The Ultimate Guide to Credit Cards
Monday, October 25, 2021

12 Credit Cards with Expedited Shipping

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

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
Chase Freedom Flex℠ Review

at the issuer'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 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!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A 15 months
14.99% - 23.74% Variable
$0
Good/Excellent

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • 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.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
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

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 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 a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 23.99% (Variable)
$95
Excellent, Good

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
13.24% - 19.24% (Variable)
$0
Excellent

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 $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X 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
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.99% - 24.99% (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® Customized Cash Rewards Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Enjoy a $200 cash rewards bonus after spending at least $1,000 in 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 and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Unlimited 1% cash back on all other purchases
  • Introductory 0% APR for your first 15 billing cycles for purchases and balance transfers made within 60 days of account opening (balance transfer fee applies), then a variable APR applies
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 billing cycles
0% for 15 billing cycles
13.99% - 23.99% Variable
$0
Good/Excellent
Bank of America® Premium Rewards® Credit Card Review

at the issuer'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.6/5.0
  • Earn 50,000 online bonus points (a $500 value) after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases. Plus, earn 2 points for every $1 spent on grocery store purchases – now through 12/31/21.
  • 1.5 points for every $1 spent on all other purchases
  • Flexibility to choose how you redeem your points – redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center
  • Get up to a $100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees - automatically applied to your card statement. Also get up to $100 in Airport Security Statement Credits towards TSA Pre✓ ® or Global Entry Application fees, every four years.
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent
Business Advantage Customized Cash Rewards credit card Review

at the issuer'ssecure website

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services and 2% cash back on dining on the first $50,000 in combined choice category/dining purchases each year, 1% thereafter
  • Earn unlimited 1% cash back on all other purchases
  • Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you'll earn 5.25% on your selected choice category, 3.5% on dining, and unlimited 1.75% cash back on all other purchases.
  • 0% on purchases for 9 billing cycles from account opening, then a variable APR applies
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 billing cycles
N/A
12.24% to 22.24% Variable
$0
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 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.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
Discover it® Miles Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 14 months
10.99% Intro APR for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
Discover it® chrome Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • 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 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

+ 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.

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