Here's a 150-word summary of the credit card information, written in the tone of Bev O'Shea:

As a credit specialist, here are some of the best credit cards you can apply for and use the same day:

- Apple Card: You can get pre-approved and use the card instantly after approval. It pulls from TransUnion FICO 9.
- Amazon Prime Visa: A Chase card that typically pulls your credit experience file. You may need a FICO 8 score of around 660 to get approved.
- Capital One cards: These may result in multiple inquiries, but you can lock up one or two of your credit files. If you had a past Capital One card charge-off, you may be able to get the Capital One Spark Business card.
- Petal card: This card doesn't require a social security number and uses FICO N9 scoring, making it easier to get approved if you have alternative credit history.
- American Express Blue Cash and Blue Cash Everyday: These cards offer 0% interest on purchases and balance transfers for 15 months.

Remember, you don't always need perfect credit to get instant access to credit cards. Explore your options and choose wisely based on your specific needs.

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