

One of the most common types of instant use cards is retail store cards, which you can apply for in-store and use to pay for a transaction right after.Ĭustomers who sign up for a retail credit card in-store may receive a copy that they can use right away, says Ranjit Sarai, vice president of digital banking product at Credit Sesame, a credit monitoring service. With an instant use card, you can apply and get approved in a matter of minutes, which gives you instant access to the account.

If you want to use a credit card early, you must have either an instant use card or a credit card that offers virtual account numbers. Using a credit card before it arrives is possible - but only with certain cards.
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How to Use Your New Credit Card Before it Arrives Whether you want to fund a big purchase or get a head start on earning cash back or free travel, here’s how you can use your new credit card before it arrives in the mail. Although not all cards offer this option, it’s worth looking into if you need to use a new card quickly. In some instances, you may be able to use a new credit card before you’ve received the physical card. It usually takes a few days for your new card to arrive in the mail, but you might not have to wait that long to use it. Whether you’re getting your very first credit card or adding another rewards card to your collection, getting a new credit card can be an exciting experience. Enrollment may be required for some American Express benefits and offers. Terms apply to American Express benefits and offers. For more information, see How We Make Money.

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