If you’re planning on applying for a credit card, you’ll probably want access to that card as quickly as possible. Unfortunately, not all credit card companies offer instant access to their new customers. This can be quite a pain, as new credit cards can take days or even weeks to receive and start using.

If you’re in need of an overnight delivery credit card or the best same-day credit cards, we can help you out. Our team found the top ten best overnight delivery credit cards and same-day approval cards for consumers who need to use their new credit cards ASAP. Check out our list below!

Top 10 Best Same Day Credit Cards: First Look

  1. Best flexible same day credit card – Upgrade Triple Cash Rewards Visa®
  2. Best same-day credit card for credit line expansion – Merrick Bank Double Your Line Platinum Visa® Credit Card
  3. Best same day credit card for small credit lines – Surge Mastercard®
  4. Best same day credit card for bad credit – First Access Visa® Card
  5. Best same day credit card for boosting your credit score – Credit One Bank® Platinum Visa® for Rebuilding Credit
  6. Best same day credit card for prequalification – Milestone® Mastercard® with Choice of Card Image at No Extra Charge
  7. Best same day credit card for bankruptcy recovery – Indigo® Platinum Mastercard® Credit Card
  8. Best same day secured credit card – First Progress Platinum Prestige MasterCard® Secured Credit Card
  9. Best same day credit card for excellent APR – Blue Cash Preferred® Card from American Express
  10. Best same day credit card for traveling – Bank of America® Premium Rewards Credit Card

1. Upgrade Triple Cash Rewards Visa® – Best Flexible Same Day Credit Card

  • Hybrid of a credit card and personal loan
  • $0 annual fee
  • Earns 3% cash back on specific purchases, and 1% on everything else

Perfect for: Consumers who want great rewards and added flexibility

If you spend a lot on household goods, car repairs, and general health needs, you can enjoy 3% cashback with this top-notch card. The Upgrade card also has a fixed interest rate.

To use this card immediately after approval (pending any verifications), you’ll simply need to sign in to your Upgrade account and navigate to your virtual card. The card number you see is temporary and will be different from the card number of your physical card, but you can still use your credit for online purchases until you receive your new Upgrade card.

2. Merrick Bank Double Your Line Platinum Visa® Credit Card – Best Same Day Credit Card for Credit Line Expansion

  • Reports to the three major credit bureaus
  • Doubles your line of credit after one year of regular payments
  • Doesn’t require a security deposit

Perfect for: Individuals who want the option of extending their line of credit.

This credit card offers same-day access to your credit card numbers. The Merrick credit card is ideal for those with less than stellar credit, but with that comes a few cons. Your credit line will start low, the APR is somewhat high, and you must be invited to apply for this card.

Still, this same-day credit card has some benefits. It offers a great opportunity to start building credit, and the lack of spending power makes it easier to stay in control of your debt.

3. Surge Mastercard® – Best Same Day Credit Card for Small Credit Lines

  • Great for most credit scores
  • Credit limit maxes out at $1,000, which can be ideal for some consumers
  • Reports to all three main credit bureaus

Perfect for: Consumers who want a small credit line and quick access to their credit.

The Surge Mastercard is an excellent pick for anyone who needs same-day access to their credit card, as well as flexibility for less-than-ideal credit scores. 

The initial credit limit maxes out at $1,000 with little in the way of growth opportunities, but the Surge Mastercard isn’t designed to be a massive line of credit. Rather, it’s a great card for improving your credit, as the company reports to all three major credit bureaus and offers access to your Vantage score via TransUnion.

4. First Access Visa® Card – Best Same Day Credit Card for Bad Credit

  • Requires a checking account
  • Known for approving lower credit scores where other companies won’t
  • Small credit line, which might be ideal for some users

Perfect for: Individuals with bad or fair credit scores.

While you’ll need a checking account to qualify for this credit card, it’s an excellent one to have if you need to access your credit card number as soon as possible with a small one-time fee. 

This, like many other cards on our list, is designed to help consumers with bad credit improve their credit scores. The First Access Visa Card reports to all major credit agencies, has a relatively small credit line of $300, and is extremely easy to apply for. Expect a qualification decision in less than a minute.

5. Credit One Bank® Platinum Visa® for Rebuilding Credit – Best Same Day Credit Card for Boosting Your Credit Score

  • Prequalify without a hard credit inquiry
  • Excellent fraud liability
  • Offers cashback rewards of 1% on specific purchases

Perfect for: Users who want to improve their bad or fair credit.

Do you want to rebuild your credit and access your line of credit immediately after applying? 

This great credit-builder card from Credit One Bank is an excellent choice. You can even enjoy a small cash-back rewards program and ultra-secure fraud liability, though the advertised 23.99% variable interest rate isn’t fantastic. 

Just as well, if you’d like to extend your credit line in the future, there will be numerous credit increase opportunities available. The Credit One Bank mobile app is also very useful and will be where you can access your instant credit card number.

