How Long Does It Take to Get a Credit Card?

Getting approved for a credit card can be super quick or take a little while, depending on the circumstances. Credit card issuers must give you a decision within 30 days by law, but it’s often much faster than that, especially if you apply online.¹

• Online applications: Applying for a credit card online is often the fastest way to get your new credit card. You can often get an approval decision within minutes since the process is automated.
• Phone applications: This is typically the second fastest way to get a credit card. A representative may be able to give you an approval decision over the phone after you provide your information.
• Mail-in applications: Applying by mail will naturally take longer. Not only may it take a few days for your application to arrive, but it could take several more days for the credit card company to process it.

You may also run into a delay if your application gets marked as “pending review.” Sometimes your application needs a person to look at it as part of a manual review. This might happen if you’re right on the edge of qualifying or if some information needs to be verified. A manual review can add a week or so to the process.

The key to a speedy approval is making sure all your information is accurate. It’s always a good idea to double-check your application before you submit it.

Once you get approved, the clock starts on getting the physical card.

Typically, you can expect your new credit card to show up in your mailbox within 7 to 10 business days.² Some issuers might take up to two weeks to get the card in your hands.

It could take longer if you request a special design or if there are delays with the mail, such as during a busy holiday season. However, you may be able to speed up the process if you pay for expedited delivery.

Make sure the issuer has your current mailing address so it can send the card your way as soon as possible.

Waiting for your card to arrive can feel like a drag, especially if you’re ready to start using it. The good news is, you might be able to speed up the process. Here are a few ways to get access to your credit line faster.

1. Look for instant-use cards

Some credit card companies will give you your card number, expiration date, and security code right after you’re approved. You can add this info to a digital wallet like Apple Pay or Google Pay and start shopping online or in apps immediately.

2. Use a virtual credit card

A virtual credit card is a digital-only card that lives in your digital wallet. If your issuer offers one, you can use it for online purchases right away without needing the physical card.

With Chime, for example, you get a temporary card number in the app for your debit card and your credit card, if you apply for a credit card, when you sign up.

3. Ask for expedited shipping

Some issuers will offer to send your card via express mail or overnight, usually for a fee. If you need the physical card in your hands ASAP, it’s worth asking if this is an option.

4. Choose cards with instant approval

While instant credit card approval doesn’t mean you’ll get the physical card instantly, it does mean you’ll know right away if you’re approved. This cuts out the waiting game and lets you move on to the next step faster.

Note that instant approval does not mean guaranteed approval. Your application can still be denied if you don’t satisfy the eligibility requirements.

Congratulations, your new piece of plastic has arrived. Before you start swiping, there’s one important step you must take first: activating your card.

Activating your card is a security step to make sure the card got to the right person. You can usually activate the credit card in a minute or two by calling a toll-free number on the card’s sticker or by logging into the issuer’s website or app.

Your card should come with information that will have all the instructions you need.

Having your credit card application denied happens sometimes, but it’s not the end of the world. If your application is denied, the credit card issuer is required to send you a letter explaining the reasons why. For example, you may not have met the minimum credit score requirements.

Think of this letter as helpful feedback. You can use this information to work on strengthening your financial profile, whether that means focusing on paying bills on time to improve your credit score or paying down some debt.

By boosting your credit score or shaving down your debt-to-income ratio, you’ll have a better shot of getting approved the next time.

Getting a new credit card involves a few waiting periods, from application approval to delivery in the mail. By understanding the timeline and knowing your options for getting faster access, you can feel more in control of the process.

Understanding how to apply for a credit card can also help you take the next step in your financial journey.