How Long Does Credit Card Approval Take in the US? Complete Timeline Guide (2026)

how long does credit card approval take in the US timeline with applicant waiting for decision

How long does credit card approval take in the US is one of the most common questions applicants ask after submitting an online application. When you apply for a credit card online, that moment of hitting “submit” often comes with a simple question: how long will this actually take? The answer depends on far more than just filling out a form