Getting Ready for Travel – How Quickly Will You Receive Your New Card?

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Getting Ready for Travel – How Quickly Will You Receive Your New Card?

JasonGetting Ready for Travel – How Quickly Will You Receive Your New Card?Million Mile Secrets Team

Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Getting approved for a new credit card is exciting!  And if you’re like me, you probably can’t wait to receive the card and start making purchases.

Because the sooner you meet minimum spending requirements on new cards, the quicker you can unlock lucrative welcome bonuses!  And that’s the easiest way to get Big Travel with Small Money!

Most credit cards arrive within 7 to 10 business days after approval.  But some banks can get you the card a lot faster!

Expedite New Credit Card
Expedite a New Card? Yes, Please!

I’ll let you know which banks will expedite your new card!

How Long Does It Take to Get a Credit Card?

Perhaps you’re planning to make a large purchase that can knock out a big chunk of a card’s minimum spending requirements.  Remember, the minimum spending clock starts on your approval date, NOT your activation date.

Getting rush shipping might also help if you’re traveling overseas and want a card that has no foreign transaction fees!

Here’s a guide to helping you know which cards you can get quickly after approval.

1.   American Express

AMEX automatically overnights some of their premium credit cards, like the AMEX Platinum cards, including:

Team member Meghan’s mother was recently approved for the AMEX Business Platinum card and it was automatically overnighted to her!

It’s possible you might get expedited shipping with other AMEX cards, but you’ll probably have to request it.

Expedite New Credit Card
As Soon as You Get Your AMEX Platinum Card, You Can Start Charging Paid Hotel Stays at Hotels Like the W Bali Seminyak to Earn Bonus Points

Once you’re approved for a new AMEX card, I’d suggest calling AMEX to request expedited shipping.  But there is no guarantee you’ll get it.

Meghan was recently approved for The Hilton Honors American Express Business Card.  And even though the application page stated the card would be delivered within 2 to 3 business days, it took 7 business days for her to receive it.  Even after calling (and online chatting!) with AMEX to ask for rush delivery!

2.   Bank of America

You’ll normally have to wait 7 to 10 business days to get your Bank of America card in the mail.  But the Bank of America representative I talked to said that expedited shipping was available on any new credit card for no extra fee!

3.   Barclays

You can get rush delivery on your Barclays credit card, but you’ll have to pay a $15 fee.  And you can select the option for expedited shipping during the application process.

Expedite New Credit Card
Barclays Will Add a Fast Card Fee If You Want It Quickly

The Barclays representative I talked to said that the fee is charged to your account by FedEx, so they won’t waive it except in the case of fraud.

4.   Capital One

You can expect your new Capital One card within 7 to 10 business days following approval.  You can make a request for expedited shipping, but there’s no guarantee it will be granted.

The Capital One phone representative told me that if the request for expedited shipping is approved, there would be no additional fee.  This applies to cards like:

Hyatt Free Night Certificates
Pay for Your Next Hotel Stay With the Capital One Venture Card and Use Your Miles to Offset the Travel Charge

Read our full review of the Capital One Venture card.  These miles are easy to earn and redeem.  Because you can offset travel purchases without worrying about blackout dates!

5.   Chase

If you call Chase after approval, they will expedite most of their cards for free!  That includes cards that earn Chase Ultimate Rewards points, like:

Expedite New Credit Card
Get Your Chase Ultimate Rewards Points Earning Card Quicker so You Can Start Earning My Favorite Flexible Points, Which You Can Transfer Directly to Airline Partners Like Southwest

If you don’t feel like calling, you can send a secure message and ask for rush shipping.

That said, some folks have reported having a more difficult time getting co-branded cards expedited.  Team member Meghan was approved for the United Explorer Business Card ~11 months ago, and when she called to get it rushed, the Chase representative said it couldn’t be expedited because it was a co-branded card.  So, it’s possible certain cards might not have an option to be expedited.

6.   Citi

You’ll typically get your new Citi card within 7 to 10 business days.  The Citi representative I talked to said that they do NOT expedite shipping on new cards.

However, if you need a replacement card, you can request rush shipping.

7.   Discover

Discover credit cards are always sent with priority shipping.  You don’t have to ask!

Expedite New Credit Card
Priority Shipping With the Discover It Card Means You Can Start Earning Cash Back Right Away!

This includes terrific no-annual-fee cards like the Discover it® Miles!  Remember if you’re a new cardmember, Discover will match the cash back or miles you’ve earned after the 12th billing cycle.

8.   US Bank

For other US Bank cards, it’s possible to get expedited shipping.  But you’ll have to pay an additional fee of $15 to $25.

Bottom Line

After approval, some banks automatically rush your new card so you can start meeting minimum spending requirements right away.  This is great if you’re trying to unlock valuable welcome bonuses on top travel cards!

Keep in mind, you might have to call to request expedited shipping.  This is the case for cards like the Chase Sapphire Preferred and Chase Sapphire Reserve.  And some banks charge a fee to get a new card faster than the standard shipping time.

Have you had success getting your card quickly?  Tell me about your experiences in the comments!

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Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I just got approved for a Capital One Quick Silver and already have a Platinum and was told by a representative that they cannot expedite my new card. They will only do it if it’s a replacement card or another card under the same account number. The reason was because there is special welcome information that can’t be included with an expedited new credit card. I will call back in the morning to verify if this person was correct. Just wanted to share.

I’m an American but live overseas. I am required to have my cards sent to my HOR and then have them forwarded to me. This all takes about 4 to 6 weeks for me to actually get them in hand. I requested Am X change the start date to allow me extra time to achieve the minimum spending for the bonus points and they did so immediately.

Thanks for sharing Jim! Glad to hear that Amex was willing to change the date for you. I’ve always been happy with their customer service!

My wife’s Chase Sapphire Reserve card came in two business days – without having to request expedited shipping! We deliberately asked for it a week before we needed it, so as to allow time for processing and travel, but it arrived on a Tuesday, after a Saturday application.

Awesome! Thank you for sharing your personal experience!