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Nowadays, consumers can get instant approval when they apply for certain credit cards, but it can take another week or two before that powerful plastic rectangle arrives in the mail. For many, that’s just fine — they can just use other credit cards and debit cards in their wallets.
But what if you need to use that card the day you’re approved? That’s where instant use credit cards come in. An instant use credit card allows you to make purchases immediately, either through a barcode, digital card number or your digital wallet.
Not every credit card issuer offers instant credit card numbers, and some issuers may only offer it on select credit cards. If you don’t have time to wait for a physical credit card in the mail, prioritize applying for one of these coveted cards.
What Is an Instant Use Credit Card?
An instant use credit card allows consumers to begin using their new line of credit as soon as they are approved. Rather than swipe a physical card, consumers pay digitally — like through Apple Pay or Google Pay, with a digital account number or even using a barcode.
Co-branded credit cards — like store cardsairline cards, and hotel cards — are common candidates, but even some other common travel and rewards credit cards are available for instant use. American Express, for example, offers an instant credit card number for all of its cards (as long as you apply online).
How Do Instant Use Credit Cards Work?
Upon approval for an instant use credit card, the card issuer will provide you with a method for using the card digitally, typically through a barcode or an instant credit card number.
- Barcode: When opening a store credit card, like the Target RedCard or Walmart Rewards Card, look for a barcode on the receipt. Use this until your physical card arrives in the mail.
- Instant credit card number: Credit card issuers offering instant approval typically give you a digital card number that you can use online or in your digital…
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