April 25, 2024

Whenever you apply for a brand new bank card, it is not unusual to attend 10 to 14 days in your bodily card to reach within the mail. This begs the query, are you able to really use a bank card earlier than it arrives? And if that’s the case, how precisely does that work?

The fact is, there are a number of sorts of bank cards you should use earlier than they arrive within the mail — and even immediately after you are accepted. This information will go over the sorts of immediate approval bank cards you should use straight away, which issuers supply them and customary pitfalls to be careful for if you want to use a bank card shortly.

Can I exploit a bank card earlier than it arrives within the mail?

Utilizing a bank card quantity earlier than you obtain a bodily bank card is feasible, however solely with sure sorts of playing cards from bank card issuers that facilitate this selection. For instance, American Specific may be very upfront about their immediate use card choices, and the identical is true for a lot of common rewards bank cards from Chase (with some exceptions).

There are additionally some situations the place you may apply for a bank card throughout the checkout course of for an internet buy, use the road of credit score to finance your buy and obtain a invoice within the mail afterward. On the finish of the day, you will wish to think about which bank cards supply immediate use or different means to make use of them just about if you want to make a purchase order with credit score now and you’ll’t afford to attend.

Forms of bank cards you should use immediately after approval

Which of the most effective bank cards make it simple to begin buying straight away? Take into account the next card varieties and examples beneath.

On the spot use playing cards

First off, it is best to know that some card issuers supply immediate use playing cards you should use straight away should you’re accepted. Whereas a number of the playing cards on this area of interest are supplied by means of retail shops that attempt to get you to join their co-branded bank card if you make a purchase order in-store or on-line, others are supplied by means of main card issuers.

For instance, chances are you’ll be requested if you wish to apply for the Capital One Walmart Rewards® Mastercard® if you store in-person at Walmart shops or make an internet buy with the retailer. You may apply for this card throughout the checkout course of both means, and you should use your line of credit score immediately upon approval. Capital One additionally notes that, if they can not approve you for the Mastercard model of this immediate use bank card, chances are you’ll robotically get assigned the Walmart Rewards® Card that solely works for Walmart purchases as a substitute. 

As we talked about already, American Specific can be good about making their playing cards immediately accessible to customers. On the American Specific web site, they are saying that eligible prospects can get their card quantity straight away after approval, and that they’ll immediately add it to a digital pockets like Apple Pay, Samsung Pay, Google Pay or Amazon Pay to start making purchases.

American Specific says that each one of their shopper playing cards and cost playing cards are eligible for fast card use, however that not all card candidates are. Amex additionally goes additional to say eligibility relies on their means to “authenticate you” throughout the software course of.

Chase affords an analogous possibility with its “Spend Immediately” promotion. Basically, you may apply for a card for fast use and start utilizing your card quantity after including the cardboard to an eligible digital pockets. Whereas many rewards bank cards from Chase are eligible, the cardboard issuer says card_name, card_name, Aeroplan, Chase Freedom Flex, Amazon, Amazon Prime, Disney, Disney Premier and enterprise bank cards are ineligible to be added to a digital pockets immediately after approval.

Extra immediate use playing cards to contemplate embrace:

Chase Freedom Limitless®

Credit score rating


Welcome supply particulars



  • SPECIAL OFFER: Limitless Matched Money Again. Chase will robotically match all of the money again you earned on the finish of your first 12 months! There isn’t any restrict to how a lot money again you may earn.
  • 1.5% money again on all purchases.
  • No annual charge.
  • 0% intro APR on purchases and steadiness transfers for 15 months.
  • Extra 5x money again on journey bought by means of the Final Rewards program, 3x on eating, and 3x on drugstore purchases.
  • Additional 1.5% earned the primary 12 months as much as $20,000.


  • 5% money advance and steadiness switch charges.
  • 3% international transaction charge.
  • Solely accessible for cardholders with a great credit score rating.

Digital bank cards

Some bank card issuers additionally supply one other various that results in immediate use — digital card numbers. Nevertheless, digital card numbers work in a distinct method than bodily playing cards and different immediate use playing cards, and they’re supplied on a extra restricted foundation.

