Getting a new American Express card is an exciting step, whether it's your first Amex or an upgrade to unlock new benefits. The anticipation of having that sleek card in your wallet is real! But a common question that pops up is: how long does an American Express card actually take to arrive?
The short answer is generally 7 to 10 business days for standard delivery of a new card after approval. However, this timeframe can vary based on several factors, including the type of card, whether you opt for expedited shipping, and if it's a replacement card. Let's dive into the details to give you a comprehensive understanding of the process.
Step 1: The Application and Approval Process
Before your card can even be shipped, you need to apply and get approved! This initial phase sets the stage for everything that follows.
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| How Long Does An American Express Card Take To Arrive |
Applying for Your American Express Card
So, you've decided which American Express card is right for you – perhaps the travel perks of the Platinum Card, the cash back of the Blue Cash Preferred, or the rewards of the Gold Card. The application itself is usually a straightforward online process. You'll provide personal and financial information, including your income, employment details, and Social Security number.
Instant Decisions vs. Pending Applications
Many applicants receive an instant decision within minutes of submitting their application online. This is the fastest scenario. You'll know immediately if you're approved or denied.
However, sometimes an application goes into "pending" status. This means American Express needs more time to review your information, potentially requiring additional verification or a manual review by an underwriter. This could take anywhere from a few business days to up to 7-10 business days, though issuers are generally required to provide a decision within 30 days. Don't panic if your application is pending; it's a common occurrence and doesn't necessarily mean a denial.
The Magic of the Instant Card Number
One of the most convenient features American Express offers for eligible card members is an Instant Card Number. If you're approved and eligible, you might receive your actual card number immediately after approval. This virtual card number can be used for online purchases or added to your digital wallet (like Apple Pay or Google Pay) to start making purchases even before your physical card arrives in the mail. This means you can begin enjoying your card's benefits almost instantly!
Step 2: Card Production and Standard Delivery Times
Once approved, the clock starts ticking on your card's journey to your mailbox.
Tip: Patience makes reading smoother.
Standard Delivery: The Typical Waiting Period
For most new American Express cards, you can expect to receive your physical card within 7 to 10 business days after approval. This is the most common timeframe for standard shipping.
Premium Cards and Faster Shipping
Interestingly, some premium American Express cards, like The Platinum Card® or Delta SkyMiles® Reserve American Express Card, might arrive even faster – often within 2 to 3 business days. This expedited delivery is typically complimentary for these high-tier cards. American Express understands that those who invest in premium cards expect a premium experience from start to finish.
Replacement Cards: Often Quicker
If you're requesting a replacement for a lost, stolen, or damaged card, American Express tends to ship these out more quickly. You can often expect a replacement card to arrive within 1 to 3 business days, and expedited shipping is frequently offered at no additional cost for replacement cards.
Step 3: Expedited Shipping Options
If you're in a hurry to get your hands on your new Amex, expedited shipping can be a lifesaver.
When is Expedited Shipping Available?
American Express does offer expedited shipping, and often, it's provided at no fee, especially for new card approvals or replacement cards. This is a significant perk compared to some other issuers who might charge a fee for faster delivery.
How to Request Expedited Shipping
Tip: Slow down when you hit important details.
If you're applying for a new card online, there might be an option to select expedited shipping during the application process or immediately after approval. If not, or if you're requesting a replacement, your best bet is to contact American Express customer service directly after your approval. A quick phone call can often get your card sent via express courier, ensuring delivery within 1-3 business days.
What to Expect with Expedited Shipping
With expedited shipping, your card will typically be sent via a service like FedEx or UPS, meaning you'll likely receive a tracking number. This allows you to monitor your card's journey and anticipate its arrival precisely.
Step 4: Tracking Your Card and What to Do If It Doesn't Arrive
Waiting can be tough, especially if you're eager to use your new card. Knowing how to track it and what to do if it's delayed is crucial.
How to Track Your American Express Card
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Online Account: If you have an existing Amex online account, you can often track the delivery status of a replacement card through the "Account Services" or "Card Management" section. For new cards, once your application is approved and the card is shipped, you might find tracking information within your online account or through a link in a welcome email.
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American Express App: The Amex mobile app is a fantastic tool for managing your account, and often, you can find card tracking details there as well.
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Customer Service: If you can't find tracking information online or via the app, don't hesitate to call American Express customer service. They can provide you with the most up-to-date shipping status and a tracking number if one is available.
What If Your Card Doesn't Arrive?
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If the estimated delivery window has passed and your card still hasn't arrived, it's important to contact American Express immediately. Here's what they'll likely do:
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Verify Address: They'll confirm your mailing address to ensure there were no errors.
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Investigate Delivery: They can check the tracking information more thoroughly.
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Issue a Replacement: If the card is lost in transit or shows as delivered but you haven't received it, they will cancel the original card and issue a new one. It's crucial to report a missing card promptly to prevent potential fraud. They can often expedite the delivery of this replacement card at no charge.
Step 5: Activating Your New American Express Card ✅
Once your card finally arrives, the last step before you can start using it is activation.
Methods of Activation
QuickTip: Repetition reinforces learning.
American Express offers several convenient ways to activate your new card:
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Online: This is often the quickest method. You'll typically visit a specific activation page on the American Express website and enter your card details (card number, expiration date, security code).
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American Express App: You can also activate your card directly through the Amex mobile app.
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By Phone: A dedicated activation phone number is usually provided on a sticker on your new card or in the accompanying welcome packet. You'll call and follow the automated prompts to activate your card.
Why Activation is Important
Activating your card is a security measure. It confirms that you have received the card and prevents unauthorized use. Even if you received an Instant Card Number, you'll still need to activate your physical card once it arrives.
Frequently Asked Questions (FAQs)
How to check my American Express card application status?
You can check your American Express card application status online by visiting their application tracker page and providing your registered mobile number or a 14-digit application reference number. You can also call their customer service helpline.
How to get an American Express card faster?
To get an American Express card faster, opt for a premium card like The Platinum Card, which often comes with complimentary expedited shipping (2-3 business days). For other cards, contact customer service after approval to request expedited shipping, which is frequently available at no charge.
How to use my American Express card before it arrives?
If eligible, you can use your American Express card before it arrives by getting an Instant Card Number upon approval. This allows you to make online purchases or add the card to your digital wallet (Apple Pay, Google Pay) immediately.
How to track a replacement American Express card?
Tip: Summarize the post in one sentence.
You can track a replacement American Express card by logging into your online account, going to "Account Services" or "Card Management," and selecting "Replace a Card" to view the delivery status. Alternatively, you can contact customer service.
How to activate my American Express card?
You can activate your American Express card online at
How to report a lost or stolen American Express card?
Immediately report a lost or stolen American Express card by logging into your online account or calling American Express customer service. They will cancel the old card and issue a replacement, often with expedited shipping.
How to find my American Express card's security code (CVV)?
The 4-digit security code (CVV) on an American Express card is typically located on the front of the card, above the card number, unlike Visa or Mastercard where it's usually on the back.
How to update my address for American Express card delivery?
You can update your address with American Express by logging into your online account and navigating to your profile or contact information settings, or by calling customer service directly to ensure your card is sent to the correct address.
How to know if my American Express card was approved instantly?
You will typically receive an on-screen notification immediately after submitting your application if your American Express card was approved instantly. You may also receive a welcome email shortly after.
How to contact American Express customer service about card delivery?
You can contact American Express customer service for card delivery inquiries by calling the number on the back of any existing Amex card, or by finding the general customer service number on the American Express website.
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