In recent years, virtual credit cards have become an increasingly popular payment option for online transactions. One of the most significant benefits of virtual credit cards is the ease and convenience they offer. One of the most notable features of virtual credit cards is their instant approval process. In this article, we’ll explore the best instant approval of virtual credit cards.
Best Instant Approval Virtual Credit Cards
There are several virtual credit card options that offer instant approval. Here are some of the best Instant approval virtual credit cards:
#1. American Express Blue Cash Preferred® Card
American Express’s Blue Cash Preferred® Card offers a competitive initial APR of 0% for 12 months on purchases and debt transfers, followed by a Variable APR of 18.74%–29.74%. It also begins with a $250 statement credit after making $3,000 in purchases within the first six months. The first year’s annual fee is waived and is then $95.
Additionally, it provides an industry-leading 6% cash back at American supermarkets, 6% cash back on streaming services, 3% cash back on transportation and gas at American gas stations, and 1% cash back on all other purchases. Eligible cardholders can also acquire an instant card number right away.
#2. Chase Sapphire Preferred Card
The Chase Sapphire Preferred® Card is a popular option for regular travelers looking for benefits without the high cost of ultra-premium cards. It offers 80,000 extra points when redeemed with Chase Ultimate Rewards®, 5 points for every $1 spent on travel booked through Chase Ultimate Rewards®, 3 points for every $1 spent on dining, 2 points for every $1 spent on other travel purchases, and 1 point for every $1 spent on all other purchases. Other benefits include the option to transfer points to airline and hotel partners, travel insurance, and a $50 annual credit on hotel stays booked through Chase. Once approved, the Chase Sapphire Preferred® Card can be added to your digital wallet and used anywhere that accepts digital wallets for in-person or online purchases.
#3. Credit card from Bank of America®Premium Rewards
The Bank of America® Premium Rewards® credit card awards 1.5 points for every $1 spent on other transactions and 2 points for dining and travel. It has an annual fee of $95 and offers new cardholders the following incentive in addition to rewards worth up to $200 in travel statement credits: Get 50,000 online bonus points, worth $500, after spending at least $3,000 during the first 90 days of opening your account. Depending on the balances in your qualifying accounts, your earnings under the bank’s Preferred earnings program will increase by 25% to 75%.
Read Also: BANK OF AMERICA SAVINGS ACCOUNT INTEREST RATES 2023 (Updated)
To be eligible for an immediate card number, you must open the new card through a targeted offer in the bank’s mobile app and have at least one active Bank of America® account. If you satisfy these requirements, you can add the details of your new card to a digital wallet until your actual card is sent. If you use the app to apply but do not choose one of the targeted campaigns, this is not an option.
#3. Amazon Prime Rewards Visa Signature Card
With the Amazon Prime Rewards Visa Signature Card, you may earn a high rewards rate of 5% on purchases made at Amazon and Whole Foods Market, 2% at restaurants, gas stations, and drugstores, and 1% everywhere else. The value of each reward is one cent, and you may use them to make eligible purchases on Amazon.com or to get cash back as a statement credit or a deposit into an eligible bank or savings account. You must be an Amazon Prime member to be eligible for the card, which has a $0 annual charge.
When your application for the card is accepted, you can use your Amazon account to access it and make purchases there. (To use it at other merchants, you’ll have to wait for the real card to arrive.)
#4. UnitedSM Explorer Card
The UnitedSM Explorer Card is a credit card from Chase United Airlines Mileage Plus that offers a sign-up bonus of 50,000 bonus miles after making $3,000 in purchases during the first three months. It also includes extra perks such as two one-time-use passes to United Club lounges, a free checked bag, and 25% off in-flight purchases.
For purchases made directly from United, restaurants, and hotels, you’ll receive 2 miles for every dollar spent, while for all other transactions, you’ll only get 1 mile. The card also includes a credit for up to $100 to pay the application price for TSA PreCheck or Global Entry, which is renewed every four years. Once accepted, the card can be used to pay for United purchases by logging into the MileagePlus account with United Airlines.
#5. American Express Delta SkyMiles Gold Card
An average co-branded credit card from Delta Air Lines is the Delta SkyMiles® Gold American Express Card. After a few uses of the first checked bag free bonus each year when you fly Delta, if you like to check baggage but lack elite membership, you can easily justify the yearly charge and make this card a valuable addition to your wallet.
#6. SoFi Credit Card
The SoFi Credit Card is easy and offers 2% cash back, but it also has some interesting possibilities. You can use your rewards to invest, save, or pay down an eligible SoFi loan if you’re a customer. The latter is the preferred method of redemption because each SoFi Reward Point is only worth 0.5 cents when redeemed for a statement credit rather than cash to pay down a SoFi loan obligation. The SoFi Credit Card also has a unique APR reduction after 12 consecutive on-time payments. Newly approved cardholders don’t need to wait for the actual card to come in the mail. They can add the card to a compatible digital wallet and start using it right immediately.
What banks give you an instant virtual card?
There are several banks and financial institutions that offer instant virtual cards. Here are some examples:
#1. Capital One
Capital One offers an instant virtual card called Eno, which is available to Capital One credit cardholders. Eno generates virtual credit card numbers that you can use for online transactions, and it offers additional features such as tracking your online purchases and setting up virtual cards for recurring payments.
