A same day credit card is a credit card you can use immediately upon approval. With most credit card companies, you must wait until you receive the actual card in the mail before using it. With a same day credit card, the company will give you the credit card number as soon as you are approved. It can be very helpful, especially in an emergency when you need the credit as soon as possible.
Every bank does not issue same day credit cards, but some, like American Express, do it regularly. If you look at this page for a samme dag kredittkort, or same day credit card, they can help you with a list of companies to look at. Do your research and find the one that is the best for you and your needs.
You will need to be careful with applying for credit cards because the more you apply, the more it will affect your credit. Every time you apply, there is a hard inquiry on your credit that can affect other loans in the future. You need to only apply to the ones you think you will get and not apply for every card you like.
It is another list of companies willing to do same day credit cards. Please go through it, choose the one with the good benefits for you, and compare it to other cards. See which has the best benefits and fits your needs the best. Most of these cards require excellent credit scores to get them on the same day, and not all have the same ability to be used everywhere on the same day.
1. Blue Cash Preferred Card by American Express
This card starts new users with a zero percent annual percentage rate for the first year of use. After that, the interest rate can go up to 24.99% on all purchases after that first year. If you spend three thousand dollars in the first six months, they also offer you three hundred fifty dollars cash back. This card has a ninety-five-dollar annual fee, which is about average by industry standards.
You can use this card immediately after approval because you will be sent a credit card number. It can be used anywhere, for instance, for online purchases, where a physical card is not needed. You can only get this offer online because American Express must instantly verify your identity to prevent identity theft. It will keep your credit information safe and secure.
2. Chase Sapphire Preferred Card
You can add this card to your digital wallet with a credit card number immediately after approval. This way, you can use the card anywhere online or in stores. These cards work with the most popular digital wallets, including Apple Pay, Samsung Pay, and Google Pay.
You can earn sixty thousand points if you spend four thousand dollars in the first six months. It is a card that is good for people who love to travel, and you get bonus points for the first six months of using the card. You also earn points on every dollar you spend on travel, groceries, and streaming services. You can check their website and see where else you can earn bonus points.
3. Bank of America Premium Rewards Card
This card earns two points for every dollar spent on travel and one and a half points for everything else. It comes with two hundred dollars in travel rewards and an additional fifty thousand online bonus points if new customers spend three thousand dollars in the first three months. If you are a part of the Preferred Rewards program, you can get even more bonuses.
You will need at least one existing account with the bank to get immediate access to a credit card number, and once you have it, you can add it to a digital wallet. You must apply through the app and push the selected offer to get your number immediately. It is the only way to get this benefit from this card.
4. Amazon Prime Rewards Visa Signature Card
With this card, you can get up to five percent rewards on items from Amazon and Whole Foods and one or two percent everywhere else. These rewards are worth one cent each and can be used for Amazon purchases or placed in a qualifying bank account. The card has no annual fee, but you must be an Amazon Prime member to qualify for it.
With this card, you can only get the immediate use card number for purchases at Amazon. You will have to wait for the physical card to use it anywhere else, but there is so much to shop for on Amazon.
5. United Explorer Card
This card is usually used for airline purchases and other travel purchases. You get up to seventy thousand bonus miles for new people signing up and sixty thousand bonus miles after you spend three thousand dollars in three months. If you spend six thousand dollars in six months, you can get an additional sixty thousand bonus miles. You can get additional bonuses. Check the website to see what else is available for you.
If you want to use this card immediately after approval, you must buy travel purchases from United. Otherwise, it would help if you waited for your physical card to make any other purchases. This card is a little different from the other cards on this list.
6. Upgrade Triple Cash Rewards Visa
It is a unique card in that you can use it as a loan or credit card. If you use it as a loan, the money will be put into your account, and you can use it just like any other credit card. You can also use it as a credit card with a set limit and pay the balance every month. This card has no annual fee, and you can earn three percent cashback on home, car, and healthcare purchases and one percent for everything else.
To use this instantly, you must use the virtual card that you have online after approval. You can use it for anything online, and the number will be different than your permanent card once you get it.
7. SoFi Credit Card
It is another unique credit card that offers cash back on purchases. You can also use this card to invest, buy cryptocurrency, or repay your loan. If you pay back your loan with this card, you will earn an additional two to three percent back. Once you make twelve on-time payments with this card, your annual percentage rate will reduce by one percent.
You can use this card immediately upon approval if you put the information into your digital wallet. You can then use the card anywhere online or in stores.
These are just a few of the same day credit cards that you can apply for and then use immediately upon approval. Some cards have more limitations than others, but all have bonuses you can earn. You can only use some of the cards online, but others can also use them in stores.
You can also find more information and lists of same-day credit cards if you do a little research online. It would help if you also researched how credit cards can affect your life by visiting the site. They can tell you all you need to know about credit cards.
Final Thoughts:
With these cards, you must have good to excellent credit scores to qualify for them. There are few options for people with bad credit to get same day credit cards. There are cards, though, that will allow you to use them as if they were credit cards if you have a loan with the company.
You have to be careful with credit cards because their use can affect your credit score if you do not make payments on time. It can affect your ability to purchase larger items such as cars and homes in the future. You want to keep your credit in good standing so you can buy the things you want in the long term.
