Which Credit Card Issuers Offer Expedited Shipping?

If you’ve ever had a credit card stolen or misplaced one, you’ll know that sometimes it can take up to 10 business days for a replacement card to arrive. What’s worse is when you need to meet a minimum spend requirement on a new card and it takes an age to arrive, eating into the time you have allocated to hit that spending requirement.

Thankfully some banks allow you to receive your card by expedited shipping. In this article, we will look at what banks offer this, the cost if any and how to request your card be expedited.

This information will be different if this is your first card with this particular credit card provider.

When you first sign up with a new credit card issuer they are required to send you a copy of their lending agreement. Because this can be quite bulky, the issuers will send it by snail mail and as such your card cannot be expedited.

  • Alliant. Only allows expedited shipping on replace cards for a fee. New cards cannot be expedited.
  • American Express: American Express will expedite all lost/stolen cards if you ask. For new cards, it seems to depend on the card you apply for. A lot of the premium cards (e.g Platinum Card® from American Express) will be automatically expedited and you’ll receive them within 2 days. For other cards, you’ll need to request your card be expedited – the answer people receive seems to vary from customer service representative to representative so if you don’t get an answer you’re looking for try hanging up and trying again. Call their main customer service line on 1-800-528-4800 to inquire. Also adding yourself as an authorized user/employee might work as well.
  • Bank of America: If you have a valid reason (e.g you’re leaving the country and need the card before you leave) they will waive their fee and overnight your card. Use their contact us page to find the relevant contact number.
  • Barclaycard: They can overnight cards but it comes with a cost of $15. Customer service representatives have the ability to get this waived though.
  • BBVA: They can expedite your shipping, but they will charge a $50 fee, unsure if it’s possible to get this fee waived or not.
  • Capital One: They don’t offer expedited shipping on new accounts unfortunately. It’s possible to get 1-2 day shipping on replacement cards but you’ll have to kick up a fuss and possibly even a fee to get them to do it.
  • Chase: You can get any card expedited with Chase for free (1-2 day shipping). All you need to do is ask, you can either do this by sending a secured message or by calling 1-800-432-3117 (their general credit card customer service line)
  • Citi: They will only expedite cards that have been lost or stolen. They will not expedite new cards. Call 1-800-756-7047 to speak to a representative. Update: reader Shan was able to request expedited shipping on a new card.
  • Discover: They expedite new cards automatically, they will also do this for all lost or stolen cards. There is no additional charge.
  • NFCU: Allows expedited shipping (at least on the Flagship rewards card) but they charge a fee of $12.99.
  • Santander: Charge a fee of $35 to expedite card shipping and $35 to expedite PIN number shipping.
  • USAA. Charge a fee of $8 to expedite, otherwise card will arrive in 8-10 days. Keep in mind they will give you an instant credit card number, but this only has a credit limit of $1,000.
  • U.S. Bank. They seem to do expedited two day shipping for their new Altitude Reserve card. Also available on other cards, might come with a $10 fee.
  • Wells Fargo. They will expedite but they charge a $16 rush delivery fee. Not possible on business cards: 1,

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Bobby
Bobby

Called various Citi customer service lines– told repeatedly that they can’t expedite a new card… BUT there is a workaround.
Eventually it was disclosed that they technically “can” expedite once the account is actually opened (when card number is assigned; usually 1 or 2 days after application), but by then the new card is almost always in “to be shipped” status and they aren’t able to change the shipping method.
However, calling 1800-842-6596 you can let them know that you will be going out of town very soon (before new card is slated to be delivered) and you are worried about safety of it sitting in the mailbox for an extended time.
They can then cancel the original card number, assign a replacement and expedite it via FedEx. This will get you the card in 3-4 business days as opposed to 10 business days.
Be polite and walk the customer service rep through it, as they may not have done this before. If you are nice, they may waive the $6 expedite fee.

stammers95
stammers95

FYI, this workaround has worked for me multiple times at various credit card issuers. I usually wait till the the account has been opened with a assigned card number then call in customer service and claim the card has been lost and would like a new card number to be issued and expedited due to a near future purchase. Some card issuers would claim there is a cost to the expedite shipping method but ive always been able to get customer service to credit it back after 1st statement has been issued.

Jack

1-800-528-4800 is not Amex ‘s main customer service phone number. It’s their fraud department phone number
https://www.americanexpress.com/us/customer-service/faq.fraud.html
They also barely speak English

Jon
Jon

FYI, I applied for two US Bank business cards (Leverage and Triple Cash. The Leverage was offered when opening a business banking account with them). Called them this morning to get them expedited on two separate calls.

The first service rep said I could get the Leverage expedited (2 days) and didn’t mention a fee.

The second service rep said I could get the Triple Cash expedited (2 days) for a $10 fee.

William Charles

jpv
jpv

Approved for US Bank Business Leverage card, was able to rush for $10 for a new card.

marauder
marauder

SoFi rep said they cannot expedite new credit cards.

newguy
newguy

Does anyone has first hand experience going with their text-to-apply option for instant credit card number for US bank credit card? I want to do it for US bank Altitude connect card.

JP
JP

Discover said they don’t expedite card. HUCA? or do they really don’t?

Guillaume
Guillaume

Applied and was approved for Wyndham Rewards Earner Business- managed to get the card expedited (had to call Wyndham Business Card Customer Service Phone Number- 866-757-3648). Applied on 08/09- received it on 08/11

Guillaume
Guillaume

Told them I had a business trip coming. My card was already in the mail (7-10 business days), but the CSR managed to send me another card expedited.

vc
vc

+1 for AMEX lost card being expedited.

Troy
Troy

Barclays says only personal cards can be expedited, not business. Tried twice with an instantly-approved Wyndham Business Earner card today. First was a CSR who put me on hold and checked, and said no. Called again to talk to the reps who do phone apps, she put me on hold and also verified there’s no option for business cards only personal.