It typically takes minutes to get an initial approval decision for a credit card application online, with many issuers offering instant or quick approvals. However, if the application requires further review, it can take several days, usually up to 7 to 10 business days. By law, issuers must approve or deny your application within 30 days. Once approved, the physical credit card usually arrives in the mail within 7 to 10 business days, though expedited shipping or instant virtual cards may be available in some cases.
Approval Timeline Details
- Instant approval: Many major issuers provide instant approvals online if the credit profile meets their criteria.
- Pending review: If further verification is needed, manual review may extend the decision time to up to 7-10 business days.
- Legal limit: Credit issuers have up to 30 days to respond with approval or denial.
- In-person or phone applications: These can take longer than online applications.
Receiving the Card
- The actual card typically arrives within 7-10 business days after approval.
- Some issuers offer expedited shipping or virtual card usage immediately upon approval.
- If the application is complex or requires more documents, it may delay both approval and delivery.
Tips for Faster Approval
- Ensure the application is accurate and complete.
- Apply for cards matching your credit score.
- Consider preapproval or prequalification options to increase chances of instant approval.
This means one can often know within minutes whether an application is approved, but physically using the card may take about one to two weeks unless instant virtual use is offered.
