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How Long Do Capital One Credit Cards Take To Arrive?

Have you been camping near your front door since Capital One notified you that your card will arrive soon? If you’ve been waiting for your card to build credit, pay loans, or make large purchases, this article will help you find out how long do Capital One credit cards take to arrive. 

How Long Do Capital One Credit Cards Take To Arrive?

Capital One credit cards take 7 to 10 business days to arrive after approval. Customers may experience variations in delivery times due to location or postal delays. Also, it depends on which Capital One office your card is being shipped from.

Credit card and application form on wooden table

You can call the bank’s customer service helpline to inquire about your card’s delivery status if it gets delayed more than ten days. For those needing cards sooner, Capital One also offers expedited shipping. 

Factors Influencing Delivery Time

The delivery time for a Capital One credit card is affected by several factors. Listed below are some plausible reasons why your card is taking longer than expected to arrive.

Application Verification

Capital One needs to verify your personal details, income, and credit history. If the provided information is accurate and you have a strong credit profile, the process tends to be faster. 

Some cards have a specific set of requirements that the applicants must meet. The issuers can take more time to make sure you qualify. 

Additionally, some applications may have incomplete or outdated information. The card company might ask you for more documentation to gain proof of qualification.

Postal Service Variations

Once approved, your card is in the hands of the postal service. Capital One usually dispatches its cards via standard mail. It can take more or less days, depending on location and postal service efficiency. 

Urban areas may experience faster delivery than rural regions. National holidays and weekends can also cause delays. Your card could also get delayed due to inaccurate address details.

Reasons Why Your Card Has Not Been Delivered Yet

  • Incorrect address: If the address provided during the application is inaccurate or incomplete, the card might not reach you.
  • Processing delays: Sometimes, processing the application can take longer due to high demand or internal review processes. This might delay the issuance of the card.
  • Mailing delays: External factors such as postal service delays, holidays, or other disruptions can cause the card to arrive later than expected.
  • Verification issues: If there are issues with identity verification or if additional documentation is needed, the delivery could be delayed.
  • Lost in transit: Although rare, there is a possibility that the card could be lost or misplaced during transit by the postal service.
  • Hold for pickup: In some cases, the card might be held at the post office for security reasons, requiring the recipient to pick it up in person.
  • Fraud prevention: If there are any flags for potential fraud, the delivery might be paused until further verification is completed.
  • Production delays: Delays in the production of the physical card itself can also contribute to longer waiting times.
  • Custom scheduling: Some individuals might have scheduled a later delivery date, intentionally setting a specific date for the card to arrive.
A woman sitting on a couch holding a credit card with her laptop filling up a form

How to Speed Up the Card Delivery Process

You can speed up the delivery of a Capital One card through strategies like pre-approval, instant approval, and expedited shipping. Each method offers different advantages depending on your situation and needs.


Pre-approval can reduce the waiting time for a new card by several days. After submitting pre-approval forms, you receive an initial assessment of your eligibility. Remember that it does not affect the credit score. Upon pre-approval, the subsequent steps in the application process are smoother and quicker. 

Receiving a pre-approved offer often means that you are a good match for the card’s criteria. Most importantly, you might avoid a comprehensive review, which speeds up the entire procedure.

Instant Approval

Instant approval occurs when an applicant receives an immediate decision on their card application after submitting it online. Many Capital One cards offer this feature, especially to consumers with strong credit histories.

To use this service, you should make sure that your personal and financial information is accurate and up-to-date. Providing correct details can prevent delays caused by verification processes. 

Documentation may still be necessary. However, immediate preliminary approval can shorten the waiting period, allowing you to move quickly to the shipping phase.

Expedited Shipping

Expedited shipping is a direct way to speed up the arrival of your card. Once you receive the approval notice, you can request this service for an additional fee. Expedited shipping generally reduces the delivery time to 1-2 business days, compared to the standard 7-10 days.

You can contact Capital One’s customer service to request expedited shipping. While this option may cost extra, it is beneficial if you need your card urgently.

A smartphone and credit cards on a pink background

Related Questions

Can I Track My Capital One Credit Card in the Mail?

No, you cannot track your Capital One card in the mail. After approval, the bank usually provides an estimated delivery date. You should allow 7-10 business days for your card to arrive, and check your mail regularly.

Can I Use a Capital One Credit Card Before It Arrives?

Yes, you might be able to use a Capital One card before it arrives in the mail. After approval, some card accounts give you immediate access to a temporary virtual card number. It can be used for online purchases and included in a digital wallet for contactless payments.

What’s the Difference Between Instant Use and Instant-Approval Credit Cards?

Instant-approval credit cards provide a quick decision on an application. The approval process is expedited, and you can know the results in minutes. On the other hand, instant-use cards allow you to use your accounts immediately. You can get temporary virtual card numbers for online transactions right after approval.


Capital One cards take 7-10 business days to arrive. However, they may be delayed due to incomplete applications, extra verification, or postal delays. You can speed up the delivery process by requesting expedited shipping or getting a pre- or instant approval.