Being approved for a credit card is not the same as being able to use it. Featured image by John Gribben/The Points Guy. It also means if you do receive a pre-approval offer you should have a great chance of being approved. If you truly want to use the card during the same lunch hour in which you apply, you’ll need to choose a card that offers an instant credit card number—and, of course, most don’t. Technology makes it possible to be approved for a credit card—and even start using it—within minutes. As with most things in modern life, the reality of instant approval credit cards is complicated, and there are no guarantees. See the online credit card applications for details about the terms and conditions of an offer. Nevertheless, your chances are significantly improved by prequalifying first. When she's not writing about credit cards, she's putting her own points and miles to use planning her next big vacation. American Express prequalified offers don’t trigger a hard pull to your credit until you apply. Earn up to 85,000 bonus points with the Platinum cards from American Express. I … They do not mean that you will be instantly approved and some people do get rejected even when applying for a pre-approved offer. Amex Blue Cash Everyday requires good credit for approval, so make sure you meet that requirement. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. One report showed a new card approval with a credit score as low as 625, though the applicant did have a steady income of at least $50,000 annually. All Credit Intel content is written by freelance authors and commissioned and paid for by American Express. One place to check for American Express prequalified offers is on CardMatch™, a tool offered here on CreditCards.com. What Credit Card is Best for You in 2020? I remember the days when qualifying for an American Express card was a sign of privilege. To use an instantly approved card, well, instantly, you also need an instant credit card account number. If the credit card company is unable to verify your identity, There’s something questionable on your credit report. That means the offer you get on CardMatch or in the mail might not be the same as what you see on the website. Terms apply. You just need to enter basic personal information such as your name and address, as well as the last four digits of your social security number to check your offers. If you’re approved or denied, you’ll likely get a decision within a few minutes. Pre-approval means a lender has looked at your credit profile and extended you a conditional offer. If you’re seeking instant approval and use—and you’re not standing at the register at Banana Republic or Hollister or another store asking for an instant approval store credit card—an online application is likely your best bet. First, don’t get sucked in by Citi’s pre-approval hype. Get up to $150,000 in Travel Accident Insurance coverage when you travel using your Credit One Bank American Express Card. Privacy Policy. As mentioned, most American Express cards are designed for users with good to excellent credit (above 670). Check if you Pre-Qualify for Offers with the Delta SkyMiles® Platinum American Express Card. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Plus, earn up to $100 back in statement credits for … All Rights Reserved. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. All American Express® Corporate Gold Credit Card Members, Corporate Platinum Card Members, Business Platinum Card® Members and Platinum Card® Members are qualified to receive a TSA PreCheck application fee credit. Note: These offers may not have a Welcome Bonus Offer or an Introductory APR. But if you truly want it right now, there are steps you can take to improve your odds of obtaining an instant account number for a new instant approval credit card. American Express offers a wide variety of credit and charge cards – meaning it might not be as exclusive as it once was considered. And only a handful of card issuers will give you an account number to use before you get the actual card. By providing my email address, I agree to CreditCards.com’s Get essential reads every week with our newsletter. Compare rates and terms with other loans. Only with Instant approval credit cards will your application be evaluated and a decision made in real time. The Internet and automated algorithms make instant approval credit cards possible. If you are hovering on the edge of this threshold – or hoping to qualify for one of the issuer’s more exclusive cards, like The Platinum Card® from American Express – you might want to take steps to improve your credit score before you apply. However, you may still be declined if you don’t meet certain basic criteria, such as having a valid bank account.3. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. The Credit One Bank American Express Card is a relatively low-cost credit-building option, offering some terrific perks and a cash back rewards program that should help offset its annual fee. AMEX has a pre-approved section for who is currently a customer. ... American Express, Bank of America, Capital One, Chase, Citi and Discover. The offers that appear on this site are from companies from which CreditCards.com receives compensation. With several different methods to score these offers, American Express makes it easy to maximize your chances of scoring the card you want. If you could throw down an Amex card, you probably had more money than most. Can you pull it off? Of course, instant approval store credit cards may only be used in the issuing store. All rights reserved, But instant approval does not mean instant, Instantly obtaining a credit card number that you can use right away, virtually anywhere that card is accepted. Allan Halcrow is a freelance writer concentrating in business, human resources, and diversity and inclusion. She is also one of the founders of To Her Credit, a biweekly series of financial advice by women, for women. If your application is pending, a human being somewhere is going to look at it carefully before making a decision. Pre-Approval by Citi and Soft Pulls. We'll periodically review your account and, based on your overall credit history (including your account with us and other credit cards and loans), you may qualify to have your security deposit returned. Privacy Policy. I always go on there every few months to gauge how I'm doing on moving into prime cards. This strategy has its pros and cons, but it can boost your score and add to your credit file as long as the primary cardholder is responsible. 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