How to get a credit card

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Rewards, Cash Back or Low Interest Select. Credit cards that fit your life.

Credit cards that make your life easier, and maybe even a little richer.

Sound cards include no annual fees, no balance transfer fees, and no foreign transaction fees.

Turn your cards on and off with a tap using the Card Controls feature in our mobile app.

EMV chip card, real-time text and email alerts, and card lock/unlock features in our mobile app.

Cut your interest rate, then cut up your other credit cards.

Get approved for your card in minutes online, over the phone, or in a branch.

Take your Sound card with you even if you leave your wallet at home using Mobile Pay for Apple and Android devices.

    • – Earn Sound Rewards on every purchase- Get an extra 10,000 points with your new card

    • Auto rental collision damage waiver2

    • Based on borrowers qualifications

    • 10.95%-20.95%variable APR

    • Get 1.5% cash back on purchases1

    • – Auto rental collision damage waiver2- Personal identity theft coverage2- Travel accident insurance2- Exclusive Visa Signature® benefits- 24-hour concierge service3

    • 10.95%-20.95%variable APR

    • Auto rental collision damage waiver2

    • Based on borrowers qualifications

    • 8.95%-19.95% variable APR

    • Improve your credit score

    • Auto rental collision damage waiver2

    • $500-$5,000Amount may vary based on funds available in collateral account.

    • 8.95%-19.95% variable APR

    Choose the credit card that fits your needs and apply online.

    Securely sign your documents online.

    Your Sound credit card will arrive to your mailbox in 7 to 10 business days.

    Get More out of Your Cards

    Leave your wallet at home. Mobile Pay lets you use your smartphone to tap and pay with your Sound cards anywhere contactless payments are accepted.

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    Download the app today Apple Pay | Android Pay | Samsung Pay

    Do Store Branded Credit Cards Offer Instant Card Numbers on Approval?

    Many popular retail stores offer their own credit card. Some are co-branded with Visa, Mastercard, and American Express, while others are limited to use only at that specific store.

    Comenity Bank is a popular card issuer for store-branded credit cards, and some of their credit cards won’t even conduct a hard pull on your credit report! We have the entire list of store-branded credit cards by Comenity Bank, including which ones are the easiest to be instantly approved for.

    Some of these cards will also offer immediate discounts when you’re approved for their store card and use it for your purchase the same day. One example is the Target RedCard, which saves you 5% on all Target purchases and also provides a temporary card number on approval.

    Other stores don’t even require you to have the physical or temporary card information with you. Best Buy and Macy’s can look up your credit card information by providing them with some personal information like a drivers license and/or social security number.

    Surprisingly enough, Cabela’s will actually issue your permanent physical card on approval when you apply in-store.

    Overall, store cards can be extremely useful when needing to make large purchases at these specific retailers. It’s always important to understand if these cards can be used elsewhere, or if they are limited to the specific store.

    Which Cards Won’t Issue Card Numbers Instantly?

    Most credit card companies that aren’t on this list will not issue your credit card information instantly. This means you must wait until the card arrives in the mail to be able to use it.

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    Most notably, these big-name banks do not offer instant card numbers on approval:

    • Alliant
    • Barclays
    • Chase
    • Discover
    • US Bank.

    While it may be possible to get expedited shipping for these cards, there is still a waiting period that could last up to 2 weeks.

    Final Thoughts

    We’ve detailed the most popular banks that issue instant credit card numbers on approval to help you in times of financial emergencies. We’ve also noted which credit cards and banks to avoid if you are looking for immediate use of your new credit card.

    You don’t always need to wait for your new credit card to arrive in the mail to be able to use it — but if you get your number immediately, make sure to take note of any spending limitations or restrictions on where it can be used.

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