The Ultimate Guide to Credit Cards
Wednesday, February 26, 2020

12 Credit Cards with Expedited Shipping

12 Credit Cards with Expedited Shipping

credit card advice

Eric Bank
By: Eric Bank
Posted: January 27, 2020
Advertiser Disclosure

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.

Chase | Capital One | BoA | Discover
FAQs

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.

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • 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®
  • 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
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% Variable
$550
Good/Excellent

+ See More Chase Cards

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.

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 15+ leading travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ leading travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
14.49% - 24.49% (Variable)
$0
Excellent, Good

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.49% - 25.49% (Variable)
$0
Excellent, Good

+ See More Capital One Cards

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.

Bank of America® Cash Rewards Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

0.0/5.0
  • $200 online cash rewards bonus after you spend at least $1,000 on purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • Plus, earn 2% at grocery stores and wholesale clubs, and 1% cash back on everything else
  • Bonus rewards capped at $2,500 is combined bonus category purchases each quarter
  • No annual fee
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 Billing Cycles
0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days)
15.49% - 25.49% (Variable)
$0
Excellent/Good
Bank of America® Travel Rewards Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

0.0/5.0
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
  • 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want — you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 12 billing cycles
N/A
17.24% - 25.24% (Variable)
$0
Excellent/Good
BankAmericard® Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★
4.6

OVERALL RATING

0.0/5.0
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 15.24% to 25.24% 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles
0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days)
15.24% to 25.24% (Variable)
$0
Excellent/Good

+ See More Bank of America Cards

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 Cashback Match®, 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.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent
Discover it® Balance Transfer Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.49% - 24.49% Variable
$0
Good/Excellent
Discover it® Business Card Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • INTRO OFFER: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.
  • Earn 1.5% cash back on every dollar spent on all purchases.
  • Redeem your cash back for any amount, any time. Your rewards never expire.
  • Track business expenses. Download transactions easily into Quicken, QuickBooks, and Excel.
  • Add up to 50 free employee cards.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 Months
N/A
14.49% to 22.49% Variable
$0
Excellent/Good

+ See More Discover Cards

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.

Shipping Times by Issuer

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.