How Long Does a New Credit Card Take to Arrive?
This guide covers standard delivery times, expedited options, and how to start using the card immediately.
Standard delivery times
After approval, most issuers send the card by regular mail, and it typically arrives within about 7 to 10 business days. Timing can vary with your location and the issuer, and specialty cards, like metal ones, can take a bit longer to manufacture and ship.
Speeding it up
If you need the card sooner, call and ask about expedited shipping, which usually brings it in 2 to 3 business days. Some premium and travel cards include free expedited delivery, and issuers will often waive the fee if you ask, especially for a good customer.
Using it before it arrives
You may not have to wait at all. Many issuers now generate an instant digital card number in your online account or app upon approval, and some let you add the card to a mobile wallet immediately, so you can shop online or tap in stores right away. See using a card before it arrives for the details.
- Standard delivery is usually about 7 to 10 business days.
- Expedited shipping of 2 to 3 days is often available.
- Premium cards sometimes ship expedited for free.
- Metal cards can take a little longer to produce.
- Many issuers give an instant digital number to use right away.
Frequently asked questions
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