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.
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 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. 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount. No annual fee.
Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
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 $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Intro (Purchases)N/A
Intro (Transfers)0% 18 months on Balance Transfers
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, vacation rentals and rental cars booked through Capital One Travel
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; 18.49% - 28.49% 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 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.
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
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 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
Be automatically considered for a higher credit line in as little as 6 months
Help strengthen your credit for the future with responsible card usage
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
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 $50 cash back into $100. Or turn $100 cash back into $200.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount
No credit score required to apply.
No annual fee and build credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% - 25.49% applies.
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 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 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 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 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.
The secured Self Visa® Credit Card* requires no credit check or minimum score.
Reports to all 3 major credit bureaus to establish and build credit, with free access to your credit score.
Secure your credit line with a refundable security deposit as low as $100.**
Deposits are returned upon account closure after settling outstanding balances.
*The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
**Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
Intro (Purchases)N/A
Intro (Transfers)N/A
Regular APRVariable APR of 27.49%
Annual Fee$0 annual fee for the first year only, $25 annual fee thereafter
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.
2% cash back on category of choice with direct deposit***
The perks of credit building meet the best of banking****
Chime Checking Account required to apply for the Chime Visa® Credit Card
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.
*Money added to Chime CardTM will be held in a secured deposit account as collateral for your Chime Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
**Out-of-network ATM withdrawal and over the counter advance fees may apply.
***With a qualifying direct deposit, earn 2% cash back on category of choice on eligible secured Chime Visa® Credit Card purchases.
****On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
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.
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
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 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.
Member FDIC
Intro (Purchases)0% Intro APR on Purchases 15 months
Intro (Transfers)0% Intro APR on Balance Transfers 15 months
Regular APR18.99% - 28.49% Variable
Annual Fee$0
Credit NeededGood/Excellent
Additional Disclosure: Non-Monetized. The information related to Chase Freedom Unlimited® was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
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 $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% cash back 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!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro (Purchases)0% Intro APR on Purchases 15 months
Intro (Transfers)0% Intro APR on Balance Transfers 15 months
Regular APR19.24% - 27.99% Variable
Annual Fee$0
Credit NeededGood/Excellent
Additional Disclosure: Non-Monetized. The information related to Chase Freedom Flex℠ was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
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 75,000 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
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.
Member FDIC
Intro (Purchases)N/A
Intro (Transfers)N/A
Regular APR19.99% - 28.24% Variable
Annual Fee$95
Credit NeededGood/Excellent
Additional Disclosure: Non-Monetized. The information related to Chase Sapphire Preferred® Card was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
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 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. 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount. No annual fee.
Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
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. 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 mile-for-mile match. You could turn 35,000 miles into 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 and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR will apply.
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. 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. You'll still earn unlimited 1% cash back on all other purchases.
Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
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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