How long does it take to get a credit card?

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The internet is a treasure trove for finding new credit cards and comparing them based on their rewards and cardholder perks. By and large, you can usually find a credit card you really want, apply for the card online and receive approval for your new card all on the same day.

But this isn’t always the case, and you’ll also have to wait a while to actually receive your credit card after you’re approved. This guide goes over the average length of time it takes to be approved for a credit card, when yours could arrive in the mail and everything else you should expect.

How long does it take to get approved for a credit card?

Getting approved for a credit card can take as little as 60 seconds once you fill out an online application and hit “submit.” However, it may take a few days, or even a few weeks, to receive an email from a card issuer that says whether you’re approved or not. Per federal guidelines, credit issuers are required to send you a notice of your approval or denial within 30 days at the absolute latest.

Speedy credit approvals usually take place when your credit application is completely filled out and your credit score and income are sufficient to qualify without any question. On the other hand, card issuers may have to reach out to you for more information or proof of your income or another claim. You may receive a letter or an email requesting this additional information, in which case you may still be able to qualify if you can provide the necessary documentation.

How credit approval works

When you apply for a credit card, the card issuer will consider the information you submitted in your application. It’ll take a look at your updated credit report, credit history and credit score, income information and other debt obligations you listed in your application (such as your housing payment or rent). It’ll also consider how you’ve handled credit in the past using factors like your payment history.

Credit card issuers see their approval process as proprietary information, so there are no hard and fast rules that let you know whether you’ll be approved or not. Your best bet is to make sure your credit score is in good shape and honest on your application.

Preapproval: the credit-saving secret weapon

Some credit cards let you provide some basic information and become prequalified online. This extra step allows you to gauge your ability to be approved for a credit card without filling out a full application or enduring a hard inquiry on your credit report. Getting prequalified can be useful if you’re trying to decide if you should apply, but you’re not entirely sure you want to.

You may also receive preapproved credit card offers in the mail, which means that a card issuer has run a preliminary assessment of your credit (a soft inquiry) to see if you are a likely candidate. Preapproval does not mean you’re guaranteed approval for the credit card in question, although it’s a good indicator. You still have to formally apply and meet the card issuer’s criteria.

How long does it take to receive your card?

So that’s how long it takes to get approved for a credit card, but when will you actually receive yours? Once again, this depends on the credit card you applied for and some factors beyond your control, like potential delays with the mail.

The following chart goes over the average time it takes to receive a credit card from major issuers.

Issuer New Card Replacement Card Card Services
American Express 7–10 business days Free next-day shipping 1-800-297-8500
Bank of America Within 10 business days 4-6 business days 1-800-732-9194
Capital One 7–10 business days 4–6 business days 1-800-227-4825
Chase 7-10 business days 3–5 business days 1-800-432-3117
Citi 7–10 days 4–7 business days 1-800-950-5114
Discover 7-10 business days 3–7 business days 1-800-347-2683
Wells Fargo 7–10 business days 5-7 calendar days 1-800-642-4720

Also, keep in mind that some card issuers, like American Express, may offer you a virtual credit card number that can be entered into a mobile wallet. If you are eligible, you could use your virtual card number for purchases instantly after approval.

How to get a credit card faster

If you’re looking to get a credit card and you want to get it fast, there are a few things you can do to speed up the process so you can start utilizing your credit as soon as possible.

Look for instant approval

To save time during the approval process, you may want to consider an “instant approval” credit card that can shave a few days off the process of getting a credit card. With instant approval credit cards, the issuer alerts the applicant if they are approved or not within seconds of submitting their application.

Those who are having trouble getting their hands on new credit may not want to wait days to find out they’re approved just to start the process over with a different issuer. An instant approval credit card may save a decent amount of time.

Expedited shipping

While the timeline varies by the credit card issuer (as shown above), if you really want to gain access to your physical card faster, you may be able to pay an extra fee in exchange for expedited shipping. It can take 7 to 10 business days for a new credit card to be processed, packaged and shipped. If expedited shipping is an option, you may be able to get your card in the mail sooner.

Go digital

With access to the internet, you can make plenty of purchases from home without an actual physical credit card available. After approving an applicant for a new credit card, some issuers provide their customers with a credit card number immediately that can be used for online purchases. These credit card numbers can also be added to digital wallets.

Apply for an instant use card

Instant use credit cards are different from instant approval credit cards but also provide fast access to credit. While the approval time may not be instant, with an instant use credit card, you’ll be given your credit card number right away (online or on the credit card issuer’s mobile app) and can start using it to make purchases digitally.

The following popular issuers offer instant use credit cards:

  • American Express
  • Apple
  • Bank of America
  • Capital One
  • Goldman Sachs
  • Synchrony Bank
Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson began her career working in the funeral industry, which may make you wonder why she works in personal finance now. Yet, the funeral industry taught the author everything she needs to know about the value of one's money and time. Johnson left the mortuary business a decade ago in order to explore her passion for personal finance and travel the world, and since then, she and her husband have built a debt-free lifestyle that has them on the path to retire very wealthy in their 40s. Holly's love of budgeting also led to the creation of her debt payoff book, “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
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