The Chase Sapphire Reserve® approval timetable is pretty standard: You’ll receive a decision in 7-10 business days, if you’re not approved (or denied) instantly. Instant approval is never guaranteed, but it’s possible with all Chase credit cards, including Sapphire Reserve. You just need to apply online to have a chance. After you’re approved, it normally takes 7-10 business days to get your Chase Sapphire Reserve card in the mail. But you can get 72-hour expedited shipping for free by calling Chase customer service at 1 (800) 432-3117. Once you receive your card, you can activate it and start using it right away.
You can check the status of your application at any time by logging into the Chase online account you created while applying. Clicking on “Customer Center” will bring you to a screen called “Account Services.” And you’ll find “Check My Application Status” under the heading “Open a New Account.” You can also check your Sapphire Reserve approval status over the phone. Just call 800-436-7927; press 1, then 3, then 1 when prompted; and input your Social Security number.
The process is pretty straightforward. But the various timeframes can get confusing. So for your convenience, we’ll recap the most important details below.
Here’s the Chase Sapphire Reserve approval timetable:
7-10 Business Days. This is the standard timetable, used for applicants who don’t obviously merit approval or rejection.
Instant Decision Possible. When you apply for Chase Sapphire Reserve online, you could find out whether you’re approved or denied by the time the page refreshes.
72-Hour Shipping Available. After approval, the standard timetable for getting Chase Sapphire Reserve in your hands is 7-10 business days. But you can request free expedited shipping and get it in 72 hours.
Chase Sapphire Reserve approval is based on a detailed review of your credit history, income, housing status, debts and recently opened credit card accounts. If your qualifications far exceed what Chase is looking for, you could be approved instantly. If not, you may have to wait 7-10 days for a decision.
If you don’t get approved, you have the right to call Chase and ask for reconsideration. But in order to get a denial overturned, you typically need to prove that something on your application was incorrect or incomplete. If reconsideration doesn’t work out for you, you may want to consider applying for a good-credit credit card.