If you’re looking for the fastest way to get a credit card, you’re not alone. Whether it’s for an unexpected expense, travel plans, or building credit fast, getting access to a credit card quickly has become more important than ever – and thankfully, easier too.
Thanks to digital applications and instant approval tools, you could have a credit card number ready to use in just minutes.
In this guide from Available Cards, we’ll break down how to apply, what to expect, and how to choose the right card for your situation.
Why You Might Need a Credit Card Fast
Sometimes, life throws you a curveball and you need to respond quickly. Maybe your car broke down right before payday.
Maybe you’re about to book a last-minute trip. Or maybe you’re building credit and need to get started now.
Whatever the reason, having a credit card on hand gives you flexibility and protection – especially when used wisely.
It can cover emergencies, earn rewards, or help you reserve travel services that require a credit card. The key is getting it fast, and getting it smart.
What’s the Fastest Way to Get a Credit Card in 2025?
The fastest way to get a credit card today is through an online application with instant approval and digital card access.
Many credit card issuers offer this streamlined process, allowing you to apply, get approved, and start using your card – all within the same day.
Several banks and fintech companies now give you access to a virtual card immediately after approval.
That means you can make purchases online or add the card to a mobile wallet like Apple Pay or Google Pay while you wait for the physical card to arrive in the mail.
At Available Cards, you’ll find a full comparison of issuers that offer instant decisions and same-day access, so you don’t waste time applying for cards that take forever to process.
Top Issuers With Instant Approval and Digital Access
Some credit card issuers are especially fast when it comes to approval and digital access. Let’s take a closer look:
American Express
Amex is known for instant decisions and top-tier service. If approved, you can often access your card number immediately through your online account or app.
Cards like the Blue Cash Everyday® and Amex Gold offer great perks and speedy availability.
Capital One
Capital One is a strong choice for beginners and those building credit.
Many of its cards, including the Quicksilver and Platinum, offer instant approval and immediate digital access via the Capital One app.
Apple Card (via Goldman Sachs)
This card is designed for speed. You apply directly on your iPhone, and if approved, your card is instantly available in Apple Wallet. You can use it right away – no physical card required.
Discover It® Secured
Perfect for those with limited or no credit history. Although it requires a refundable deposit, Discover often approves applications quickly, and you can track your account immediately through the app.
It’s a great way to build credit while still enjoying a fast approval experience.
Tips to Speed Up Your Credit Card Approval
Want to increase your chances of getting that instant “yes”? Here are a few tips to make sure your application process goes as smoothly – and quickly – as possible:
1. Check your credit score beforehand.
Knowing your credit score helps you target cards that match your profile. Many rejections happen simply because applicants choose cards that don’t fit their credit level.
2. Have your information ready.
When applying, you’ll need to provide your Social Security Number (SSN), income, employment status, and address. Having these details handy speeds up the process.
3. Avoid applying for multiple cards at once.
Every hard inquiry affects your credit. Focus on one application at a time and use pre-qualification tools, like those on Available Cards, to see your approval odds without damaging your score.
4. Choose issuers known for instant approvals.
Some banks take longer than others. Stick with those that advertise fast processing and virtual access.
What If You Have Bad or No Credit?
Even if your credit history isn’t perfect – or doesn’t exist yet – you still have options. Here’s how to get a credit card quickly in these situations:
Secured Credit Cards
These require a refundable deposit that becomes your credit limit. They’re easier to qualify for and usually offer faster processing than traditional unsecured cards.
Student Credit Cards
Ideal for college students with limited credit history. These cards are designed for first-time users and often come with quick application processes.
Credit Builder Tools
Some fintech platforms now offer hybrid credit/debit cards that report to the credit bureaus.
While not always instant, they’re faster than building credit the traditional way.
Remember – building credit takes time, but starting with the right product puts you on the right path.
The Available Cards platform can help you filter credit cards by approval speed and credit requirements to find one that suits you perfectly.
FAQs – Frequently Asked Questions
What’s the fastest way to get a credit card today?
Apply online with issuers that offer instant decisions and virtual access – some cards are ready to use in minutes.
Can I use my credit card before it arrives in the mail?
Yes. Many issuers provide a virtual version of your card upon approval for immediate use.
Do secured cards approve faster than regular cards?
Often, yes. They typically have lower approval requirements and faster processing.
Will applying hurt my credit score?
A single application results in a hard inquiry, which may slightly lower your score temporarily. Using pre-qualification tools can help avoid unnecessary hits.
How long does it take to receive a physical credit card?
Most arrive in 5 to 7 business days, but some issuers offer express shipping within 1 to 3 days.
Final Thoughts on Getting a Credit Card Fast
In 2025, getting a credit card doesn’t have to be a slow, complicated process.
Whether you’re rebuilding your credit, preparing for an emergency, or just ready to start earning rewards, the fastest way to get a credit card is right at your fingertips.
With online applications, instant decisions, and digital access, you can go from “I need a card” to “approved and ready to shop” in less than a day.
Platforms like Available Cards make it easier than ever to compare options, see your approval odds, and apply confidently – all in one place.
Don’t let delays hold you back. With the right tools and a little guidance, your next credit card could be just a few clicks away.