6. Milestone® Mastercard® with Choice of Card Image at No Extra Charge – Best Same Day Credit Card for Prequalification

  • Prequalify without damaging your credit score
  • Fair credit will likely be approved
  • Tons of card designs

Perfect for: Consumers with fair credit that don’t want a hard inquiry on their credit account to see if they qualify.

If you want to apply for a card and get an answer without dealing with a hard hit to your credit score, this Milestone Mastercard could be perfect for you. 

This card offers pre-qualification that will not impact your score, and less than ideal credit is usually accepted. This is a great card for existing Milestone customers who want to access their cards quickly, but keep in mind that new customers will not be able to access their credit card until it arrives in the mail. You can choose a variety of credit card designs as well.

7. Indigo® Platinum Mastercard® Credit Card – Best Same Day Credit Card for Bankruptcy Recovery

  • Those with poor or fair credit, even a recently discharged bankruptcy, will likely qualify
  • No security deposit is needed
  • Reports to all main credit bureaus

Perfect for: Post-bankruptcy consumers who want to start repairing their credit quickly.

If you have been looking into ways to recover from a recent bankruptcy, you’ve probably seen this card floating around. 

The Indigo Platinum Mastercard is perfect for those with not-so-good credit who want to access their card quickly but plan on being as responsible as possible with it. 

Indigo offers an interest rate of 24.9%, which is common for credit-builder cards, and the company reports to all main credit reporting agencies. Your initial credit line will only be $300, but it does its job when it comes to fixing your credit score.

8. First Progress Platinum Prestige MasterCard® Secured Credit Card – Best Same Day Secured Credit Card

  • Requires a deposit to use
  • Makes credit monitoring easy
  • Deposit is refundable when your balance is paid off

Perfect for: Individuals who want the benefits of a credit card but may only qualify for secured lines of credit.

First Progress makes it easy to receive your Platinum Prestige line of (secured) credit immediately after approval with their expedited processing option. 

If you don’t have great credit or lack credit in general, you’ll likely be approved for this card. 

The online application is fast and easy, and your line of credit will be secured by your deposit, which can range from $200 to $2,000. 

When you pay your balance off, you have the option of having your deposit refunded. Whether your credit is just in a state of disrepair or you’re recovering from a discharged bankruptcy, this could be a great card to try.

9. Blue Cash Preferred® Card from American Express – Best Same Day Credit Card for Excellent APR

  • 0% APR for one year
  • 20% cashback on Amazon purchases within the first six months
  • $0 annual fee for the first year

Perfect for: Those with great credit who want the bells and whistles of a top-notch reward program and great APR.

Users can access their Blue Cash Preferred Card immediately upon approval, as well as the host of rewards that American Express offers. 

Users can enjoy up to 20% cashback on purchase as well as $150 bonuses on certain items within the first six months. This card offers 0% APR and no annual fee for the first year. We recommend using the American Express app for ease of use.

10. Bank of America® Premium Rewards Credit Card – Best Same Day Credit Card for Traveling

  • Great points-based rewards program
  • Easy to use in foreign countries
  • Requires a Bank of America account

Perfect for: Businesspeople and travelers who need a good quick-access credit card.

With this top-notch credit card from Bank of America, you can enjoy same-day access to your card via the BOA mobile app and an excellent rewards program. 

Earn two points for every dollar spent on lodging, travel, and dining purchase, as well as 1.5 points on everything else. 

While the annual fee is steep at $95, the points will really add up and pay for themselves. Just keep in mind that you will need to already be banking with Bank of America to sign up for this same-day credit card.

Finding the Best Same Day Credit Cards – Frequently Asked Questions

What’s the Difference Between an Instant Delivery Credit Card and an Overnight Delivery Credit Card?

An instant delivery credit card will provide access to the card’s numbers immediately upon approval. 

This is typically done via an app or secure website. Instant delivery is usually preferable, as it makes it possible to use your new credit card seconds after getting approved for online purchases. 

However, you won’t be able to use your card numbers at restaurants and any other place that requires a physical card until you actually receive the physical card in the mail.

An overnight delivery credit card may not offer same-day access to your card numbers. Rather, the card is immediately shipped out for overnight delivery upon application approval.

Are Same Day Credit Cards Safe?

Yes! Just make sure to keep your card numbers secure and not make purchases on shady or not-reputable websites with low-security measures.

Conclusion – The Best Same Day Credit Cards Winner

Our top pick for the best same-day credit card is the Upgrade Triple Cash Rewards Visa Card. This card is great for people who have a wide range of credit scores, and the cash-back features are simply irresistible. 

Our runner-up, however, would be the Blue Cash Preferred Card from American Express. While your credit score will need to be a bit higher than most to get approved, the same-day ease of use, top-notch rewards program,  and unbeatable introductory APR make this card an excellent choice.

Regardless of our top picks, each of the cards we’ve explored in our guide to the best same day credit cards are worth looking into.

Advertiser Disclosure: Corvelay Media is an independent review service. The offers that appear on this site are from companies from which Corvelay Media receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Corvelay Media does not include all companies or all offers available in the marketplace. Corvelay Media may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.