In this article, we’re answering “How long does it take to get a credit card?” Not surprisingly, the answer is “It depends”.
However, in most cases, it is possible for applicants to receive approval for a card within seven to ten business days. That said, there are nuances, and this timeline does not apply to everyone.
We will explain these nuances and discuss which card applicants should expect a longer application process below. And, we will also be answering common questions we receive from our members about the card approval process.
This article is part of our free series on credit products in the United States, including how to get US credit cards for foreigners, which you can access here.
Feel free to use the table of contents to jump ahead to the sections most relevant to you.
Table of Contents
- How Long Does It Take To Get a Credit Card?
- Applying for Credit Cards
- Frequently Asked Questions
- Do You Want Help Opening Bank Accounts?
How Long Does It Take To Get a Credit Card?
The time it takes to get a credit card will vary by the card issuer and applicant. However, in most cases, the credit card application approval process takes between seven and ten days and the card delivery can take an additional three to five business days.
That said, if the card issuer needs to verify any additional information about the applicant or requires additional documents, the application time can increase significantly.
Likewise, if the applicant is a non-resident, comes from a high-risk country, or otherwise requires a more detailed compliance review, then the application process will take more time.
In short, the credit card application processing time will be different for each applicant. However, in most cases, the application approval period does not last more than ten days.
In the following section, we will take a closer look at the approval process.
Applying for Credit Cards
Applying for credit cards can be challenging, especially for foreign non-residents, ITIN holders, and first-time applicants. But, it’s important to point out that each of these client groups is eligible to apply for a US card (including foreign non-residents).
That said, the process to successfully apply for and obtain a US card will be different for each applicant category. Likewise, the specific cards (and card issuers) that are willing to issue cards to each category will vary as well.
Of course, applicants who are local residents, have a local tax identification number (SSN or ITIN), and have an established credit history will be able to choose from most of the available cards on the market.
Note: Before applying, it’s important to review the purchase APR the credit card issuers charge when holding a balance on the card. This way, you can determine whether or not it is a suitable option for you.
How to Get Approved For a Credit Card?
To get approved for a credit card, applicants will need to complete an application in person or online. This will then be followed by providing supporting documentation and income proof. The application is then submitted for review where the applicant’s documentation, credit history, and other financial information is reviewed to determine eligibility.
How Long Does a Credit Card Application Take to Be Approved?
A credit card application can take seven to ten days to be approved. That said, this approval timeframe is based on normal conditions and a straightforward application from a local resident with an acceptable credit score. For individuals with lower credit scores or who are foreign non-residents, the application process can be much slower.
Frequently Asked Questions
Below are a few of the most common questions we receive from people looking into this topic. If you have further questions you would like to ask our team, don’t hesitate to get in touch.
Can I Get a Credit Card In One Day?
Yes, it is possible to get credit card approval in one day. However, it’s important to note that in most cases the physical card will not arrive to you until five to seven business days after the approval is issued.
How Quickly Can I Get a Credit Card?
It is possible to get a credit card approval within the same day that the application is submitted, However, in most cases, an application is approved within one week of submission. After an application approval is received, the physical card will then be sent to the cardholder.
Can You Use a Credit Card Before It Arrives?
Yes, you can use a credit card before it arrives if the credit card issuer has provided you with the card number and you are able to activate the card online. However, this is not an option that is available to all card issuers.
Do You Want Help Opening a US Bank Account?
If so, you can get access to GlobalBanks USA (our dedicated US account opening service) in just a few clicks.
GlobalBanks USA is a 100% personal account opening solution. It provides direct access to our team of US banking experts.
When you join, you receive…
+ Expert suggestions on where to open US bank accounts.
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+ Plus, detailed guides to maximizing the value you get from your new US bank account.
And “yes!” GlobalBanks USA helps foreigners and non-resident individuals open accounts.
In fact, GlobalBanks USA even helps non-resident US LLCs and foreign & offshore entities.
Use the link in our menu above to learn more about GlobalBanks USA. Or, contact us directly with any questions!