How To Open Credit Card Account Online

Our Pick For: Intro Apr

Why we like it

The Blue Cash Preferred® Card from American Express comes with a solid 0% APR offer: 0% intro APR for 12 months on purchases and balance transfers, and then the ongoing APR of 16.24%-27.24% Variable APR. And it starts with a good welcome offer: Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply. The annual fee is $95. Plus, it offers an industry-leading 6% cash back at U.S. supermarkets on up to $6,000 in spending per year, 6% cash back on streaming subscriptions, such as Netflix, HBO Now and Audible 3% on transit and gas at U.S. gas stations and 1% on all other purchases. Terms apply .

» MORE: How an AmEx card’s instant credit access helped me fix my roof

How to use it instantly

Eligible cardholders will be able to get an instant card number immediately after being approved online. The number can be used anywhere American Express is accepted where a physical card isn’t required. Eligibility for an instant card number is based on AmEx’s ability to instantly verify your identity. Instant card numbers are available only on online AmEx applications, not through applications processed by phone.

How to use it instantly

Upon approval, you can add the Chase Sapphire Preferred® Card to your digital wallet to use when shopping in person or online, where digital wallets are accepted. Chase-issued cards are compatible with a number of well-known digital wallets, including .

Diners Club Rewardz Credit Cardpremium

• Earn 3 Reward Points for every Rs. 150/- retail spends
• Upto 5% cashback via SmartBuy
• Book a concierge for your travel needs. Simply call : 1800 209 4006

• Complimentary Airport Lounge Access through Priority Pass Membership
• Professional Indemnity Insurance Cover of up to 20 Lakhs
• Earn Bonus 15,000 Reward Points on spends of 8 lakhs in a year

• 3 Reward Points for every 150 spent and 50% more points on dining spends
• Reward Points can be exchanged for Miles

Apple Card Monthly Installments

You can buy a new Mac, iPhone, iPad, Apple Watch, and more with interest-free monthly payments on purchases at Apple. Just choose Apple Card Monthly Installments and then check out. Your installment automatically appears on your Apple Card statement alongside your everyday Apple Card purchases in the Wallet app. If you have an eligible device to trade in, youll pay even less per month.16 And youll get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card already, theres no additional application. If you dont, you can apply in as little as a minute during checkout, from the privacy of your iPhone.

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No Physical Interaction Required

Using a virtual credit card in the digital era is not just a smart decision, but a way of life. All your personal and professional transactions, from travel booking, to shopping, to bill payments or subscriptions, now have an online option. Here are a few great reasons to opt for instant apply and approval of virtual cards:

Everyone Can Achieve Financial Freedom

Join other financial freedom seekers and know how quickly itll take to accomplish your goals.

*FAIRWINDS Member Referral Program Terms & Conditions

In order for both the referred individual and the referring FAIRWINDS member to each qualify for and receive the $100.00 referral reward, the following conditions must be met: The referred individual may not have previously been an owner on or a party to a FAIRWINDS account the referred individual must open a new FAIRWINDS consumer Spending or Checking Account during the eligible program period the referred individual must open the new account using the referring FAIRWINDS member’s unique referral link and the referred individual must receive in the new Spending or Checking Account a qualifying direct deposit of $200.00 or more within 45 calendar days of opening. Your qualifying direct deposit needs to be an Automated Clearing House deposit of your paycheck, pension, or government benefits from the government or your employer. Person-to-person transfers and bank transfers between your FAIRWINDS or any other accounts you have at other financial institutions or brokerages do not qualify. The referring FAIRWINDS member must be in good standing with the credit union and must be an owner of a FAIRWINDS consumer Spending or Checking account in order to be eligible for a referral reward. FAIRWINDS Credit Union employees are not eligible to receive any referral program rewards.

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How To Cancel A Credit Card Account

Once you are ready to move forward, contact your credit card company by phone to cancel the card. When you call, you will likely talk to a representative who will try to convince you to keep your account. You may be offered a bonus or incentive to maintain the account. You need to determine whether those bonuses outweigh your reason for cancelling.

When you have completed the cancellation process, wait a few days and call the credit card company once again. Verify that your account was cancelled, and request a cancellation verification be sent to you via email or letter.

Gather The Information Youll Need To Apply

Before you begin to apply for a credit card, youll want to make sure you have the information necessary to complete the online application. Youll be asked for some basic information including your name, contact details, and current address, as well as specific financial data such as your income. Further, youll need to supply security information including your Social Security number, date of birth, and mothers maiden name.

If you have a thin credit file, meaning you have little to no credit history, then you may be asked for more information or proof of the information you provided, such as a copy of a government-issued ID or a previous address.

Most credit card applications will require the same personal and financial details, such as income and address.

