for purchases in Saks Fifth Avenue stores or at saks.com annually (Up to $50 in statement credits semi-annually). Enrollment is required.
• Add your Platinum Card^® to your Resy profile and enjoy access to exclusive reservations and unique dining experiences with Global Dining Access by Resy
• Terms Apply.