Hello and congratulations on taking the first step toward getting an American Express card! The world of Amex offers a wealth of benefits, from valuable rewards points to exclusive travel perks and top-tier customer service. You're probably excited to start enjoying all these advantages, but you're also wondering: "How long will this all take?"
That's an excellent question, and the answer isn't always a simple number. The timeline from application to holding your new card in your hand can vary based on several factors. This guide will walk you through the entire process, from the moment you hit "submit" to the day your card arrives in the mail, giving you a clear picture of what to expect at each stage.
Step 1: The Application - The First 60 Seconds
Let's start at the very beginning. You've done your research, you've chosen the perfect card for your lifestyle, and you're ready to apply.
Filling out the form: The online application itself is usually quick and straightforward. You'll need to provide personal information such as your name, address, Social Security Number, and income details. Make sure all the information is accurate to avoid any delays.
The Instant Decision: For many applicants, American Express is known for its "instant approval" system. Within 60 seconds of submitting your application, you may receive a conditional approval or a denial. This is the best-case scenario and a great feeling! If you get this instant decision, you've already completed a major part of the journey.
The Pending Decision: If you don't receive an instant decision, your application will go into "pending" status. Don't panic! This is a common occurrence and doesn't necessarily mean you're going to be denied. It simply means that Amex needs a little more time to review your information. This could be due to a number of reasons, like needing to verify your identity, a high volume of applications, or minor discrepancies in your application. You will be notified of the final outcome via email, which can take anywhere from a few days to a week or more. In some cases, it can even take up to 60 days to get a final decision, especially if Amex needs to contact you for additional documentation.
QuickTip: Go back if you lost the thread.
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| How Long To Get American Express Card |
Step 2: The Approval - The Waiting Game for Your New Card
Congratulations, you've been approved! Now the real waiting game begins—waiting for your physical card to arrive.
Standard Shipping: American Express typically sends new cards via standard mail. The official timeline for this is generally 7 to 10 business days. You should receive a notification that your card has been dispatched.
Tracking Your Card: Once your card has been shipped, you'll often receive an email or SMS with a tracking number. This allows you to follow your card's journey and get a better idea of its arrival date. Keep an eye on your inbox for this crucial piece of information!
A Word on Security: For the security of your account, your new card will be mailed in a white envelope with an American Express logo and a specific return address. It's designed to be discreet, so don't mistake it for junk mail and accidentally throw it away!
Step 3: Getting Your Card Even Faster - The Expedited Options
If you're in a hurry to start using your new card, American Express offers a couple of ways to speed up the process.
Tip: Review key points when done.
Instant Card Number: For many cards, particularly those applied for online, you may be offered an Instant Card Number immediately after approval. This is a game-changer! You can use this virtual card number to make online purchases or add it to your digital wallet (like Apple Pay or Google Pay) for in-store purchases before your physical card even arrives.
Important Note: The Instant Card Number may have a different security code (CVV) than the one on your physical card. Be sure to use the correct one for the right card!
Expedited Shipping: While not available for all cards or in every situation, American Express is known for its great customer service and may offer expedited shipping.
High-Tier Cards: Some high-annual-fee cards, such as The Platinum Card® or The Business Platinum Card®, are often automatically shipped with expedited delivery, sometimes arriving in as little as 1 to 2 business days.
Other Cards: For other cards, you may be able to request expedited shipping by calling customer service. Be prepared that this may not always be an option, but it's always worth asking.
Step 4: The Final Step - Activation and Use
Your American Express card has arrived! The final step is to activate it and start using it.
Activation is Key: The card will arrive inactive. You can activate it online through your American Express account or by calling the number on the sticker attached to the card.
Confirming Your Card Online: Once you have your card, you should go online and confirm that you've received it. This is a simple security step to ensure the card is in your possession.
Enjoying the Benefits: With your card activated, you are now ready to start earning rewards, taking advantage of exclusive offers, and enjoying all the perks that come with being an American Express cardmember.
10 FAQ Questions about the American Express Card Timeline
Tip: Read carefully — skimming skips meaning.
How to Check My American Express Application Status? You can check the status of your application online by visiting the Amex application status page and entering your Social Security Number and ZIP code. You can also call the customer service line for personal or business cards.
How to Get My Amex Card Sooner? The best way to get your card sooner is to apply for a card that offers an instant card number after approval. For high-tier cards, expedited shipping is often automatic. For other cards, you can call customer service to ask if expedited shipping is an option.
How Long Does It Take for a Replacement Card to Arrive? A replacement card, for a lost, stolen, or damaged card, typically arrives in 3-7 business days via standard mail. You may be able to request expedited shipping for a fee.
How to Get an Instant Card Number After Approval? The option for an instant card number is usually presented on the approval screen after you submit your application online. It will allow you to access your card details for immediate use.
How to Expedite the Shipping of My Amex Card? To request expedited shipping, you should call American Express customer service immediately after receiving your approval. Be aware that this is not guaranteed and may depend on the card type and your specific circumstances.
QuickTip: Read line by line if it’s complex.
How to Know If My Application is Still Pending? You can check the status of a pending application using the online application tracker. The status will indicate if it is still under review or if a decision has been made.
How Long Does It Take for Amex to Approve a Business Card? The approval process for business cards is similar to personal cards, with many getting instant approval. However, the review process can sometimes take longer, as Amex may need to verify business details and income.
How to Find My Amex Application Reference Number? Your application reference number is typically sent to you via email or SMS shortly after you submit your application. This number is essential for tracking your status.
How to Activate My New American Express Card? You can activate your card by visiting the Amex website and logging into your online account, or by calling the activation number provided on the sticker of your new card.
How Does the "Instant Card Number" Work for In-Store Purchases? Once you have your Instant Card Number, you can add it to your mobile wallet (like Apple Pay, Google Pay, or Samsung Pay). This allows you to use your phone to make contactless payments at any store that accepts these payment methods.
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