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Discover
discover.com › credit-cards › instant-use-credit-cards
Instant Use Credit Cards & Virtual Card Numbers | Discover
An instant use credit card is a credit card that lets a cardholder use their new account as soon as they get approved, so they don't have to wait to receive a physical card in the mail to start spending.
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American Express
americanexpress.com › us › credit-cards › features-benefits › digital-wallets › instant-approval-credit-card
Instant Credit Card Number: Instant Approval and Use | Amex US
With your Instant Card Number, you can start making online purchases, or add it to your digital wallet for in-store shopping and select online checkout services. If you’re approved for an American Express Card, and you’re eligible, you’ll be invited to get your Card number instantly.
Discussions

Which cards allow you to spend instantly once approved without requiring the physical card?
Chase and Amex let me use Apple Pay immediately.. More on reddit.com
🌐 r/CreditCards
65
36
July 26, 2025
Hey. I need a credit card, that allows you instant access to it, like a virtual card. I’d like to be able to use it instantly, I have to pay $100 more, to get my security license
Most major banks support “instant use” upon approval through a digital wallet. The key part of your question is “which you can get” about which you have provided no information so no one can suggest anything specific to you. More on reddit.com
🌐 r/CreditCards
81
26
November 29, 2023
Any Credit Card which gives immediate access to use on Approval?
I applied for an AMEX yesterday and was given the option of getting my card number immediately. BUT, there is a reduced credit limit on the account until I get the real card More on reddit.com
🌐 r/CreditCards
19
3
December 29, 2023
Which cards give instant approval and virtual card
cap one and amex do this from what i've seen people say around here More on reddit.com
🌐 r/CreditCards
22
4
July 8, 2023
People also ask

What is the difference between the PayPal Credit Card and the PayPal Credit digital line?
The PayPal Credit Card is a travel companion and so much more. Use it to pay over time on all qualifying travel purchases posted to your account by September 30, 2026, plus use it wherever Mastercard is accepted. When you check out with PayPal, use PayPal Credit Card to unlock special financing on all purchases of $149 or more.
 If you aren’t approved for the PayPal Credit Card, you might still get a PayPal Credit digital line. This is a reusable, digital line of credit, with the same special financing offer when you check out with PayPal on purchases of $149 or more.
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paypal.com
paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit
PayPal Credit: Your Reusable Credit Line | PayPal US
Can I choose whether I get a PayPal Credit Card or a PayPal Credit digital line?
No. If approved, you’ll get either a PayPal Credit Card or a PayPal Credit digital line based on your credit history.
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paypal.com
paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit
PayPal Credit: Your Reusable Credit Line | PayPal US
Is the PayPal Credit Card’s travel promotion only for a limited time?
Yes, for a limited time, travel now and get No Interest if paid in full in 6 months on all qualifying travel purchases posted to your account by September 30, 2026.
 Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required. Subject to credit approval. See terms.
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paypal.com
paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit
PayPal Credit: Your Reusable Credit Line | PayPal US
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Synchrony
synchrony.com › financing › credit-cards
Synchrony Credit Cards: Prequalify or Apply Online
There is no impact to your credit score. Get a decision in seconds. If you prequalify, then apply. Click Apply if you're confident you'll be approved
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Ginny's
ginnys.com › cm › buy-now-pay-later
Buy Now, Pay Later Credit - Fast Approval | Ginny's
With Ginny's Credit you get buy now, pay later convenience on colorful kitchen products, furniture, electronics and much, much more. Low Monthly Payments!
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NerdWallet
nerdwallet.com › credit-cards › learn › instant-credit-card-numbers
Credit Cards You Can Use Instantly After Approval - NerdWallet
2 days ago - Once your application is approved, a virtual card number will become accessible through the Capital One app. The virtual card number can be used instantly for online shopping, and once you receive a physical card in the mail, the virtual card number can still be used for extra security in scenarios where you don’t want to provide your physical card details to the vendor. » MORE: Full review of the Capital One Venture Rewards Credit Card
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Sezzle
sezzle.com
Sezzle: Buy Now, Pay Later. 0% Interest.
Sezzle allows you to buy now and pay later! Shop now, get what you need, and pay later in 4 interest-free installment payments over six weeks. Learn more!
