How to Easily Apply for a Credit Card Through Your Smartphone

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Are you one of the many folks applying for credit cards on your smartphone instead of your computer?

I had never applied for a credit card on my phone before, so I decided to see just how easy (or difficult!) it was.  And I was pleasantly surprised!  The entire process took just a couple of minutes.

Starwood American Express Application

I’ll Give You a Look at the Mobile Application Process for the Starwood Preferred Guest® Credit Card From American Express

I’ll show you how to apply for a credit card with your smartphone, so you can take advantage of the best deals no matter where you are!

Starwood American Express Mobile Application

Link:   Starwood Preferred Guest® Credit Card from American Express

Link:   Starwood Preferred Guest® Business Credit Card from American Express

Link:   Limited Time: Best-Ever 35,000 Point Sign-Up Bonus With AMEX Starwood Cards Returns!

Back when I was a kid, folks would look at you strangely if you tried to use a telephone for things like taking pictures and watching videos.

But times are changing, and nowadays many are filling-out credit card applications with their smartphones.  It seemed cumbersome to me to enter all that information on a tiny phone screen, but I was surprised at how easy it actually is!

If you use the same internet browser on your phone as you do with your computer, details like your name, address, and phone number might populate automatically during your application.

Every bank I tried has easy-to-use mobile application pages, though they’re all a bit different.  But they’re similar enough that if you’ve navigated one you can get through them all!

In this example, I’ll show you how to fill out a Starwood American Express application with your smartphone to get the increased 35,000 point sign-up bonus!

Step 1.   Find the Card You Want

Decide which card you want and navigate to the application page.  If you’re on our Hot Deals page, just click the big “Apply Now” button in the left column.  You don’t have to use our links, but we’re grateful when you do! 🙂

Starwood American Express Application

Step 1 – Navigate to the Application Page of the Card You Want

Step 2.   Click “Apply Now”

You’ll be taken to the AMEX application page.  You’ll see a quick rundown of the card you’re applying for.  Scroll down and click the big “Apply Now” button at the bottom of the page.

Starwood American Express Application

Begin Your Application by Clicking the Big “Apply Now” Button

Step 3.   Look Over the Card Details

You can view the rates & fees, benefit terms, and offer terms from this page.  Read to make sure you’re applying for the right one!  Lots of cards have similar names, but different benefits.

Starwood American Express Application

Are You Applying for the Right Card? Take a Quick Peek at the Benefits and Offer Terms to Make Sure

Step 4.   Fill Out Personal Information

Now it’s time to give your information to AMEX.  You’ll need to give details like your full name, Social Security Number, total annual income, etc.  Then tap “Continue” at the bottom of the page.

Starwood American Express Application

Give AMEX the Information They Need to Make an Educated Decision About Your Application. And Remember Not to Lie!

Step 5.   Press “Agree & Submit Application”

You’ll have one more chance to look over the fine print before you submit your application.  If everything looks good, just tap “Agree & Submit Application“.

Starwood American Express Application

You’re All Finished! Just Submit Your Application and Patiently Await the Result

And there you have it!  You can get approved for a credit card just about anywhere.  Just try to do it in a responsible place (don’t apply and drive!). 😉

Note:   You will likely NOT be instantly approved for a credit card if you apply internationally.  That’s because the bank will see that the application is coming from somewhere other than your home country.  You’ll need to call the bank and verify that you aren’t a victim of fraud.

Remember, AMEX will only give you the sign-up bonus for each card ONCE per lifetime. However, if you’ve had one card but NOT the other, you’ll be able to get the sign-up bonus on the other card.

Bottom Line

Signing-up for a credit card on your mobile phone is easier than you might think!  I was able to complete an application in ~2 minutes.  My mobile browser even automatically populated lots of my information, like my name, birth date, address, etc.

What is your preferred method of applying for credit cards?

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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3 responses to “How to Easily Apply for a Credit Card Through Your Smartphone

  1. your puppy is growing up so fast!!

  2. I’ve tried on two occasions with Chase from my phone. It works fine until I click “submit”. Chase won’t accept it. I tried again through my laptop & it worked fine.

  3. If I currently have the spg personal account, can I use the refer link for that account to open a business spg account to get the refer bonus?