How Long Does It Take to Get a Credit Card? (2023)
Updated:
Writer: Adam West
Adam West, Managing Editor
Adam has interviewed over 1,000 finance experts since joining the CardRates team in 2016. He spearheads industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.
Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.
Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.
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After extensive searching, countless comparisons, and laborious decision-making, you finally did it. You finally chose a credit card. It took work — there are dozens of options simply for cash back cards alone — but you’re confident you made the right choice.
Now, all you need to do is apply and wait for your shiny new card to show up. But after so much agonizing over just the right card, it’s hard to remain patient. When is it going to come? Just how long does it take to get a credit card?
Not that long ago, when paper applications were the norm, the whole process — from application to card activation — could take weeks. Today, thanks to the wonder of the internet and digital applications, getting your credit card can be quicker than you think. In the following article, we’ll dive into the modern application and approval process as well as look at some of our top choices for credit cards for a wide range of credit scores.
While you can still use an old-school paper application to apply for a credit card, online applications are the name of the game these days. Almost every credit card issuer offers online applications, which can be reached through the issuer’s website. Most online applications take only a few minutes to fill out and can provide a response in less than a minute.
Of course, near-instant responses aren’t always the case, as anyone who has received a “pending” notice knows all too well. Reasons for a pending application can be as varied as the applicants themselves, but often occur if your credit profile is on the borderline of acceptance for the card and needs a manual overview.
Depending on the reason your application decision couldn’t be made by the computer when you applied, responses can take days, up to weeks, to come in the mail. You can limit the chance of a pending application by being sure you fit the general credit requirements of the card you select.
Consumers with good credit are the least likely to experience a credit-related “pending” application, but it can still happen if you apply for a credit card that expects excellent credit instead. Other reasons your application response may be delayed include too many recent accounts (think Chase’s 5/24 Rule) or too little credit history.
In many cases, calling the card’s application customer service line can help you determine the reason your application didn’t receive an immediate response. In the case your credit profile just didn’t quite make the cut, don’t worry; there are plenty of other options for good-credit consumers who want a solid credit card.
Our experts rate credit cards for good credit based on their rewards, APRs, bonuses, fees, and added perks. We compare top offers to help cardholders maximize value. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
Our experts rate credit cards for good credit based on their rewards, APRs, bonuses, fees, and added perks. We compare top offers to help cardholders maximize value. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit cards for good credit based on their rewards, APRs, bonuses, fees, and added perks. We compare top offers to help cardholders maximize value. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn a one-time $200 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
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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 and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Those with fair credit are some of the most likely to wind up with a “pending” notice, particularly when applying for prime credit cards that usually cater to good credit or better. A low credit score, too much existing debt, a very limited credit history, or a too-recent negative mark could all contribute to an applicant needing to wait longer to receive a decision.
In addition to being sure to apply for cards that are friendly to fair-credit applicants, like those below, you can also check for pre-qualification offers to judge your chances of approval. While pre-qualifying for a credit card won’t guarantee acceptance (let alone immediate acceptance), it can be a good indicator of whether you’ll be approved when you apply.
Our experts rate credit cards for fair credit based on their APRs, fees, approval odds, rewards, and credit-building potential. We compare offers to help cardholders find the best mix of value and accessibility. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit cards for fair credit based on their APRs, fees, approval odds, rewards, and credit-building potential. We compare offers to help cardholders find the best mix of value and accessibility. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
No credit score required to apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.24% - 26.24% applies.
Capital One QuicksilverOne Cash Rewards Credit Card
4.8/5.0
About this rating
Our experts rate credit cards for fair credit based on their APRs, fees, approval odds, rewards, and credit-building potential. We compare offers to help cardholders find the best mix of value and accessibility. Issuers have no influence on our ratings.
Capital One QuicksilverOne Cash Rewards Credit Card
4.5/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
At the bottom of the credit score totem pole, poor-credit consumers aren’t necessarily the most likely to get a pending application — but they are the most likely to be flat-out rejected. With poor credit, your credit card options are generally going to be restricted to subprime unsecured credit cards and secured credit cards.
Which card you select when you have bad credit will likely depend on your means at the time. If you can put forward a decent deposit, a secured credit card will typically offer much lower fees and interest rates than a subprime card, and deposits are fully refundable. That said, subprime unsecured credit cards will often require less money up front.
