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Typically, it is possible to discover a credit card that meets your preferences, complete an online application, and receive approval for the card, all within the same day. However, this is not always the situation, and it is important to note that there may be a waiting period before you receive your approved credit card. This guide provides information on how long it takes to get a credit card and how long it takes to get a replacement credit card. Read on!


In today’s era of online applications and quick approvals, the question rarely arises. The average Visa® or Mastercard® can be approved within minutes and shipped within days, as long as you meet the credit criteria. However, credit cards that have strict approval criteria may require more time for the approval process and delivery. Certain cards are created with distinct features and specific eligibility requirements. As a result, the evaluation process may be longer in order to thoroughly assess whether the applicant meets the necessary qualifications. The process may include a manual review of the application. There are times when more information may need to be sought before an application can be fully accepted.

How Long Does It Take To Get a Credit Card?

When applying for a new credit card, it is critical to consider the time required for the approval procedure as well as the delivery of the card. Some applicants may be accepted right away, but in most cases, it will take 7–10 business days for a new card to arrive in the mail. It will take three to five workdays to get a new card if you need one. In an emergency, there is also the option to expedite the delivery for an extra price, which could result in an even faster arrival. If you require fast access to a credit card or a temporary card, I recommend contacting the issuer directly or researching credit cards that offer the aforementioned features below:

#1. Approval Procedure

Almost anyone may apply for a new one online with the majority of credit card firms. Online applications, arguably the quickest option to receive a new card, often ask for personal information such as name, date of birth, social security number, annual salary, and monthly expenses. An applicant who meets the criteria of the issuer can be approved in minutes and receive a card in the mail within one to two weeks, if not sooner.

Applying by phone or mail may result in a longer wait for a replacement card. A card issuer’s approval or denial might take up to several weeks, while many approvals take merely days if not hours. This waiting period can be extended by seven to ten business days if the new card is received via mail. If the applicant is not authorized immediately, whether online or by phone, the card issuer will manually review the application before making a final decision. This could result in a two-week or longer wait.

#2. Receiving a Greeting Card in the Mail

The exact time it takes to obtain a new card in the mail varies by issuer. On their respective websites, Discover and Bank of America both state that it can take up to 10 business days for a new card to arrive—a common waiting period among many issuers.

If a person needs a new credit card sooner than the typical waiting period, several issuers provide expedited processing. Some issuers may provide it for free (usually to existing account holders), while others may charge a nominal fee. Call customer service to find out whether you can get a replacement card faster and how much it will cost.

#3. Cards for Replacement

Replacement cards may arrive sooner than fresh cards. This is because applications for replacement cards undergo processing quickly (often the same day), but applications for new cards can take a few days to process. Those who currently have an account do not require the same level of approval as those who are applying for a new account.

A new Chase credit card, for example, typically takes 10 business days to arrive, whereas a replacement card should come within three to five business days. Some issuers provide emergency replacement cards in the event of a lost card and can deliver a new card, sometimes for a cost and sometimes not.

What Should You Do After You Get Your Credit Card?

It is recommended that you activate your card promptly upon receiving it. To activate your card, you have two options. First, you can call the 800 number that is printed on a sticker located on the front of your card. Alternatively, you can log in to the issuer’s website or app and follow the provided instructions for activation. This is an opportune moment to connect your bank account to your card, enabling you to conveniently make payments.


How Long Does It Take To Get a Credit Card Barclays

After approval, it typically takes 7 to 10 business days for a Barclay card to arrive in the mail. It is possible to receive your new Barclay card in just two business days if you apply online or over the phone and request quicker delivery. However, if you choose to do so, Barclays may perceive you as a high-risk customer who is in immediate need of credit. Because of this, there is a chance that your credit amount will be lower. Also, note that there is a fee of $15 to $29 for quick shipping.

How Long Does It Take To Get Chase Sapphire Preferred Card?

Once your application for a credit card from Chase has been approved, it typically takes 7–10 business days to receive the card. However, if you request expedited delivery, you can receive it within 1-2 business days without any additional charges. It is important to mention that you may receive an instant decision after approval. However, there are instances where it may take up to 30 days to receive a response.

