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To activate a credit card, call the number on the back of the card or go to the website listed on the activation sticker attached to the card. Credit card activation typically requires the credit card number, the security code (CVV), or both.
The exact steps required to activate a credit card depend on the card issuer, so it’s best to follow the instructions printed on the sticker that comes on your card. If you’ve lost your sticker – or you’re just wondering – here’s a quick reference guide to credit card activation with some of the biggest card issuers.
Here’s how to activate credit cards from major issuers:
Issuer |
Activation Phone Number |
Activate Online? |
Activate via Mobile App? |
American Express |
Phone number on the back of your credit card |
Yes |
|
Bank of America |
Yes |
||
Barclays |
Yes |
||
Capital One |
Phone number on the back of your credit card |
Yes |
|
Chase |
No |
||
Citibank |
Phone number on the back of your credit card |
Yes |
|
Discover |
Yes |
No |
|
U.S. Bank |
Phone number on the back of your credit card |
Yes |
|
Wells Fargo |
Phone number on the back of your credit card |
Yes |
It’s important to remember that some credit card issuers will require your Social Security number or other information to verify your identity when you activate your card. Once you’ve activated your credit card, you can use it immediately.

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