How long does it take to get a credit card?
How long do credit cards take to arrive? The average Visa® or Mastercard® may be approved in minutes and shipped within days, provided you meet the approval criteria. However, credit cards with strict approval criteria may take longer to be approved and delivered.
Some cards are designed with very specific characteristics and approval criteria, so the review process could take longer to determine whether the applicant qualifies. The process could involve a manual review of the application. In some cases, additional information could be requested before a decision is made.
How long does it take to get approved for a credit card?
Credit card issuers are required by law to respond within 30 days, but in some cases, online applications may be processed in a few minutes. If you're applying over the phone or in person, and you've submitted all the correct information, you may also get a decision within minutes. Mail-in applications generally take a bit longer.
Quick credit card approvals typically take place when your application is complete and your credit score and credit report are sufficient to qualify. You can always research a card first and check if you fit the criteria for approval.
When completing your application, fill out all fields completely and accurately. Missing information could slow down the process and may require a manual review. Accurate information tends to speed up the process.
How long does it take to receive a new credit card?
Most credit card issuers will send a new card in 7 to 10 business days. Chase ships new cards in 3-5 business days (or 1-2 business days for rush shipping, if available). The time it'll take to receive your new card may depend on the card you applied for, as well as factors like potential delays with the mail. If you request a special design, which some companies offer, your card could take longer. You may also have an option for expedited delivery.
How long does it take to receive a replacement credit card?
A replacement card—which you'd get if your original has been lost or stolen—typically arrives within seven business days. For Chase credit cards, you can expect your card to be shipped in 3-5 business days. Some credit card issuers offer expedited shipping for replacement cards.
What to do after you get your credit card
Download your card issuer's mobile app if they have one. There you'll likely find ways to manage your credit card, such as by setting up automatic payments and viewing rewards.
What do I do if I haven't received a card yet?
If you've applied for a new credit card, been approved and have not received it after 14 business days, there are steps you can take. The first step is to contact the credit card issuer for information—by phone or online may be quick and convenient options. Alternatively, you can typically speak with a specialist at a local branch.
How to get a credit card faster
You might have options to get a credit card faster than the typical time frame. This is true whether your account is newly approved or you're awaiting a replacement card.
Rush shipping
Physical cards have to be delivered in the mail or from a parcel service. However, most card issuers offer expedited shipping at some point when you apply or soon after you're approved. Look carefully or contact your card issuer to ask about their expedited shipping options.
Normal shipping can take around two weeks, while rush shipping might only take 1 to 2 business days (like with Chase cards, if available). Costs vary by credit card issuer, but sometimes it's available at no extra charge.
Use a digital version of your card
Card issuers may provide a credit card's details to the primary cardmember as soon as their account is approved. With enough information, you may be able to add your card to a digital wallet and make certain purchases online, even without the physical card. This card information isn't always available when an account is first opened, but you can ask your issuer if this is something you’re interested in.
Can a credit card be used right away?
Yes, your credit card is ready to use.
What happens if the application is denied?
If a credit card application is denied, you'll usually be notified the same way you applied. For example, if you applied online, you will likely be notified by email.
Regardless of how you receive it, a denial notice may include instructions you can follow to request that the credit card issuer reconsider your application. That process usually requires submitting new or updated information but see your specific notice or contact the card issuer for details.
Another option you may have after receiving a denial decision is to apply for a different credit card. There may be credit cards with lower credit limits or approval criteria that could increase your chances of getting a credit card.
In conclusion
Credit card applications for well-qualified applicants are usually processed relatively fast. Physical cards, however, can take about two weeks to arrive in the mail. You might be able to get your card faster by selecting a rush delivery option. In any event, you can start using your credit card and earning rewards as soon as it's delivered.
