Getting a new credit card can open the door to financial flexibility, convenient payment options and sometimes the ability to earn points or miles on purchases. But how long does it take to go from application to approval to receiving your card? The timeline can vary based on the type of credit card you’re applying for, the issuer’s process and how you apply.
Here’s what you need to know about how long it usually takes to get a credit card, including tips to help streamline the process.
How long does it take to get credit card approval?
Approval times can range from right away to several days, depending on your application details, the credit card and the credit card issuer. Here’s what to expect:
Quick approvals
Many credit card applications, especially ones submitted online, are eligible for quick decisions. If your credit profile meets the lender’s criteria and all required information is provided, you may receive approval within minutes. Citi offers instant approvals on certain card types for eligible applicants, so you can quickly find out if you qualify.
Longer processing times
If your application requires further review — perhaps to verify income or other details — approval might take 7–10 business days. This is common if you’re new to credit or have unique financial circumstances.
Factors that can affect approval time
- Application accuracy: Incomplete or inaccurate applications can delay the process, as the lender may need to request additional information
- Creditworthiness: Your credit history and financial profile play a significant role in approval speed. Applicants with established credit may see faster decisions.
- On the borderline for approval: If your profile is close to the lender’s minimum qualification criteria, they may take more time to review your application
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.
Standard mail delivery
After you’re approved, it typically takes 7–10 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.
Can you speed up the process?
While the approval and delivery timelines are often fixed, there are steps you can take to make the process smoother and prevent delays.
Submit a complete and accurate application
Ensure you’ve filled out all required fields correctly when you apply. Missing information, such as income details or personal identification, can delay processing.
Consider online applications
Online applications can process faster than paper forms. Citi’s online application portal provides a streamlined process for many applicants.
Use pre-qualification tools
Citi offers a pre-qualification tool to help determine your eligibility before you apply. This can save time by giving you a sense of your likelihood of approval, helping you select the right credit card for your financial goals.
Use your credit account before you receive the card
If you find the wait to receive the card to be too long you may be able to use some credit cards instantly, before receiving the 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. Here’s when it might make sense:
- Improved 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
- Financial stability: Having a steady income and a manageable debt-to-income ratio (DTI) can increase your chances of approval
- Upcoming expenses: If you're planning a big purchase, getting a credit card that lets you earn points on qualifying purchases or has a low intro APR offer on purchases can be helpful
Getting a new credit card
For many applicants, the process of obtaining a credit card — from application to card delivery — takes several days, especially with online tools. However, the timeline may vary depending on factors like application completeness, creditworthiness and delivery method.
By understanding the steps involved and taking proactive measures, 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.
