Can You Expedite a Credit Card Delivery?

After receiving approval for a new credit card, many individuals are eager to begin using their new account. While standard delivery of a physical credit card typically takes several business days, expedited delivery is often an option through many card issuers. Understanding this process can help you receive your new card sooner.

Availability of Expedited Delivery

The option for expedited credit card delivery depends on the specific policies of each credit card issuer. Some major issuers, like Chase, may offer expedited shipping on all their cards upon request, often at no additional charge. Other issuers, such as Discover, might automatically provide priority mail shipping for all new cards, resulting in delivery within three to five business days without an extra fee. Conversely, some companies like Capital One may not offer expedited shipping for new accounts.

The type of credit card can also influence whether expedited delivery is an option. Premium cards, such as high-tier American Express or Chase Sapphire products, frequently include automatic expedited shipping as a standard benefit, ensuring delivery within a few business days.

For other cards, an issuer might charge a fee for expedited service, which can range from approximately $8 to $50, depending on the bank. For instance, Barclays has charged around $15, while U.S. Bank might charge $10 to $20, and Santander has a fee of $35. Some issuers, like Bank of America, may waive these fees if there is a valid reason for the urgent request, such as upcoming travel. Expedited delivery can only be considered once your credit card application has been fully approved.

Steps to Request Expedited Delivery

Once your credit card application has been approved, the most direct method to request expedited delivery is by contacting the issuer’s customer service department. This is typically done by calling the customer service number, found on the issuer’s website or in the approval confirmation. While phone calls are preferred, some issuers may also offer options through online chat or secure messaging within your account portal.

When you contact the issuer, be prepared to provide information to verify your identity and locate your application. This commonly includes your application reference number, full name, date of birth, and possibly the last four digits of your Social Security Number. Clearly state your request for expedited delivery and inquire about any associated fees, as well as the estimated delivery timeline. Also ask if a tracking number will be provided once the card is shipped, allowing you to monitor its progress. If the initial representative indicates that expedited shipping is not possible or requires a fee you wish to avoid, inquire about other options or if a supervisor could review the request.

Receiving and Activating Your Card

Upon successful request, an expedited credit card arrives within one to three business days. This faster delivery often utilizes courier services, which may require a signature for secure receipt. Once the physical card is delivered, activating it is a necessary security measure before it can be used for purchases. Most issuers require activation to protect your account and prevent fraudulent activity.

Activation can be completed through several methods. You can activate your card by calling a dedicated activation phone number, provided on a sticker on the card or in the accompanying documentation. Alternatively, many card issuers allow activation through their secure online banking portal or their mobile application.

For online or app activation, you will need to enter the card number, your date of birth, and possibly the three- or four-digit security code from the card. In some instances, while awaiting the physical card, certain issuers may provide a temporary or virtual card number that can be used immediately for online purchases or added to a digital wallet. This allows for immediate use of the credit line even before the physical card arrives.