You're eager to get your hands on an American Express Card, aren't you? That's fantastic! Amex cards offer a world of benefits, from exclusive rewards programs to exceptional customer service. But before you start dreaming of those travel perks or cashback rewards, you're probably wondering: how long does it actually take to get one?
The truth is, there isn't a single, definitive answer. The timeline can vary depending on several factors, from the specific card you apply for to how quickly American Express can verify your information. However, we can break down the process step-by-step to give you a clear idea of what to expect.
Let's dive in!
The Journey to Your American Express Card: A Step-by-Step Guide
Getting an American Express card is a multi-stage process. Understanding each phase will help manage your expectations and ensure a smooth experience.
Step 1: The Application - Your First Move!
This is where your American Express journey begins. And guess what? You're already here, thinking about it! The application itself is surprisingly quick, especially when done online.
Sub-heading: Online Application vs. Other Methods
Online Application (Recommended): This is by far the fastest and most efficient way to apply. You can typically complete the application form in under 10 minutes if you have all your information handy. This includes personal details, income, employment information, and social security number (for US applicants).
Phone Application: You can also apply over the phone. While still relatively quick, it might take a bit longer than online as you'll be speaking with a representative.
Mail Application: This is the slowest method and generally not recommended if you're looking for a quick turnaround.
Sub-heading: Instant Decisions (Sometimes!)
One of the best things about applying online for an American Express card is the possibility of an instant decision. Many applicants receive an approval or denial within 60 seconds of submitting their application. This is particularly common if you have a strong credit history and all your information is readily verifiable.
What happens with an instant approval? If you're instantly approved, some Amex cards even provide you with a virtual card number immediately, allowing you to start making online purchases before your physical card arrives!
Step 2: The Review Process - When It's Not Instant
Sometimes, your application won't receive an instant decision. Instead, it might go into a "pending" or "under review" status. Don't panic! This is a normal part of the process and doesn't necessarily mean your application will be denied.
Sub-heading: Why Applications Go to "Pending"
Several reasons can lead to a pending application:
Further Verification Needed: Amex might need to double-check some of your information, such as your income or identity. This often involves a human underwriter reviewing your application.
High Volume of Applications: During peak periods, the volume of applications can lead to slight delays in processing.
Discrepancies in Information: If there are any inconsistencies between the information you provided and what's in your credit report or other records, Amex may need to investigate further.
Credit History Complexity: If your credit history is extensive or has recent significant changes, it might require a more in-depth review.
Sub-heading: The Timeline for Pending Applications
If your application goes into pending status, you can generally expect a decision within 5 to 10 business days. In some cases, it might take up to 30 days as credit issuers are legally required to provide a decision within this timeframe.
What to do if your application is pending?
Be patient: Avoid reapplying immediately, as this could lead to multiple hard inquiries on your credit report, which can negatively impact your credit score.
Check your email and mail: Amex might send you a request for additional documents or information. Respond promptly to these requests to avoid further delays.
Check your application status online or by phone: American Express usually provides a way to track your application status. We'll cover this in a later step!
Step 3: Approval and Card Issuance - The Green Light!
Congratulations! Once your application is approved, American Express begins the process of issuing your card.
Sub-heading: Card Production
This involves creating your physical card, embossing it with your details, and preparing it for shipment. For premium cards like The Platinum Card® from American Express, this might involve more intricate production processes due to their metal construction.
Step 4: Card Delivery - The Anticipation Builds!
This is the stage where you eagerly await your new American Express card in the mail.
Sub-heading: Standard Delivery Times
For most American Express cards, you can expect to receive your new card within 7 to 10 days after approval. American Express typically mails cards in a plain white envelope with the American Express logo and an Omaha, NE return address for security reasons, so don't mistake it for junk mail!
Premium Card Exceptions: Some premium cards, like The Platinum Card® from American Express and certain Delta co-branded cards, are often shipped faster, sometimes arriving within 2 to 3 days. This expedited shipping is usually complimentary for these higher-tier cards.
Sub-heading: Expedited Shipping Options
If you need your card sooner, American Express often offers complimentary expedited shipping for new card approvals. While you might not be explicitly prompted for it during the online application, it's worth calling American Express customer service shortly after your approval to inquire about this option. They may be able to send your card via express courier, significantly shortening the delivery time.
Sub-heading: What Can Affect Delivery Time?
Weekends and Holidays: Delivery times can be extended if there's a weekend or public holiday within the shipping period.
Geographic Location: While Amex ships nationwide, remote areas might experience slightly longer delivery times.
Unforeseen Delays: Occasionally, postal service issues or other unforeseen circumstances can cause minor delays.
Step 5: Card Activation - Ready, Set, Spend!
Once your American Express card arrives, you're just one step away from using it.
Sub-heading: Activating Your Card
Activating your card is a quick and easy process. You can typically do this through:
The American Express Website: Log in to your online account and follow the prompts to activate your new card.
The Amex App: Download the American Express app and activate your card through the app's interface.
Phone Call: Call the activation number provided with your card or on the back of the card.
Important Note: Activating your card is crucial for security and to start enjoying your card's benefits.
Step 6: Setting Up Your Online Account - Manage Your Rewards!
This step isn't about getting your card, but it's essential for managing it effectively.
Sub-heading: Benefits of an Online Account
Once activated, make sure to set up your online account with American Express. This allows you to:
View your statements and activity
Pay your bill
Enroll in features like account alerts
Manage your Membership Rewards points (if applicable)
Access Amex Offers
By following these steps, you'll be well on your way to enjoying the many benefits of your new American Express Card!
Frequently Asked Questions (FAQs)
Here are 10 common "How to" questions related to getting an American Express card, along with their quick answers:
How to check my American Express application status?
You can typically check your American Express application status online via their application tracker page, by entering your 14-digit application reference number or registered mobile number. You can also call American Express customer care.
How to get my American Express card faster?
For faster delivery, check if you're approved for a premium card (like The Platinum Card), which often has expedited shipping. For other cards, contact Amex customer service after approval to inquire about complimentary expedited shipping.
How to know if I'm pre-qualified for an American Express card?
American Express sometimes offers a "Check if you're Pre-Qualified" tool on their website, which allows you to see if you have any pre-approved offers without a hard inquiry on your credit report.
How to activate my new American Express card?
You can activate your new American Express card online via the Amex website (
How to get an instant approval for an American Express card?
While not guaranteed, having a strong credit score, a good credit history, and ensuring all your application information is accurate and easily verifiable increases your chances of instant approval.
How to get a virtual American Express card number immediately after approval?
Some American Express cards, upon instant approval, may offer immediate access to a virtual card number, which you can use for online purchases before your physical card arrives. This depends on the specific card and Amex's ability to authenticate you.
How to know what documents American Express needs for an application?
During the online application, Amex will typically inform you if any additional documents are required. Generally, they may ask for proof of income, identity, or address if they can't verify your information automatically.
How to contact American Express customer service about my application?
You can find the appropriate customer service number on the American Express website, usually under the "Contact Us" or "Support" sections. Have your application reference number ready.
How to get an American Express card with bad credit?
American Express primarily caters to individuals with good to excellent credit. It is generally very difficult to get an Amex card with bad credit history or a low credit score. Focusing on improving your credit score first is recommended.
How to track the delivery of my American Express card?
Once your card is dispatched, American Express may send you a tracking link via SMS or email. You can also check your online account for shipping updates or contact customer service for tracking information.