Find elsewhere
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Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › no-credit.html
Credit Cards for No Credit - Mastercard
See if you Pre-Qualify in minutes without harming your credit score – all credit scores welcome to apply · Earn 1.5% unlimited cash back on card purchases every time you make a payment. See details. Get a virtual card instantly after approval – simple and fast application · Add to your mobile wallet and make purchases today using Apple Pay, Samsung Pay and Google Pay · Accepted everywhere in the US where you see the Mastercard logo – in store, online, and in app
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WalletHub
wallethub.com › popular credit card questions
Best Instant Approval Department Store Credit Cards (2025)
October 29, 2025 - Most store cards, including the ones affiliated with department stores, can offer instant approval. When you apply online, there’s always a chance you will be instantly approved (or denied).
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PayPal
paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit
PayPal Credit: Your Reusable Credit Line | PayPal US
Pay with either the PayPal Credit Card or PayPal Credit digital line and get 6 months special financing on purchases of $149+ at millions of online merchants that accept PayPal.1 · You can apply for a PayPal Credit account from the PayPal website or in the PayPal app. When you apply for a PayPal Credit account, you’ll be asked to provide your date of birth, your income after taxes, the last 4 digits of your Social Security number, and agree to the Terms and Conditions. You’ll know within seconds if you are approved for a PayPal Credit Card or a PayPal Credit digital line.
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KOHO
koho.ca › instant-approval-virtual-card
Instant Approval Virtual Card - No Credit Check
Need a Virtual Card? Apply online for KOHO's virtual Mastercard: get guaranteed, instant approval. Start using it today to pay in-store, online and in-app!
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Capital One
capitalone.com › learn & grow › money management › instant no-deposit credit card
Instant-Use and Instant-Approval Credit Cards | Capital One
October 2, 2025 - When applying online for a Capital One credit card, you could receive a decision within minutes. Keep in mind that if more information is needed, it could take longer. Once you submit an application, you can expect a written response within seven to 10 days after Capital One reviews it. It’s possible to receive near-instant approval for and use of an unsecured credit card.
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RTBShopper
rtbshopper.com › blog › get-5000-instantly-online-shopping-catalogs-with-instant-credit
Get $5000 Instantly: Online Shopping Catalogs With Instant Credit | RTBShopper
August 24, 2021 - Even if you have a low credit score or no credit at all, that's okay too because we don't do a credit check when you apply! With just a few clicks we can get you approved for low monthly payments in an instant.
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Klarna
klarna.com › us › store › 61561d2b-861f-4c49-98e6-02a7c84831d7 › Instant-Shopping-USA™ › pay-with-klarna
Buy now pay later at Instant Shopping USA™ - Pay in 4
Access Klarna's flexible payment options anywhere and unlock cashback rewards at top stores — exclusively in the Klarna app.
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Wisconsin Cheeseman
wisconsincheeseman.com › cm › buy-now-pay-later
Buy Now Pay later | Wisconsin Cheeseman
Use Wisconsin Cheeseman Credit and get buy now, pay later convenience on a huge selection of artisanal cheeses, sausages, chocolates, fruitcakes and more. Our low monthly payments and fast approval process make it easy to use credit while shopping online or in our catalog.
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U.S. News
money.usnews.com › home › credit cards › credit card news & advice
Instant Approval Credit Cards That You Can Use Immediately for Holiday Shopping | Credit Card News & Advice | U.S. News
2 weeks ago - Using a virtual credit card number can make online shopping a little safer. ... The majority of new Capital One credit card customers are eligible for instant access to a virtual card before their physical card arrives in the mail, a company spokesperson says. This means that once an eligible customer is approved for a new credit card, they can start shopping with a virtual card number that can be found on the Capital One app.
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New Horizon
newhorizon.org › home › info › catalog credit cards
Online Store Credit Cards Guaranteed Approval
October 9, 2025 - Instant Approval* No Credit Check · No Employment Check · Fast online application · Bad Credit – OK · *See site for details · Advertiser Disclosure · Sezzle enables you to obtain no-interest loans for purchases.
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Google Play
play.google.com › store › apps › details
Sezzle - Buy Now, Pay Later - Apps on Google Play
- INSTANT APPROVAL DECISION No long forms to fill out at signup.​​ You’ll know if you’re approved instantly and can start shopping right away. Features Our Users Love: - SEAMLESS EXPERIENCE Discover the simplicity of Sezzle installment payments at your favorite online stores - just select Sezzle at checkout.
Rating: 4.6 ​ - ​ 99.1K votes
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Zip
zip.co › us
Buy Now Pay Later with Zip - Shop online or in-store today
September 17, 2020 - Buy now pay later with Zip at millions of stores online and in-store. Download the Zip app and split nearly any purchase into 4 installments over 6 weeks.