Maria Adams, Credit Cards Moderator
@m_adams
No, Chase does not usually give instant issue cards. The only exceptions are some co-branded credit cards; you can instantly use them for a purchase made with the retailer. However, you can still use your new credit card online or in store right after approval with the “Spend Instantly” feature. This option allows you to add your virtual card to a digital wallet right away. Some co-branded credit cards are not eligible.
In all other cases, you may receive an instant decision when you apply online for any Chase card. But you will not know your physical card number until you receive your card by mail. If you are approved, it takes around 7-10 business days for the card to arrive.
Here’s how to add your Chase virtual card to a digital wallet:
- Using the Chase Mobile app, choose the card you want to add, scroll down to “Account Services” and then select “Digital Wallets.”
- Choose from your list of available digital wallets, including Apple Pay, Google Pay and Samsung Pay.
- Select your new card.
- Once the card has been added to your wallet, you can use it right away.
As for debit cards, Chase no longer offers instant issue cards and it typically takes 3- 5 business days for them to arrive. However, there are a few major banks and credit unions that do. Navy Federal, PNC, and others will print your debit card in the branch the day you sign up for an account. Not only will you have your debit card in minutes instead of days, you’ll have immediate access to your funds without having to use any starter checks.

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