Chase typically takes up to 14 days to approve a credit card application, though some decisions can be made instantly or within a few minutes if the application is straightforward and all information is verified quickly. More complex applications or those requiring additional information may take longer, sometimes up to two weeks or more
. Once approved, Chase usually mails the physical credit card within 7 to 10 business days. In some cases, you may receive virtual card details immediately for use before the physical card arrives, especially with certain cards like the Chase Sapphire Preferred
. Factors influencing approval time include:
- How you applied (online, phone, branch, or mail)
- Your existing relationship with Chase (existing customers may get faster decisions)
- Completeness and accuracy of your application
- Credit score and financial information verification
- Whether additional documentation is needed
For business credit cards, the approval process can range from minutes to several weeks depending on whether manual review is required
. In summary:
- Instant to a few minutes for simple approvals
- Typically within 7 to 14 days for most applications
- Up to 30 days if additional review or verification is needed
- Card delivery in 7 to 10 business days after approval
You can check your application status online, by phone, or at a Chase branch if you want updates during the process
