Instant Credit Cards: 5 Best Options for Those Who Need Quick Credit - Gudnip

Instant Credit Cards: 5 Best Options for Those Who Need Quick Credit

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Having access to instant credit cards is an advantage for those who need a fast and practical financial solution. In the market, there are several options available that provide credit limits to customers right after approval.

Usually, it’s possible to start shopping through a temporary virtual card, available on bank apps, and also through virtual wallets like Apple Pay, Samsung Pay, and Google Pay.

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Next, we highlight 5 credit cards that come with this functionality of instant credit access. If you want a fast and efficient financial ally, keep reading to choose yours!

American Express Gold

Type: Credit Card

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The American Express Gold is one of the most popular cards for those who want to earn rewards in categories like dining and travel. Those approved in the online application receive the card number immediately and can start using it.

  • 4x points at restaurants: Earn four times more points when dining out or using delivery services;
  • 3x points on travel: Accumulate more points when buying airline tickets and travel packages;
  • $120 in annual credits: Receive monthly credits to cover subscriptions to selected services;
  • No preset spending limit: The financial flexibility is ideal for large purchases;
  • Instant access to the card number: After approval, you can start using the card instantly.
Card Details Page

Chase Sapphire Preferred

Type: Credit Card

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The Chase Sapphire Preferred is a great option for travelers who want to maximize their spending with rewards in travel and dining. Right after approval, you can add it to your preferred digital wallets and start using it.

  • 2x points on travel and dining: Earn points on a wide range of travel purchases;
  • Signup bonus: Accumulate a large number of points by reaching a minimum spend in the first few months;
  • Travel protection: Coverage for cancellations and emergencies while you are traveling;
  • Transfer points to travel partners: Use your points for flights and hotel stays;
  • Competitive annual fee: Benefits that outweigh the annual fee.
Card Details Page

Capital One Venture Rewards

Type: Credit Card

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The Capital One Venture Rewards is famous for its simplicity in earning and redeeming miles. It is one of the instant credit cards, which can be used immediately after approval through the virtual card available in the bank’s app.

  • 2x miles on all purchases: There are no specific categories, making it easy to accumulate miles;
  • Unlimited miles: Miles do not expire, and there is no limit on earning;
  • Travel reimbursement: Use your miles to erase travel purchases from your statement;
  • Credit for Global Entry or TSA PreCheck fees: Speed up your experience at airports;
  • Purchase protection: Additional coverage for purchases made with the card.
Card Details Page

Citi Custom Cash

Type: Credit Card

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The Citi Custom Cash is mainly known for its cashback program, but it also stands out for offering instant credit access after approval. The customer must note the temporary account information and start using it until the physical card arrives.

  • 5% cashback: Earn 5% back on your biggest monthly expenses, up to $500 per month;
  • 0% APR for the first 15 months: Introductory period with no interest on purchases and balance transfers;
  • Instant access to the card: Use it immediately after approval;
  • No annual fee: Great for those who want to maximize benefits without paying a fee;
  • Fraud protection: Robust coverage against fraud and unauthorized purchases.
Card Details Page

U.S. Bank Cash+ Signature

Type: Credit Card

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The U.S. Bank Cash+ Signature allows customers to personalize their reward categories and also offers immediate access to the credit line after approval. To use it, just add it to your preferred digital wallet, similar to other instant credit cards.

  • 5% cashback in two chosen categories: Personalize your reward accumulation;
  • 2% cashback in essential categories: Earn more on everyday purchases like groceries;
  • No annual fee: An attractive benefit for those looking to save;
  • Purchase protection: Insurance for products purchased with the card;
  • Signup bonus: Offers additional cashback after reaching a minimum spend.
Card Details Page

Important considerations about instant credit cards

When considering instant credit cards, it’s crucial to remember that, despite the quick access to credit, it’s essential to maintain responsible usage to avoid financial problems in the future.

Additionally, some cards may offer partial access to the approved credit for immediate use by the customer. Once the physical card arrives, it will be possible to use the full credit line according to each institution’s policies.

Instant credit cards are a great tool for those who need to make an immediate purchase but don’t have available funds. However, keep in mind that the process to access this credit varies from one bank to another.

Conclusion: Choosing the right card for you

Opting for an instant credit cards in the United States requires evaluating not only the speed of credit access but also the benefits and rewards offered.

Each of the instant credit cards recommended here offers a unique combination of advantages, from cashback and miles to travel credits and additional protections.

When choosing the right card, consider your lifestyle and the spending categories where you invest the most, to maximize the offered benefits and ensure the chosen card meets your financial needs.

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