Amazon.com has spoiled us. It habituated us to fast shipping, something it had to do to compete with brick-and-mortar retail shopping. Now we expect everything we order to arrive at our door fast.
You’d think that the credit card industry was just as prompt, but typical shipment times are a glacial seven to 10 days to receive a new card, and three to seven days for a replacement. However, it’s only the major issuers that offer credit cards with expedited shipping of one to two days, either for free or for a fee.
Other smaller banks and credit unions may offer the service as well. Read on to discover the top 12 credit cards with the best expedited-shipping policies.
Best Chase Cards with Expedited Shipping
Chase is the leading issuer in the United States of general-purpose credit cards, boasting 93 million cardholders and almost 32% of industry revenues. It’s known for having high customer satisfaction among cardholders.
Perhaps one reason for its positive service reputation is its shipping policy. Expedited shipping is free on all its cards, which are mailed out on the same day and arrive in one to two days. You can ask for expedited shipping by calling its customer service number at 1-800-432-3117.
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
15.99% - 22.99% Variable
Best Capital One Cards with Expedited Shipping
Capital One has more than 45 million cardholders covering the spectrum of credit scores from poor to excellent. It offers around-the-clock customer service and free access to credit scores. It also offers in-person customer service at any of its 750 bank branches.
While Capital One doesn’t automatically offer expedited shipping on new cards, you can request expedited shipping, though there’s no guarantee it will be done. Make your request to Capital One customer service at 1-877-383-4802.
Best Bank of America Cards with Expedited Shipping
Bank of America issued the first general-use credit card in 1958 and eventually grew to the Number 8 issuer with 32 million cardholders. It offers several cards, including co-branded ones.
Bank of America offers expedited shipping for special situations, such as impending out-of-country travel. However, reviewers cite free expedited shipping on any new card if you ask for it. You can request expedited shipping at 1-800-732-9194.
- 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
- You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
- There's no annual fee and your cash rewards don't expire. Each month, as you plan for future purchases, you can change your 3% choice category online or through our mobile app.
0% Intro APR for 15 Billing Cycles
0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days)
13.99% - 23.99% (Variable)
- Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
- Enjoy no annual fee and no foreign transaction fees while earning points to use for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees
- Introductory 0%† APR for your first 12 billing cycles for purchases. After that, a Variable APR that's currently 14.99% to 22.99% will apply.
- 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases
- Preferred Rewards members earn 25%-75% more points on every purchase
- That means you could earn up to 2.62 points for every $1 you spend, everywhere, every time.
0% Intro APR for 12 billing cycles
14.99% - 22.99% (Variable)
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% to 22.99% Variable APR
- $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
0% Intro APR for 15 billing cycles
0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days)
12.99% to 22.99% (Variable)
Best Discover Cards with Expedited Shipping
Discover is the smallest of the big-four card processing networks (behind Visa, Mastercard, and American Express), yet it can be proud of having 57 million cardholders, including many with below-average credit scores. Its cards are well-regarded for their rewards, travel offers, and fraud protection.
Discover has split the difference between snail mail and expedited shipping by providing priority mail shipping on all cards. You don’t have to ask for it, it’s automatic and free. Expect your card to arrive in three to five business days.
Can You Get a Credit Card Expedited?
Some issuers offer expedited shipping that’s free and easy to obtain. Others require a compelling reason and may charge a fee.
Or, you may encounter an issuer like Discover that offers free priority shipping in lieu of expedited shipping. Some issuers don’t offer expedited shipping at all, even if you’re willing to pay for it.
Most credit cards will arrive in seven to 10 days. Naturally, the shipment must wait on approval, so it makes sense (for several reasons) to apply for cards that offer a reasonably good chance of approval.
Often, an application enters pending status because some piece of information is missing. You can help the process by contacting the issuer’s customer service department and see what’s causing the delay. It may be as simple as verifying your employer or annual income.
Some issuers offer same-day approval. If you’re in a rush, choose one of them.
That way, you’ll know right away whether you have to apply somewhere else. That’s a lot better than waiting a few days before finding out your application was denied.
Another reason why it may take a while to receive a new credit card is that it must be manufactured. It’s faster to make a simple plastic card than a fancy heavy-weight. And we can imagine that some fabrication operations are more efficient than others.
How Long Does it Take for a Credit Card to Be Mailed?
Standard shipping requires about seven to 10 days for a card to arrive. That’s almost a 50% variance in delivery times.
What’s that three-day span all about? Part of it is doubtlessly due to how quickly the issuer gets the card into the capable hands of the postal service.
The major credit card issuers must keep costs down by operating efficiently. They handle millions of cards each year and any operational hiccups can cause unnecessary expenses or customer dissatisfaction.
Therefore, we may expect big issuers to get cards into the mail as soon as possible, meaning the same or next business day.
But, as we mentioned earlier, some cards may take longer to fabricate. For instance, heavy metallic or carbon-fiber cards may require more complicated fabrication techniques.
Card fabrication became more complicated a couple of years ago with the introduction of cards bearing EMV chips. These chips contain custom information that increases card security.
Initially, the new technology required extra processing time to manufacture, but those kinks by now have been worked out with virtually all new cards having chip technology.
We think it stands to reason that the issuers that offer overnight expedited shipping, such as Chase, must have extremely efficient card fabrication operations. They may be your best bet for quicker mailing, even when it’s not expedited.
Can You Use Credit the Same Day You’re Approved?
Perhaps you’re not aware of it, but some issuers allow immediate use of your credit card account without waiting for receipt of your physical card. This allows you to make card-not-present (CNP) purchases while the card is in transit.
Issuers can implement same-day usage in a couple of ways. The simplest is to send you your new account number.
That’s convenient, but it may not be the safest if they send you the number via email. If you are worried about security, you probably don’t want your credit card number arriving in an email. If your email is hacked, you’re open to fraud.
Alternatively, the issuer may offer virtual card numbers to use while you wait for your card to arrive. A virtual card has a random account number and is good for a single card-not-present transaction. You can get a new virtual number for each CNP purchase, which allows same-day use of your new credit card.
Capital One offers virtual card service through its Eno® assistant feature. Eno also tracks spending and monitors for fraud.
Select Citi cards provide virtual account numbers through its online interface, but you must first register the real account number. However, Citi immediately releases the real account number for only its co-branded cards.
Bank of America will provide you with your credit card number upon approval, but only if you applied via the Bank of America mobile app. You can then use the card in your digital wallet. You can also request one-time or recurring virtual card numbers via the issuer’s ShopSafe® service.
Rest Assured You Have Options When in a Hurry
Our review of credit cards with expedited shipping reveals the 12 best cards for folks in a hurry. We give top honors to Chase for offering free expedited shipping and/or same-day mailing on all its cards.
We also appreciate Discover’s middle-of-the-road approach of shipping all cards via priority mail. The bottom line: When you want your card now, you’ve got good options.