Our experts rate credit cards for bad credit based on APRs, fees, approval ease, rewards, educational resources, and issuer reputation. We focus on providing the best options for those rebuilding credit and compare similar offers to find a balance between accessibility and affordability. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit cards for bad credit based on APRs, fees, approval ease, rewards, educational resources, and issuer reputation. We focus on providing the best options for those rebuilding credit and compare similar offers to find a balance between accessibility and affordability. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit cards for bad credit based on APRs, fees, approval ease, rewards, educational resources, and issuer reputation. We focus on providing the best options for those rebuilding credit and compare similar offers to find a balance between accessibility and affordability. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Consumers who have yet to establish a credit history will have many of the same issues faced by those with fair credit, especially when applying for unsecured cards in the prime market. If you’re not worried about rewards, then no-frills entry-level credit cards are the best bet to establish credit.
If you’re in the market for rewards, however, there are some good secured credit card options, as well as several student cards that offer cash back rewards with no (or small) annual fees. Don’t expect rock-bottom APRs or big-dollar signup bonuses at this point; focus on building your credit the right way to unlock better cards down the road.
Our experts rate credit cards for limited or no credit history based on APR, fees, approval ease, and rewards. We focus on finding affordable cards that help build credit, comparing offers to ensure the best value. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit cards for limited or no credit history based on APR, fees, approval ease, and rewards. We focus on finding affordable cards that help build credit, comparing offers to ensure the best value. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Capital One Quicksilver Student Cash Rewards Credit Card
4.7/5.0
About this rating
Our experts rate credit cards for limited or no credit history based on APR, fees, approval ease, and rewards. We focus on finding affordable cards that help build credit, comparing offers to ensure the best value. Issuers have no influence on our ratings.
Capital One Quicksilver Student Cash Rewards Credit Card
4.6/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Once your application has officially been approved, the real wait begins as your card makes it way to your mailbox. And that wait can last more than a week — between seven and 10 days, to be specific.
That’s because your approved application not only has to travel through the bank’s system so a new account can be created, but also because, well, your actual card has to be created. The EMV chip needs to be programmed with your information and inserted into the plastic (or, in some cases, metal) card, and your name imprinted or etched into the surface. After that, you still have to wait for the card to be prepared for shipping and sent through the U.S. Postal Service or another carrier of the card issuer’s choice.
In the case that you simply can’t wait a week for your new card to arrive, you may have the option to request expedited shipping — but it will likely cost you, as the majority of issuers will charge a fee for expedited shipping. Want your card lickety-split without the fee? These issuers will quick-time your card without charging a premium for the privilege.
A popular purveyor of consumer credit cards, Chase’s catalog of card options includes a range of rewards cards and a collection of co-branded options. And you can have any of those cards expedited for free simply by submitting a request, either through a secure online message or by calling Chase customer service at 1-800-432-3117.
Our experts rate Chase® cards based on their APRs, signup bonuses, and fees, with a focus on Ultimate Rewards® and travel perks like insurance, credits, and point transfer options. We also consider benefits like airport lounge access and rotating cash back categories. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Our experts rate Chase® cards based on their APRs, signup bonuses, and fees, with a focus on Ultimate Rewards® and travel perks like insurance, credits, and point transfer options. We also consider benefits like airport lounge access and rotating cash back categories. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Our experts rate Chase® cards based on their APRs, signup bonuses, and fees, with a focus on Ultimate Rewards® and travel perks like insurance, credits, and point transfer options. We also consider benefits like airport lounge access and rotating cash back categories. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
The Discover it® cards are hugely popular for its quarterly rotating cash back bonus categories that can help cardholders earn tons of rewards in useful purchase categories. And getting your new Discover card is the quickest of all, as Discover expedites new cards as a matter of course, no fees required.
Our experts rate Discover® cards based on reward rates, APRs, and fees, with an emphasis on cash back categories and rotating bonus rewards. We also consider features like 0% APR offers and other perks to ensure the best value. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
Our experts rate Discover® cards based on reward rates, APRs, and fees, with an emphasis on cash back categories and rotating bonus rewards. We also consider features like 0% APR offers and other perks to ensure the best value. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase
No annual fee
Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
0% intro APR for 15 months on purchases. Then 18.24% - 27.24% Standard Variable Purchase APR will apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Discover is accepted at 99% of places that take credit cards nationwide.
Our experts rate Discover® cards based on reward rates, APRs, and fees, with an emphasis on cash back categories and rotating bonus rewards. We also consider features like 0% APR offers and other perks to ensure the best value. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
Redeem your rewards for cash at any time.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Waiting sucks. After all the time and effort we tend to put into making decisions, the wait for the results can feel interminable. But, as with most things in life, patience can go a long way in the credit card process, whether it’s patience with a pending application or simply being patient as you wait for your card to arrive.
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