American Express
Shop instantly with a new credit card number, start earning rewards immediately, and enjoy a seamless onboarding experience. See eligibility for rates and credit limits.
If you are looking for a quick way to start using your credit card even before the physical card arrives, American Express’s Instant Card Number program delivers. Once approved, eligible applicants can immediately access their card number for online purchases, digital wallets, or even select in-store transactions. The annual percentage rate (APR) and credit limit will depend on creditworthiness and the specific card chosen; typical American Express rates range between 18% and 29% (variable), and credit limits are determined during the approval process. This offer is subject to authentication and eligibility checks.
How to Apply
- Choose your preferred American Express credit card and fill out the online application.
- If approved and eligible, you’ll see your 15-digit Instant Card Number displayed immediately.
- Add your new card number to Apple Pay, Google Pay, Samsung Pay, or online checkout platforms like PayPal or Amazon.
- Begin shopping online or in-store where digital wallets are accepted, ahead of your card’s arrival by mail (typically 5-7 days).
Advantages of Instant Card Number
The biggest advantage of this offer is instant usability—you don’t have to wait for mail delivery to shop, book travel, or start earning rewards. Instant digital access is convenient for urgent purchases or when a physical card is delayed.
Furthermore, digital security is improved. Card numbers are easily added to encrypted mobile wallets for secure payments at participating merchants.
Mögliche Nachteile
Not every application will qualify for an Instant Card Number, as eligibility depends on successful identity authentication. Some customers might only be able to spend at selected merchants until their physical card arrives.
Additionally, you may not get your full credit line until you confirm receipt of the physical card, which could limit higher-value transactions right away.
Unser Urteil
The Instant Card Number by American Express brings fast, flexible access to your new credit line and enhances the overall cardholder experience. If you value immediate access and digital convenience, this feature stands out among card issuers for efficiency and flexibility. For most eligible users, it makes American Express cards even more attractive for daily use and travel.