Its important to note that the terms pre-qualified and pre-approved are generally interchangeable and result in a soft credit inquiry, which does not affect your credit score. However, a pre-approval does not guarantee an actual approval for the card of your choice. With that said, if youve been prescreened for a card, you are more likely to be approved. In that instance, the issuer looks at available information to make a good estimate of your creditworthiness.

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Tata Neu Infinity Hdfc Bank Credit Card

• 5% back as NeuCoins on Tata Neu and partner Tata Brand Spends
• Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
• 1.5% back as NeuCoins on other spends
• 1 NeuCoin = 1, redeemable on Tata Neu App
• 8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access

Occupation

Salaried^Regalia Credit Card^Millennia Credit Card^MoneyBack Credit Card^InterMiles HDFC Bank Signature Credit card^InterMiles HDFC Bank Platinum Credit card^IndianOil HDFC Bank Credit Card^6E Rewards – IndiGo HDFC Bank Credit Card^6E Rewards XL- IndiGo HDFC Bank Credit Card^]Self Employed^Regalia Credit Card^Millennia Credit Card^MoneyBack Credit Card^InterMiles HDFC Bank Signature Credit card^InterMiles HDFC Bank Platinum Credit card^IndianOil HDFC Bank Credit Card^Business Regalia^Business MoneyBack^CSC Small Business MoneyBack^6E Rewards – IndiGo HDFC Bank Credit Card^6E Rewards XL- IndiGo HDFC Bank Credit Card^]

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1200000,InterMiles HDFC Bank Signature Credit card,]840000,Regalia Credit Card,]600000,Millennia Credit Card,MoneyBack Credit Card,InterMiles HDFC Bank Platinum Credit card,IndianOil HDFC Bank Credit Card,6E Rewards – IndiGo HDFC Bank Credit Card,6E Rewards XL- IndiGo HDFC Bank Credit Card,]

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Let us suggest the best cards

Our Pick For: Sofi Customers

Why we like it

On the surface, the SoFi Credit Card looks like a straightforward cash-back credit card, but it has some unique options. If you’re a SoFi customer, you can redeem your rewards toward investing, cryptocurrency, saving or paying down an eligible loan with SoFi in which case, you’ll earn an effective 2-3% back. Another distinctive feature: Once you make 12 on-time payments, the APR decreases by 1%.

How to use it instantly

Newly approved cardholders can add the card to an eligible digital wallet and begin using it right away without having to wait for the physical card to arrive in the mail.

» MORE: Full review of the SoFi Credit Card

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Truist Enjoy Travel Credit Card

Travel rewards

Your next destination could come even sooner. Earn 2x miles per $1 spent on airfare, car rentals, and hotels. Earn 1x miles per $1 spent on all other eligible purchases.5 Plus, a statement credit up to $85 for TSA PreCheck® or Global Entry® fee is awarded once every four years.5

after you spend $1,500 within 90 days of account opening

Hotelscom Rewards Visacredit Card

LIMITED TIME OFFER! Get closer to unlocking your next escape

Welcome offer:

Get 3 reward nights worth $375 total * with qualifying purchases

*Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.

Collect stamps when you spend & stay:

• Collect 1 stamp each time you spend $500 in card purchases
• Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com

Collect 10 stamps, get 1 reward night

1X points on rent payments without the transaction fee

2X points on travel

3X points on dining

& 1X points on other purchases

Earn points when you make 5 transactions that post each statement period.

Eligibility for introductory rate, fees, and bonus rewards offers

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.

LRC-0822

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Check Your Credit Score

Your FICO credit score provides the credit card companies with a sense of your creditworthiness because it includes several factors related to credit use:

• Payment History makes up 35% of your FICO score
• Amounts Owed accounts for 30%
• Length of Credit History accounts for 15%
• both contribute 10% each to your score

FICO scores range from 300 to 850, and your approval for certain cards depends on where your score falls. Youll want to look into and apply for cards you feel confident youll be approved for, and there are many great credit card options for , , , and .

You can check your score through FICO directly or through one of the credit bureaus, like TransUnion.

The Simplicity Of Applein A Credit Card

With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees1 and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score.2 Advanced technologies like Face ID, Touch ID, and Apple Pay give you a new level of privacy and security. And with every purchase you get Daily Cash back. Apple Card. Its everything a credit card should be.

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Submit Your Credit Card Application

There are several methods that you can use to apply for a credit card.

Online

Applying for a credit card online is often the easiest and quickest option. You could get an instant answer to your application. And if youâre approved, some lenders may give you a virtual card number you can start using straight away.

In Person

You can also apply for a credit card in person. This can be a helpful way to have your questions answered and to receive assistance with the application process. With this method, however, youâre limited to applying during business hours.

