Best Instant Approval Virtual Credit Cards in 2022
The world of finance has become much simpler than ever before. Thanks to technology and innovation, the process of applying for a loan, credit card, or any other financial product has become faster and easier.
You no longer have to spend hours in lines waiting to speak to someone about your financial options. Instead, you can apply online in a matter of minutes and receive instant approval credit cards with instant use.
The best virtual credit cards are widely accepted, trustworthy, cost-effective and have a variety of features. However, with so many different types of prepaid debit cards on the market right now, choosing one that suits your needs might seem complicated at first glance. Let’s dive deeper into why getting many of them will come in handy in the future.
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Instant Approval Virtual Credit Cards: Best Offers
The virtual credit card is a secure financial instrument. The user can load cash on the card, use it to make payments online or offline, and get pre-approved for certain transactions. This makes it a perfect choice for people who are not comfortable giving their financial details or those who have issues with their credit.
However, virtual credit cards are not that common. Many users do not know how beneficial they can be. Read on to learn more and how they can help you get back on track when it comes to your finances.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® from American Express is one of the best low-fee ($95) virtual cards on the market today. It offers 6% cash back at U.S. supermarkets and steaming services, 3% back at U.S. gas stations and selected U.S. department stores each time you make a purchase, plus 1% cash back for all other purchases.
Like most cash-back options, the Blue Cash Preferred® from American Express is a great choice for folks who aren’t paid to put money into savings accounts every month. But it also makes sense as a basic card if you regularly spend at least $3,000 in a three-month period and want to earn a little bit of extra cashback along the way- $350.
Keep in mind that this Amex APR isn’t competitive with many other products on the market today (16.24%-27.24% variable). But it’s still worth considering if you’re in the market for an instant card that comes with some additional perks like travel insurance or a free credit score update each year.
Blue Cash Everyday® Card from American Express
If you’re searching for a new virtual card, but don’t have time to do the research, we would definitely consider the Blue Cash Everyday® from American Express. This product is designed for everyday spending, and it has no annual fee.
A big advantage of this one is that you get up to $250 in cash back each year. You can use these rewards to pay your bills, make purchases at selected supermarkets and online shopping sites, or take money out at ATMs. So, it’s a great option if you’re frequently making purchases with your debit card.
Another benefit of this instant card is that it comes with a free FICO score and credit report every month. So, you can see how your credit is tracking and get an idea of how you’re doing overall. Apply on the American Express website and get a decision straight away.
Costco Anywhere Visa® Card by Citi
The Costco Anywhere Visa® by Citi is a virtual card that allows you to make purchases at any Costco warehouse or membership club in the U.S. and Puerto Rico with no foreign transaction or annual fees. Anyone interested can apply on the Citibank website and get an instant decision.
With its 4% cash back on gas stations and EV charging, 3% on travel and restaurants, 2$ on Costco purchases, and 1% on all other purchases. The Costco Anywhere Visa itself is not a bad product to have if you frequently bring items to their stores.
Just remember that you will need to pay the full amount of anything you buy from the store, but it’s also a great everyday spending method.
This instant card is ideal for frequent Costco shoppers, as well as those looking for a no-annual-fee plastic with a healthy amount of rewards. Their 4% cash back on travel makes for a nice reward for vehicle owners, but Costco Anywhere lacks travel rewards for public transportation users.
Capital One® Walmart Rewards® Card
Whether you have a good credit score or a fair credit score, Capital One® Walmart Rewards® is one of the best ways to earn rewards while shopping at Walmart by earning cash back on purchases. This instant card offers a generous rewards program that allows users to earn up to 5% cash back for online Walmart purchases.
In addition, users can earn unlimited 2% cash back on all other purchases made at any Walmart store, including restaurants and travel. The competitive rewards rate and generous Walmart rewards (including delivery and pick up) bonus make this one a good choice for frequent Walmart shoppers.
While this Capital One is not a good fit for those who do not shop at Walmart frequently, it is best for those with a lower and average credit score. They can earn extra cashback on everyday spending while making the most of their Walmart purchases. With the correct information, users can apply on the Capital One website and get an immediate decision.
American Express® Green Card
The American Express® Green is a great way for travelers to save money on their lounge booking, car rental, travel insurance, as well as everyday purchases. As a member of the American Express Platinum family, you’ll earn 3x Membership Rewards points for restaurants around the globe, plus all travel amenities like car, flight, and hotel bookings.
The Amex Green also comes with some very useful perks, including roadside assistance and access to the American Express Customer Service app. Those looking for a travel-friendly and convenient way to save money should definitely consider getting an American Express instant card.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® from American Express is a great option for those who want to earn Delta miles at a relatively low cost. This instant card offers an introductory $0 annual fee for the first year, then a $99 charge, as well as a signup bonus of 65,000 bonus miles when you make $2,000 in purchases in your first 6 months.
Additionally, the Delta Amex earns 2x miles on all purchases (including Delta) and 1 mile per dollar spent at gas stations and grocery stores. It also has no foreign transaction fees. The only downside is that this product doesn’t offer any sign-up bonus after that initial 65,000 miles. However, it does have a competitive rate on its annual fee, so it’s a good choice for those who don’t plan to carry a balance.
If you’re on the lookout for a travel rewards instant card with no foreign transaction fees, then this is definitely worth considering. It’s also worth noting that Amex doesn’t have an introductory APR offer, so your APR will be based on your creditworthiness when you apply – typically between 19.49% – 28.49%.
Why Would You Need an Instant Credit Card Number?
The instant credit card number is a number that is generated on the spot at a bank or credit union. It is a virtual card number that can be used to make purchases online, over the phone, or in person. You can use an instant credit card number anywhere you can use a credit card.
They are especially useful in situations where you don’t have access to your traditional credit plastics, like when you’re traveling abroad or camping. Instant credit card numbers are also useful for businesses that sell products online and want to quickly process payments.
Pros and Cons of Instant Approval Virtual Credit Cards
When you have an instant virtual card, all you need is a phone and access to their banking app. But perhaps the biggest benefit of them is their security. Since the numbers are virtual, they cannot be cloned, making them ideal for online safety when making payments.
With instant virtuals, you can buy items online and pay for them using just your virtual number. This means that there’s no need to go through the hassle of getting a real credit card, signing up for an account, and waiting weeks to receive your new plastic in the mail.
You can use instant virtuals to fund your prepaid debit card or even your PayPal balance. This gives you another option when paying for goods and services with your regular debit or credit card. But virtuals cannot be used in stores and there are no instant deposits when making purchases.
How to Get Instant Credit Card Number?
It is true that instant credit numbers are hard to come by. But it is possible to get one. The first thing you need to do is find a reputable company that offers instant credit card numbers.
The company will verify your identity and also give you a secure account. Once your background checks are approved, you can receive your instant number in under 24 hours – usually instantly if all checks are successful.
- Apply online or over the phone. Once you’re approved, you will be given your number through email.
- Then you can add the card number to your digital wallet and begin using it straight away.