With a digital account quantity, you get a one-time-use card quantity you should use to make a purchase order on-line. Digital card numbers additionally require using a private identification quantity (PIN) that permits you to show you’re the particular person accepted to make the transaction.

Only some card issuers supply digital card numbers that can be utilized straight away, which limits your choices on this realm. An excellent possibility contains the card_name for customers in good credit score standing.

Airline and lodge bank cards

You might also discover that some airline and lodge manufacturers attempt to entice you into signing up for his or her co-branded bank cards if you’re making a purchase order. On this state of affairs, you have got the choice to use for the cardboard and cost your journey buy immediately, then wait in your bodily card to reach within the mail earlier than utilizing it for extra spending.

Whenever you e-book a flight with Delta Air Traces, for instance, that is precisely what occurs. Not solely does Delta attempt to get you immediately accepted for one in all their co-branded bank cards, however they provide assertion credit and welcome affords to entice you into signing up.

Delta Air Lines sign up

Causes to make use of your bank card straight away

Why would anybody wish to use their bank card quantity straight away? There are many situations the place immediate card use is smart.

  • You wish to make the most of a bonus supply or promotion. Like within the instance from Delta above, there are a lot of conditions the place you may rating a bonus or assertion credit score supply only for signing up for a bank card when you make a purchase order. These promotions might not apply or be fairly as beneficiant in any other case, so it could make sense to strike whereas the iron is sizzling.
  • An in-store low cost applies. In some conditions, signing up for a bank card at a register or on-line throughout a purchase order can result in an immediate low cost. Whenever you store at Kohl’s, for instance, you’ll usually get 35% off your first buy if you join the Kohl’s Credit score Card throughout checkout.
  • It’s good to make an necessary buy straight away. If you want to purchase one thing and you do not have the money or a line of credit score you should use, an immediate use bank card can present you the financing you want if you want it.
  • Surprising payments are wrecking your finances. Possibly your automotive broke down and you need to pay the storage to get it again, or possibly you require emergency dental surgical procedure and must pay upfront to obtain care. In both state of affairs, you can apply for a bank card that provides immediate use, add the cardboard to your digital pockets, then use the digital pockets for cost so long as the recipient accepts this cost technique.

What are the dangers concerned?

As a result of bank cards supply customers sturdy safety towards unauthorized purchases, immediate use playing cards do not include any extra dangers you do not face with a bodily bank card. In actual fact, the Federal Commerce Fee (FTC) factors out that absolutely the most customers might be responsible for when fraud happens with a bank card is capped at $50. And, in case your account quantity is used however your card isn’t misplaced or stolen, you are responsible for $0 in fraudulent fees made together with your card both means.

Past that, the most effective bank cards all supply $0 legal responsibility safety on their very own regardless. If a hacker is in some way capable of entry your card quantity, whether or not your actual one or a digital card quantity, it is best to name your card issuer to inform them of the fraud instantly. At that time, they are going to assign you a brand new card quantity and ship you a brand new bodily card within the mail.

Steadily requested questions (FAQs)

Find out how to add a bank card to a digital pockets?

The method for including a bank card to a digital pockets varies based mostly on the pockets you are utilizing and the cardboard issuer. If you’re making an attempt so as to add a Chase bank card to a digital pockets by way of the Chase cell app, for instance, you’d open the Chase app, select the Chase card you wish to add, scroll right down to “Account Providers” and choose “Digital Wallets.”  At that time, you can  select which digital pockets you wish to use from Apple Pay, Google Pay or Samsung Pay.

Can I exploit my Capital One bank card earlier than it arrives?

Sure. Many Capital One bank cards supply a service referred to as Eno that permits you to apply for digital card numbers you should use straight away. 

Can I exploit my Amex card earlier than it arrives?

If American Specific is ready to authenticate your identification if you apply for one in all their playing cards, chances are you’ll be supplied with an immediate use bank card quantity you may add to a digital pockets inside minutes of approval.

Can I get a bank card on the identical day?

Many bank cards will let you begin making purchases on the day you apply, however you usually is not going to obtain your bodily card within the mail for a number of days as much as 14 days.