The delay between approval and receiving your physical visa card is a top concern for most new cardholders

Card issuance timelines differ dramatically based on whether you’re dealing with a major bank, credit union, or digital-only service

Some providers prioritize speed with premium shipping, while others follow slow, traditional mailing cycles

Major banks like Chase, Bank of America, and Wells Fargo typically issue new visa cards within seven to ten business days after approval

These institutions often prioritize security and verification, which can add time to the process

Even with instant approval, physical card production and mailing can take days to complete

Many of these banks also offer the option to receive your card via expedited shipping for an additional fee, which can reduce delivery time to two to three business days

Local financial cooperatives and regional lenders often require extended processing times

Because they handle fewer cards and often outsource card production, their issuance times can range from ten to fourteen business days

However, some credit unions provide temporary digital card numbers that can be used immediately for online purchases, even before the physical card arrives

Digital-native providers eliminate waiting by issuing virtual cards in seconds

Virtual cards are fully functional for all digital payments the second they’re issued

If you opt for a physical card, expect it in about a week

This model has become increasingly popular among younger consumers who prefer digital convenience over waiting for paper cards

Global providers such as Amex and Capital One adapt timelines to regional mail infrastructure

International customers in less accessible locations should plan for extended wait times

Many users can transact before ever touching the plastic card

Most providers activate your account immediately upon approval, allowing you to use virtual card details or mobile payment apps before the plastic arrives

This feature can make a big difference if you need to make an online purchase or خرید ویزا کارت set up automatic payments

Ultimately, if speed is your top priority, consider providers that offer instant virtual cards and expedited shipping options

Seasonal spikes, system upgrades, or economic events can extend standard wait times

Selecting the right provider means matching your spending habits with your need for speed