The speed of getting a credit card varies, but approval can be as fast as 60 seconds after submitting an online application if the credit score and income meet the issuer's criteria. Once approved, physical cards typically arrive by mail within 7 to 10 business days, although expedited shipping may be available for faster delivery. Additionally, some issuers provide instant-use virtual card numbers that allow immediate online purchases before the physical card arrives.

How Fast Approval Can Be

• Approval can be nearly instant—around 60 seconds—if all the applicant's information meets the issuer's requirements.
• If the issuer requires more documentation or review, approval may take days or up to 30 days legally.

Receiving the Card

• Physical cards usually take about 7 to 10 business days to arrive by mail.
• Some issuers offer expedited shipping, which can reduce wait times for an extra fee or sometimes for free.

Faster Access to Credit

• Many issuers offer instant-use virtual card numbers or digital cards that can be used for online purchases immediately after approval.
• Instant approval credit cards notify applicants of approval within seconds, but physical card shipment still takes time.

In summary, a credit card can be approved within a minute online, but receiving the physical card generally takes about one to two weeks unless faster shipping or virtual card options are used.