How Long Does It Take to Get a Credit Card?

Getting a new credit card can open the door to financial flexibility, convenient payments and sometimes the ability to earn points, miles or cash back on purchases. But how long does it take to go from application to approval to receiving your card?

The short answer: You may be able to get credit card approval almost instantly. Then, it can take just a few business days to receive your card, depending on the type of credit card you’re applying for, the issuer’s process and how you apply.

Let’s explore how long it usually takes to get a credit card, including tips to help streamline the process.

How long does it take to get a credit card approved?

Credit card approval times can range from right away to about a week, depending on your application details, the credit card and the credit card issuer.

In general, however, you can expect quick approvals, especially if you submit your application online. In fact, if your credit profile meets the lender’s criteria and all required information is provided, you may receive approval almost instantly.

Factors that can affect credit card approval time

• Application accuracy: Incomplete or inaccurate applications can delay the process, as the lender may need to request additional information
• Verification: If the issuer needs to verify your income other details, your approval might take 7 to 10 business days. (This is more common if you’re new to credit or have unique financial circumstances.)
• Qualifications: If your profile is close to the lender’s minimum qualification criteria, they may take more time to review your application
• Timing: If you happen to apply when the issuer is experiencing high application volumes, it may take longer to process your application

If you see that your application is “under review,” it can take up to 30 days before you receive a decision.

How long does it take to receive your credit card?

Once your application is approved, the time it takes to receive your physical credit card can vary depending on the delivery method.

Standard mail delivery

After you’re approved, it typically takes 7 to 10 business days to receive your new credit card by mail. 

Expedited delivery options

If you need your card sooner, some issuers may offer expedited shipping for eligible applicants. Be sure to check with customer service about rush delivery options if time is a factor. Keep in mind that some issuers may charge a fee for this option.

How long does it take to get replacement credit cards?

If you’ve lost your credit card or it’s been stolen, issuers may send you a replacement card in just 1 to 7 business days. This may include expedited delivery and can require a fee.

Can you speed up the process?

While approval and delivery timelines for credit cards are often fixed, there are steps you can take to make the process smoother and help prevent delays.

Submit a complete and accurate application

Before hitting apply, it’s a good idea to double-check that you’ve filled out all required fields correctly. Missing information, such as income details or personal identification, can delay processing.

Consider online applications

Online applications are typically processed faster than applications made over the phone or by mail. Citi’s online application portal provides a streamlined process for many applicants.

Use credit card pre-qualification

Many issuers, including Citi, offer pre-qualification tools to help determine your eligibility before you apply. Although pre-qualification is not a guarantee of approval, it can help you understand your approval odds without harming your credit. That way, you can choose the right credit card for your financial goals and apply confidently.

Look for virtual credit card access

Some lenders will provide instant access to a virtual credit card upon approval. That’s a single-use credit card number which can allow you to start making purchases online using your new account. Just keep in mind that virtual credit cards may have a different credit limit than your physical card.

Is it the right time to apply for a credit card?

Whether it’s time to apply for a credit card depends on your financial circumstances. For example, it might make sense when:

• You’ve improved your creditworthiness: If your credit score has recently increased, it might be a good time to apply for a new credit card with better terms or benefits
• You qualify for a promotional offer: Some credit cards may come with promotional offers, such as a cash bonus for spending a certain amount or a low introductory annual percentage rate for a number of months. The latter can be especially helpful if you have a larger upcoming expense that you can pay off before the low intro APR expires or you’re looking to leverage a balance transfer to get out of credit card debt.

By understanding the steps to get a new credit card, taking proactive measures and timing it right, you can help ensure a smooth application process and start enjoying the benefits of your new credit card as quickly as possible.

Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.