Over the Phone

Applying over the phone is another credit option. During business hours, you can usually speak to a representative who can assist you with the process.

Sending an application through the mail is typically the slowest way to apply for a card. It might take a few weeks because youâll need to wait for the card issuer to receive your application and for its response back in the mail.

If You Plan To Apply For A Credit Card Here’s The Information You’ll Need At Hand And Some Advice On Choosing The Best Card For Your Needs

A credit card account is as easy to open as a checking or savings account — if not easier. Applicants can apply online through a bank’s website, and often find out instantly whether or not they’re approved. But before applying for a credit card, here’s a guide on what you’ll need, and how to decide which one to apply for.

Read Also: How To Create Paypal Without Credit Card

Pay 0% Interest Until 2024

Thomas Donaldson is CompareCredit.com’s credit card expert. His work has been featured by USA Today, NBC News, Business Insider and many more.

Editorial Note: Our editorial teams content is not provided, commissioned or otherwise endorsed by any financial institution or partner. The opinions, reviews or recommendations expressed in any article mention are solely those of our editorial team.

As Seen In

How To Open An Online Bank Account

It’s simple, straightforward and something you can do from anywhere.

Dori Zinn

Contributing Writer

Dori Zinn loves helping people learn and understand money. She’s been covering personal finance for a decade and her writing has appeared in Wirecutter, Credit Karma, Huffington Post and more.

Opening up a bank account is pretty simple. You don’t need a lot of money. It doesn’t take much time. And you don’t actually have to go to a bank. In fact, you can open up an online bank account while sitting on your couch. Right now. If you’re interested in opening an online bank account, here’s what you need to know.

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Wells Fargo Active Cash Card

Earn unlimited 2% cash rewards on purchases

Welcome offer:

Earn a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 17.24%, 22.24% or 27.24%variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.

Earn unlimited 2% cash rewards on purchases with no categories to track or rules to remember

Earn 3X points for many ways to keep life in motion

Welcome offer:

Earn 30,000 bonus points when you spend $1,500 in purchases in the first

0% intro APR for 12 months from account opening on purchases.17.24%, 22.24% or 27.24%

on restaurants, travel, gas stations, transit, popular streaming services, and phone plans

Plus, earn 1X points on other purchases

Enjoy our lowest intro APR for 21 months

Welcome offer:

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of 3 months with on-time minimum payments during the introductory period. 15.24% to 27.24% variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.

Be Prepared For Your Credit To Be Impacted When You Apply

Most of the time, applying for a credit card will trigger a hard inquiry into your credit report, which means that the card issuer will pull your credit report to check your creditworthiness. A hard inquiry will cause your credit score to go down a bit, but the effect is only short-term. The maximum amount of time a hard inquiry will stay on your report is two years.

If you apply for a credit card and your application is rejected, its important to be mindful of when you apply for your next credit card. One hard inquiry on your report is a pretty neutral occurrence in the long run. However, applying for multiple credit cards over a short period of time with their accompanying hard inquiries would be a red flag for card issuers.

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Do You Need To Activate Chase Sapphire Preferred Card

It depends on whether to activate the Chase Sapphire Preferred card or not. It is most beneficial for those who have to travel a lot, either for their work or just to travel and eat and try new dinnings. You earn more bonus points whenever you use your Chase Sapphire Preferred card 5 times more on travel purchases, 3 times more on dining, and much more benefits as compared to other Chase cards. You can also earn up to 60,000 bonus points if you spend $4,000 on purchases in the first three months from the account opening.

Recommended:

Solitaire Credit Cardpremium Credit Card For Women

• 3 Reward Points for every 150 spent
• 50% more Reward Points on dining and grocery spends
• 1000 Shoppers Stop voucher on spends above 75000 within 6 months

• Save more while flying domestic with Air India, etc.
• Redeem points for Miles with 20+ international airlines
• 3 Reward Points on every 150 spent 50% more on dining spends

• Special gift of 500 Reward Points on Teacher’s Day every year
• Convenient utility bill payment with SmartPay
• 2 Reward Points for every 150 spent 3X Reward Points on weekends

• Great cashback offers on everyday spends
• 2 Reward Points for every 150 spent 50% more Reward Points at premium restaurants
• Redemption of Reward Points as CashBack to pay off Credit Card dues

• Free lounge access at over 600+ airports globally with a complimentary Priority Pass membership
• 2 Reward Points for every 150 spent
• Savings of up to 250 in every billing cycle with a 100% fuel surcharge waiver

• Free lounge access at 600+ airports globally with a complimentary Priority Pass membership
• 2 Reward Points for every 150 spent
• 50% more Reward Points for every 150 spent above 75,000 per statement cycle

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