Can I use Capital One card before it arrives?

Still have questions about instant approval credit cards? Here are answers to a few you may have:

What’s the Process for Instant Approval?

Each card issuer may have its own approval process. But once you apply for instant approval, the card issuer typically performs a preliminary credit check. From there, you might receive conditional approval as the issuer reviews your credit information more. 

Are Instant Approval, Pre-Approval and Pre-Qualification the Same?

Instant approval, pre-qualification and pre-approval are not the same. Think of being pre-approved as an informal check that gives you an idea of whether you’ll be approved. Credit card issuers use soft credit pulls that won’t impact your credit scores until you formally apply. It’s also important to note that pre-approval and pre-qualification don’t necessarily guarantee approval.

Do Instant Approval Credit Cards Have Perks or Rewards Programs for Cardholders?

Instant approval has to do with the application process. Ultimately, perks, rewards and benefits are different from card to card. So be sure to do your research before applying. And remember that applying for multiple credit cards in a short period can negatively affect your credit scores. 

Is There a Minimum Credit Score to Get a Credit Card With Instant Approval?

Credit card issuers don’t generally share minimum credit scores needed for instant approval. But excellent or good credit scores could help your chances of being approved. 

Is It Possible to Get Instant Approval With Bad Credit?

If you have bad credit or no credit, you might consider applying for a secured credit card. Once you use it responsibly, over time you may be able to build or improve your credit history. And then you might be able to get approved for an instant approval credit card. Or you may be able to upgrade to an unsecured card.

Shopping with or without your card

Virtual card numbers from Eno

Protect your credit card account online

Eno, your Capital One Assistant, creates virtual card numbers that let you shop without sharing your actual card number.

24/7 access to your card information

Access your card whenever you need it

The Capital One Mobile app lets you access your card info 24/7–so you can purchase what you need, when you need it.

Tap and pay fast with contactless payments

Pay with just a quick tap of your card. It’s nearly 10x faster than other in-store payment methods–and more secure.

Shopping with digital wallets

Check out fast and easy with PayPal

PayPal lets you pay with your card using only your PayPal username and password–no entering your card or shipping info.

Pay touch-free with your Apple device

Add your card to your Apple Wallet to make secure purchases online, in-apps and in stores wherever Apple Pay is accepted.

Shop securely using your Android device

Add your card to Google Pay for a fast, simple way to checkout at millions of sites, apps and stores.

Shopping with rewards and deals

Shop with rewards at Amazon.com

Redeem rewards at Amazon.com

Use your rewards at checkout to cover part or all of a purchase when you shop millions of eligible items at Amazon.com.

Redeem rewards with PayPal

Use your rewards to make purchases at over 20 million online stores when you check out with PayPal.

Find great deals automatically

Capital One Shopping automatically checks for better deals and available coupons when you shop online.

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