It usually takes 14-24 business days to get a credit card, from the time you submit an application to when it arrives in the mail. But it’s possible to get a credit card in as little as a week if you apply online and request expedited delivery. Some issuers will even give you an account number to use for purchases before you receive your physical card.
A lot depends on your credit standing, the card you pick and how you apply for it. Each credit card issuer has its own approval criteria and timelines, after all. But there are several steps you can take to speed things up.
Here’s how to get a credit card faster:
Get preapproved: If you’re interested in a card from a certain issuer, you can also see if they have a preapproval check. If you’re preapproved for a credit card, your instant approval chances increase quite a bit.
Apply online: Online applications are always best because they send your data to the issuer right away. You also have a chance of being approved instantly if your credit exceeds what the issuer is looking for. You could consider applying for credit cards that are a little below your own credit range if you want the best chance of instant approval. But it might be better to risk waiting a little longer to get a card with greater benefits.
Frequently check for approval: If you’re not approved or denied instantly, the credit card issuer needs more time to verify and evaluate your information. This could take a few weeks. But most credit card companies allow you to quickly check the status of your application online or over the phone.
Speed up delivery: In almost all cases, it’ll take 7-10 business days for your credit card to reach you. But many companies allow you to pay for expedited shipping or even pick up your card at a bank branch sooner. And some companies will let you get your number immediately. For example, by downloading the Capital One app, you can see the number and verification information for new cards right away, so you’re able to use them for online transactions.
A big part of getting a credit card is figuring out exactly which card to apply for. One way you can move through this more quickly is by signing up for a free WalletHub account. Based upon your credit, we’ll recommend cards you’re likely to be approved for.
Whichever card you choose, you should never have to wait more than a month to get a new credit card in your hand. But it’s natural to want a faster process. And you can have it. Just follow these steps, and you’ll have a better chance of making the total wait time closer to a week.