How To Get An Instant Virtual Credit Card

Written by Banks Editorial Team
2 min. read
Written by Banks Editorial Team
2 min. read

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Imagine applying for a credit card, getting approved and being able to use it right away. These are considered as a few of the luxuries you’ll get with an instant virtual credit card. Keep reading to learn more about how they work and an attractive option that could work for you. 

Flexible Digital Credit Card

Learn how you can get a digital credit card in the Grain mobile app, regardless of your credit history or your credit score.

What is an Instant Virtual Credit Card?

An instant virtual credit card is a digital credit card you’ll get access to before your credit card arrives in the mail. It allows you to make online purchases and shop with retailers that accept contactless payments.

How Does an Instant Virtual Credit Card Work?

Virtual credit cards operate like traditional credit cards. Upon approval, you’ll receive a digital card with a unique card number, expiration date and CVV code that can be used right away. Input this information when checking out online, or select the contactless payment method if you’re making a purchase at a physical location. 

Once you receive your card in the mail, you can opt to disable your instant virtual credit card or continue using it to make purchases. 

What are the Advantages of Instant Virtual Credit Cards?

Instant virtual credit cards come with several benefits that make them worth considering. 

Easy to Use

The card information will be available directly on your financial institution’s mobile app. In addition, you can use it online or at any retailer where contactless payment is accepted. 

Fast or Temporary Solution

Financial emergencies call for expedited solutions, which you’ll get with an instant virtual credit card that will alleviate the pressure of having to access the funds you need. 

Access Your Funds Instantly

You won’t have to wait for the standard seven to ten business days for your card to arrive in the mail. Instead, you can access funds right away and start purchasing the goods or services you need most. 

Flexible Digital Credit Card

Learn how you can get a digital credit card in the Grain mobile app, regardless of your credit history or your credit score.

Manage Your Card From Anywhere

Review account activity, make payments or request support directly from the mobile app. You can also set spending limits on some virtual credit cards to avoid accruing a ton of interest charges or spending more than you can comfortably afford to repay. 

How to Get Your Instant Virtual Credit Card

Some credit card companies offer virtual credit cards so you can get the funds you need right away. But before you apply, take a look at what the Grain financial app has to offer. It’s available in all 50 states and features a fast, seamless application process with real-time decisions in just minutes. 

You may be eligible for a personal line of credit based on your cash flow, even if you don’t have perfect credit. There are no credit checks, and Grain syncs with your checking account to ensure you have access to cash any time of the day or night.

Plus, you can use Grain to help build credit from scratch or improve your credit rating if you’ve had some past financial missteps. Grain reports account activity to the three primary credit bureaus – Experian, TransUnion and Equifax – monthly. And if you make timely payments, your credit history, which accounts for 35 percent of your FICO score, will improve and can help increase your credit score. You can also monitor your credit score’s progress over time directly on the dashboard of the Grain app by selecting the Profile tab.

Ready to give Grain a try and unlock all the benefits it has to offer? 

Download the mobile app and sync your primary checking account to see if you have a preapproved offer. Personal lines of credit of up to $1,000 are available for new customers. However, you could qualify for an increase six months after opening your account by making consecutive on-time payments. It’s equally important to keep your linked account in good standing and avoid any overdraft or NSF fees due to overspending or returned payments.

(Note: Grain is not yet available on Google Play. Join the Android waiting list to be the first to know when it officially launches on this platform). 


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