In most cases, it takes 3-5 business days to receive a replacement credit card from Chase. However, you have the option to request free urgent shipping, which will allow you to receive your card within 1-2 business days.  

How Long Does It Take To Get a Replacement Credit Card?

There are numerous reasons why you might require a replacement credit card. There are two possible explanations for the missing card: either your dog ate it or your wallet was stolen. The card number may have been compromised due to fraudulent activity or a data breach. You may have even decided to change your name and now require a new card that reflects your new identity. To obtain a replacement credit card, you have the option to request one through various channels, such as online, over the phone, or by using your credit card issuer’s mobile app.

Before beginning the process of replacing a lost credit card, ensure that it is indeed missing. To help jog your memory, try retracing your steps to remember the last time you had the card. Additionally, you can check your online account to determine the most recent transaction made with it. While you are searching, it is advisable to minimize the risk of fraud by taking the precautionary measure of locking or freezing your card. Usually, the card issuer’s mobile app or website is where you can do this.

It’s usually possible to get a new credit card within seven business days. The time you have to wait won’t usually be important. For instance, American Express ships items for free the next business day, and if your bank agrees, you can change your Visa card within one to three days.

How to Get a Replacement Credit Card

Here are three steps to get a replacement credit card:

#1. Using Cellphone

If you still have a damaged or compromised credit card, call the number on the back of the card. You don’t have the card? For the exact phone number to call, check your online account or the most recent credit card statement.

#2. Online

The card issuer’s website normally includes a link to apply for a new credit card online.

#3. Mobile app

Many credit card mobile apps allow you to request a replacement credit card directly from the app.

You must specify the cause for the request if you lost, stole, or damaged the card. If someone steals or uses your credit card fraudulently, your credit card company will probably deactivate the card and give you a new one. The magnetic stripe on the back of your card may no longer operate, or the numbers may be difficult to read due to wear and tear. If that happens, your credit card account number will be transferred to a new card. While waiting for a replacement credit card with the same number to arrive in the mail, you can continue using your account to make transactions online or over the phone.

How Fast Can I Get a Credit Card?

It’s usually possible to get a new credit card within seven business days.

How Long Does It Take To Get Approved for a Credit Card?

Filling out an online card application only takes a few minutes, and you typically receive an immediate decision on your approval status. A credit application may go to a “pending” state, which means the lender needs more time to look over it. This could take anywhere from seven to ten working days. Credit providers must decide whether to accept or deny your credit application within 30 days of receiving it. 

To ensure immediate approval, ensure you understand the credit card application process and confirm your eligibility before submitting your application. Another thing that’s important to know is what kind of credit the card you want requires. You probably don’t want to apply for a card that needs great credit (FICO score of at least 720) if you have bad credit (FICO score of 629 or less). 

Can I Get Credit Card in One Day?

Typically, it is possible to find a credit card that meets your preferences, apply for it online, and receive approval for the card all within the same day. However, it is important to note that this is not always the case. Also, it is worth mentioning that there may be a waiting period before you receive your approved credit card.

Can You Use a Credit Card Before It Arrives?

It is possible to use a credit card number before receiving the physical card, but this option is only available with a handful of cards from credit card issuers who offer this service.

Can You Use a Credit Card Right After Approval?

You can start using your co-branded or store card immediately after opening it at checkout, whether you do so online or in-store. Typically, when you make a purchase, you will receive a temporary card number or code on your receipt. This temporary card number or barcode enables you to use the card at grocery stores.

How Many Credit Cards Should You Have?

It is usually recommended to have two to three credit card accounts, along with other types of credit. It is also important to keep in mind that both your total available credit and your debt-to-credit ratio can have an impact on your credit scores. However, keeping track of monthly payments can become challenging if you possess more than three cards.

Gathering Up

Obtaining a credit card can help you build credit and give you the chance to earn points on purchases. Some people get approved right away, but most will have to wait a week or two for their card to come. That is to say, if you want to make a big purchase with a new credit card, you should think about when the card will arrive. You should also give yourself enough time to get accepted and get the card, so you don’t have to find another way to pay.


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