When will I get my new credit card? | finder.com
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How long does it take to get a credit card?

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Your credit card application’s just been approved, so what happens next? Find out when you’ll get your new credit card here.

After taking time to compare credit card offers and apply for one that suits your needs, it’s exciting to find out your application is approved. But then comes the hard part: waiting for the card to actually arrive.

So how long does it take before you can start using your new credit card? Here, we explain when you can expect to receive your card and what happens after your application is approved. You can also find out what you’ll need to do when you get your new card, compare credit cards with 60-second approval and get answers to frequently asked questions so that you can be as prepared as possible when it finally arrives.

Our pick for a quick application process

Blue Cash Preferred® Card from American Express

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • NEW 6% cash back on select U.S. streaming subscriptions.
  • NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
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See Rates & Fees

When will I get my new credit card?

Compare the application length and waiting period for new credit cards by provider to find out how long you may have to wait to get your next credit card.

Provider Application length (approx) Decision time (business days) Card arrival (business days)
Chase Less than 3 minutes In minutes or if more information is needed, in a few days 7 to 10 days
American Express 3-5 minutes In minutes or if more information is needed, in a few days Mailed within 3-5 days
Barclaycard 3-5 minutes In minutes or if more information is needed, up to two weeks 7 to 10 days
Capital One 3-5 minutes Less than a minute or if more information is needed, 7-10 days 7 to 10 days
Discover 3-5 minutes In minutes or if more information is needed, you’ll receive a message 7 to 10 days
Wells Fargo 3-5 minutes In minutes or if more information is needed, 5-7 days. 7 to 10 days
Citi 5-10 minutes In minutes or if more information is needed, up to 10 days 7 to 10 days
U.S. Bank Less than 3 minutes In minutes or if more information is needed, notification by mail 10 days
Bank of America 5-10 minutes 10 to 12 days 7 to 10 days
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Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.74% to 26.74% variable
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
0% intro for the first 18 months (then 12.99% to 20.99% variable)
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.99% to 25.99% variable)
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
1.5% cash back after earning 3% on all purchases in your first year up to $20,000
0% intro for the first 15 months (then 16.99% to 25.74% variable)
Earn 3% cash back on all purchases in your first year up to $20,000 spent, then earn 1.5% cash back after that.

Compare up to 4 providers

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What happens after I’ve applied for a credit card?

Man looking at his tablet and holding a cupAfter you submit your credit card application, the credit card issuer will assess your credit history and current finances in order to determine whether or not you are eligible for the card. They also use this process to determine how much credit they will offer you (in the form of your credit limit).

Providing you meet all the key application criteria, you could get conditional approval for the card within 60 seconds of submitting an online application. If not, you may get a follow up call or email from the credit card issuer asking for further information.

Providing supporting documentation
When you receive conditional approval for a credit card, the issuer may also ask you to submit supporting documents to complete the application process. The sooner you provide this information, the faster you’ll get your card. The documents you’ll need may vary between providers, but generally include some or all of the following:

  • A copy of your driver’s licence
  • A copy of your passport
  • Recent payslips
  • Recent bank statements
  • Your most recent Tax Assessment Notice
  • Your employment contract
  • A letter from your employer or accountant verifying your employment and/or financial details

The credit card issuer will let you know what documents you need to submit for your individual application. Usually you can submit them through a secure online service, via email or by post or fax. You may also be able to provide your supporting details by visiting a nearby branch. After the issuer receives these documents, your application approval will be finalised and they can issue your new credit card.

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What do I need to do when I get my credit card?

After completing the whole application process, your credit card will usually come in the mail within the timeframe outlined by your provider. In some circumstances you may also be asked to go to your nearest branch to pick it up for security reasons.

Your new credit card issuer will also put together a “welcome pack” for you containing valuable information about the bank, the credit card and its terms and conditions of use. The welcome pack will either arrive before the card or come with it. Make sure you read through the provided information thoroughly before you start using your new credit card.

If you’re replacing an old credit card that you aren’t using anymore, you might consider returning or destroying your old one.

How do I activate my credit card?

Depending on the issuer, you may be able to activate your new credit card online, over the phone or in person. Information about card activation will also be included in your welcome pack and usually takes just a few minutes to complete.

Remember to sign your card

The signature panel on your new credit card gives you the legal authority to use the it and protects you against unauthorised transactions if it’s lost, stolen or compromised. So make sure you sign it when you first activate the card.

While it is exciting to be approved for a new credit card, there are a few more steps you need to know about before you can start using it. Being prepared for this process means you can tick all the boxes along the way and start using your credit card as soon as possible.

Is it ok to change credit cards frequently?

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Frequently asked questions

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2 Responses

  1. Default Gravatar
    MartinAugust 13, 2019

    How do I replace my worn out old card?

    • Avatarfinder Customer Care
      JhezAugust 14, 2019Staff

      Hello Martin,

      Thank you for your comment.

      To have a card replacement, the issuer must be contacted. You can either call them on their contact numbers or you may request a card replacement by logging in to your online banking account and look for “order card replacement option”. Usually, banks have this feature in their internet banking facility. Hope this helps.


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