Best Signup Bonuses that provide card number same day?

[CreditFun]

Wife has a 830+ FICO 8 across the board.

Looking for:

• Use card same day approved (I know Amex allows, any others?)
• Huge sign-up bonus
• No Annual Fee

Any suggestions?

[wasCB14]

Of my 7 Amex applications...

4 were instant online approvals, 1 was online but went pending for ~24 hours, and 2 were instant approvals when I applied by phone.

0 gave the number at approval. It's not guaranteed.

[dragontears]

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@CreditFun wrote:

Wife has a 830+ FICO 8 across the board.

Looking for:

• Use card same day approved (I know Amex allows, any others?)
• Huge sign-up bonus
• No Annual Fee

Any suggestions?

---

Huge sign up bonus and no annual fee rarely go into the same sentence.....

[wasCB14]

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@dragontears wrote:

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@CreditFun wrote:

Wife has a 830+ FICO 8 across the board.

Looking for:

• Use card same day approved (I know Amex allows, any others?)
• Huge sign-up bonus
• No Annual Fee

Any suggestions?

---

Huge sign up bonus and no annual fee rarely go into the same sentence.....

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Though some cards with a big SUB have a clearly established path for downgrading to a no-AF card after a year.

[TSlop]

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@dragontears wrote:

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@CreditFun wrote:

Wife has a 830+ FICO 8 across the board.

Looking for:

• Use card same day approved (I know Amex allows, any others?)
• Huge sign-up bonus
• No Annual Fee

Any suggestions?

---

Huge sign up bonus and no annual fee rarely go into the same sentence.....

---

Agreed. From what I've seen, the highest with no AF is going to be around $150-200. I swear I saw a mailer at my house for the Wells Fargo Propel at $300, but I'm not 100% sure anymore and might be going crazy. The $500 ones almost always have $95 AF or greater.

[CreditFun]

She hates annual fees.  What would be some options at $95 fee?

[Anonymous]

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@CreditFun wrote:

She hates annual fees.  What would be some options at $95 fee?

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Citi Premier or Chase Sapphire Preferred.

Spend 4K for ~600.

I don't think any major bank will give you instant card access.

[CreditFun]

She got approved for two cards:

Chase Freedom Unlimited 15k

Amex Cash Magnet 20k

834 EX FICO 8 

Just wanted to share the datapoints since this credit market we are in right now is wonky.

Thanks everyone!

[Andypanda]

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@TSlop wrote:

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@dragontears wrote:

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@CreditFun wrote:

Wife has a 830+ FICO 8 across the board.

Looking for:

• Use card same day approved (I know Amex allows, any others?)
• Huge sign-up bonus
• No Annual Fee

Any suggestions?

---

Huge sign up bonus and no annual fee rarely go into the same sentence.....

---

Agreed. From what I've seen, the highest with no AF is going to be around $150-200. I swear I saw a mailer at my house for the Wells Fargo Propel at $300, but I'm not 100% sure anymore and might be going crazy. The $500 ones almost always have $95 AF or greater.

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The propel $300 sub was standard last year. Sometime around the new year wf lowered it to $200. Idk if wf is sending out targeted higher sub.

[RSX]

I am also not a fan of AF.  But that is why I choose cards that if they have one the benefits outweigh it yearly.