Will chase bank give me a temporary debit card

Chase is a registered trademark and trading name of J.P. Morgan Europe Limited.

J.P. Morgan Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 124579. Registered in England & Wales with company number 938937. Our registered office is 25 Bank Street, Canary Wharf, London, E14 5JP, United Kingdom.

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Nobody likes to wait. But waiting for a new credit card to arrive in the mail seems inevitable after opening a new credit card. After all, the bank needs to print a personalized card and mail it to you. But what if there was a quicker way? Maybe some sort of digital card for a digital wallet.

It turns out that technology is available, and Chase is using digital wallets to make it easy for new cardholders to start spending on a new card right after you open it. Chase has aptly dubbed this feature “Spend Instantly.”

Eligible Chase cardholders can start using a new Chase card just after being approved by adding the new card to a digital wallet—such as Apple Pay or Google Pay. However, you’ll need to have an eligible Chase card and know the process to add it. Let’s show you how.

Featured Partner Offer

Chase Freedom Flex℠

Up to 5X Reward Rate

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More

Regular APR

17.99% - 26.74% Variable

Credit Score

Excellent, Good (700 - 749)

Editorial Review

This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.

Pros & Cons

  • No annual fee
  • Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
  • Travel rewards rate rivals some of the best premium travel cards
  • Generous rewards rate in several other categories

  • Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back

Card Details

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% – 26.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

How to Use Chase Spend Instantly

To use Chase Spend Instantly, you’ll need to start in the Chase Mobile app (Android, Apple). Log into your Chase account and select the card you want to add to a mobile wallet. Scroll down to Account Services and click the Digital Wallets link.

Will chase bank give me a temporary debit card

Choose which digital wallet you want to use. Chase will display a list of cards that are eligible to add to a digital wallet. Tap on the card you want to add. Finally, read and accept any terms and conditions to add the card to your digital wallet.

Currently, Chase cards can be added to three digital wallets:

  • Apple Pay
  • Google Pay
  • Samsung Pay

Read More: Going Touch-Free: How To Set-Up and Use a Mobile Wallet

Which Chase Cards Let You Spend Instantly

Most Chase consumer cards can be used right after approval through Chase Spend Instantly. These include Forbes Advisor favorites such as the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, United℠ Explorer Card and IHG® Rewards Premier Credit Card*.

In fact, it’s easiest to just share which Chase cards aren’t eligible for Spend Instantly:

  • Amazon: Amazon Rewards Visa Signature Card*, Amazon Prime Rewards Visa Signature Card*
  • Disney: Disney® Visa® Card*, Disney® Premier Visa® Card*
  • Business credit cards

You can still add these ineligible cards to a digital wallet. However, you’ll need to wait until your physical card arrives in the mail before you can do so.

Read more: The Best Chase Credit Cards

Benefits of Chase Spend Instantly

Chase Spend Instantly solves a problem that most credit cardholders are all too familiar with: waiting for a new credit card to arrive in the mail.

Whether you’re excited to use new benefits or just want to start spending toward the welcome bonus, it can be frustrating to wait for up to two weeks for your new Chase card to arrive. New Chase cardholders can request expedited processing, but it will still take a few days for your new Chase card to arrive in the mail.

While you’re waiting, the clock is ticking. Chase welcome bonuses typically award bonus points or miles after you spend a certain amount in a defined time period. And that time period starts the day you open your card—regardless of how long it takes for your card to arrive in the mail.

By adding your new Chase card to a digital wallet, you can start using that card the day you opened it. For example, new Chase Sapphire Reserve® cardholders can get approved for a card and then utilize the $300 Annual Travel Credit to book a trip that same day. And, by booking that trip through the Chase Ultimate Rewards® portal, you can earn up to 10 points per dollar spent—after the first $300 is wiped out by the travel credit.The card earns 5 points per dollar on air travel and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.

Will chase bank give me a temporary debit card

Best of all, purchases will help you work toward earning the 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening .

The Best Chase Credit Cards Of 2022

Find the best Chase credit card for your needs.

Bottom Line

Chase has an option to “Spend Instantly” on newly approved Chase cards. To set this up, you’ll need to add your new card to a digital wallet via the Chase Mobile app. Then you can instantly start spending on the card to work your way toward earning the sign-up bonus.

Since only a few cards are ineligible for this option, the odds are good that your next Chase card is eligible.

Can you get a debit card the same day at Chase?

As for debit cards, Chase no longer offers instant issue cards and it typically takes 3- 5 business days for them to arrive. However, there are a few major banks and credit unions that do. Navy Federal, PNC, and others will print your debit card in the branch the day you sign up for an account.

Can you get a temporary card through Chase?

No, Chase does not give temporary credit cards. But you can still use your credit card before it arrives with the “Spend Instantly” feature. This option allows you to add your card to a digital wallet right away. Some co-branded credit cards are not eligible.

Can you get a new Chase card same day?

Chase does offer a rush delivery that takes two to three days, but that speed could cost you an extra $5. If you want to switch to a bank that offers instant replacement services, both TD Bank and PNC will replace your debit card at branch locations. Editor's Note: This article originally appeared on Consumerist.

How can I get a new Chase debit card fast?

It's easy to replace a lost or damaged debit card in the Chase Mobile® app. Here's how: After signing in, tap the account for the card you want to replace. Scroll to find "Replace a lost or damaged card"