#2. Chase
Chase offers instant virtual cards for both credit and debit cardholders. You can request a virtual card through the Chase mobile app, and it generates a unique virtual card number that can be used for online transactions.
Read Also: CHASE SAVINGS ACCOUNT INTEREST RATES 2023 (All You Need)
#3. Bank of America
Bank of America offers a virtual card service called ShopSafe. ShopSafe generates a temporary virtual credit card number that is linked to your existing credit card account. You can use this virtual card number for online purchases, and it offers additional security features such as setting spending limits.
#4. Citibank
Citibank offers a virtual credit card service called Virtual Account Numbers (VANs). VANs generate a unique virtual card number that is linked to your existing credit card account. You can use this virtual card number for online transactions, and it offers additional security features such as setting spending limits and expiration dates.
#5. Wells Fargo
Wells Fargo offers instant virtual cards for both credit and debit cardholders. You can request a virtual card through the Wells Fargo mobile app. While It will generate a unique virtual card number that can be used for online transactions.
How to get a virtual credit card easily?
Getting a virtual credit card is typically a straightforward process. Here are the general steps to follow:
- Choose a provider: First, choose a provider that offers virtual credit card services. Many banks and financial institutions offer virtual credit cards, as well as some third-party providers.
- Apply for a credit card: If you don’t already have a credit card with the provider, you may need to apply for one. This typically involves filling out an application online or in person and providing some personal and financial information.
- Request a virtual card: Once you have an account with the provider, you can typically request a virtual credit card. This may involve logging into your account online or using the provider’s mobile app to generate a virtual card number.
- Link to an existing card: Some providers allow you to link your virtual card to an existing credit or debit card. This allows you to use the virtual card number for online transactions without having to apply for a new credit card.
- Start using your virtual card: Once you have your virtual card number, you can start using it for online transactions. Virtual cards typically work like traditional credit cards but with added security features such as one-time use numbers or spending limits.
The exact process for getting a virtual credit card may vary depending on the provider you choose. Be sure to read the provider’s instructions carefully and contact their customer support if you have any questions.
Which credit cards give you an instant card number?
Several credit cards offer instant card numbers that allow you to start using your card right away for online purchases. Here are some examples of credit cards that provide instant card numbers:
#1. American Express
American Express provides instant card numbers for most of its credit cards, including personal and business cards. You can request an instant card number through the American Express mobile app or by contacting customer support.
#2. Chase
Chase offers instant card numbers for its personal credit cards, including the Chase Sapphire Reserve, Chase Sapphire Preferred, and Chase Freedom Flex. You can request an instant card number through the Chase mobile app or by contacting customer support.
#3. Citi
Citi provides instant card numbers for its credit cards, including the Citi Double Cash Card, Citi Rewards+ Card, and Citi Premier Card. You can request an instant card number through the Citi mobile app or by contacting customer support.
#4. Capital One
Capital One offers instant card numbers for its credit cards, including the Capital One Venture Rewards Credit Card, Capital One Savor Cash Rewards Credit Card, and Capital One Quicksilver Cash Rewards Credit Card. You can request an instant card number through the Capital One mobile app or by contacting customer support.
#5. Discover
Discover provides instant card numbers for its credit cards, including the Discover it Cash Back, Discover it Miles, and Discover it Chrome. You can request an instant card number through the Discover mobile app or by contacting customer support.
Read Also: Discover Bank Review: 2023 Detailed Guide
What is the quickest credit card to get?
The quickest credit card to get will depend on a number of factors, including your credit score, income, and employment status. However, there are some types of credit cards that may be easier and quicker to get approved for than others. Here are a few options to consider:
#1. Secured Credit Cards
A secured credit card requires you to put down a deposit, which serves as collateral for the credit limit. These cards are often easier to get approved for because the deposit reduces the lender’s risk. Additionally, some secured credit card issuers may offer instant approval.
#2. Store Credit Cards
Store credit cards are often easier to get approved for than general credit cards. They typically have lower credit limits and higher interest rates, but they may also come with perks such as discounts or rewards at the store where they are issued.
#3. Credit Builder Loans
Credit builder loans are loans that are specifically designed to help people build credit. These loans often have lower interest rates than credit cards, and they are easier to get approved for because they require collateral. They work by depositing the loan amount into a savings account, and you make payments on the loan until it is paid off. Once the loan is paid off, you receive the savings account funds, which can help improve your credit score.
#4. Prepaid Debit Cards
Prepaid debit cards are not technically credit cards, but they can be a good option if you need to make purchases online or in stores. These cards do not require a credit check or income verification, and they can often be obtained quickly.
It’s important to note that while these options may be quicker to get approved for, they may also come with higher interest rates or fees. Be sure to read the terms and conditions carefully and compare multiple options before applying for a credit card.
Conclusion
The instant approval of virtual credit cards offers several advantages, including convenience, security, flexibility, and accessibility. By using a virtual credit card, you can protect yourself from fraud and unauthorized purchases while enjoying the ease and convenience of online transactions. If you haven’t tried using a virtual credit card yet, consider applying for one today to experience the benefits of instant approval firsthand.
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