How Long Does It Take to Get a Credit Card in Canada?

Getting a credit card is a big step for anyone living in Canada. It lets you buy items now and pay later, helps you build a credit history, and gives you a safety net for emergencies. If you’re new to the country or applying for the first time, the most common question is: how long does it take to get a credit card?

The answer depends on how you apply, how strong your credit file is, and the type of card you choose. This article breaks down each stage of the process, explains where delays can happen, and offers tips to keep things moving smoothly. By the end, you’ll know exactly what to expect, from the moment you click “Submit” to the day you swipe your new card.

The Short Answer

For most Canadians, the whole process takes 7 to 14 business days after the issuer approves the application. Some applicants can get an instant approval when they apply and can start using a digital version of their card the very same day. Others may need a few extra days if the bank asks for extra documents or if you live in a remote area.

Step by Step Process to Get a Credit Card 

Step 1: Apply for a Credit Card

1. Choose a card: Look for a card that matches your spending habits and credit profile. If you’re not sure which credit card to choose, start with Finlywealth’s credit card comparison tool.
2. Pick a method: The fastest way to apply is often online via your issuer’s website. You can also apply in person at a branch or over the phone if you prefer.
3. Provide the basics: You’ll be asked for:
4. • Your legal name and current address
   • Employment status and monthly income/household Income
   • Consent for a credit check
   • Date of birth
   • Social insurance number (optional)

Make sure the information matches what’s on your government ID, SIN and recent pay stub.

Step 2: Credit Check and Application Review

After you submit your application, the issuer pulls your credit report. This report shows how you’ve handled past loans, credit cards, and any unpaid balances. 

How long this step takes:

• Instant decision – Some banks or card issuers use automated systems that give a “yes” or “no” in seconds.
• Manual review – If the system flags an issue, such as a limited credit history or a mismatch in your application details, a real person will review your application. This process usually takes 1 to 5 business days.

If you have a steady income and a strong Canadian credit profile, such as a good credit score and no missed payments, you’ll likely receive an instant or near-instant decision. Newcomers and those rebuilding their credit may instead go through a short manual review.

Step 3: Approval, Pending, or Declined

You will receive one of three outcomes:

Read More: Boost Your Credit Score

Step 4: Card Production and Mailing

Once approved, the bank prints your card and sends it to the address you provided. Delivery times vary by location:

• Large cities (e.g., Toronto, Vancouver) – 5‑7 business days after mailing.
• Smaller towns or rural areas – 7‑14 business days.

Some issuers offer express shipping for a fee, but the standard service is free.

Step 5: Activating Your Credit Card

When the envelope arrives, you must activate the card before you can use it. Activation is instant and can be done in three ways:

1. Online: Log into your banking portal and follow the activation link.
2. Mobile app: Most banks have a button in the app to activate the card.
3. Phone: Call the toll‑free number printed on the card sticker.

After activation, you’re ready to shop, pay bills, or add the card to a digital wallet.

Total Timeline: What Most Canadians Experience

Overall, most people receive and activate their card within one to two weeks.

What Can Slow Down Getting a Credit Card?

If any of these apply, double‑check your application for accuracy and respond quickly to any follow‑up requests.

Faster Options for Some Applicants

• Existing Bank Customers: If you already have a chequing or savings account with the issuer, they already know who you are. Approval can be instant and the card may arrive faster.
• Digital Wallet Access: Some banks let you add a “virtual” card to Apple Pay, Google Pay, or their own app as soon as you get approval. This lets you start spending right away, even before the plastic shows up.

Credit Cards for Newcomers and First‑Time Users

New Canadians often worry that they can’t get a card quickly. Many big banks and credit unions have newcomer credit cards that require little or no Canadian credit history. These cards usually have lower limits and fewer rewards, but the approval timeline is the same as any other card, with 7‑14 business days delivery after approval.

If you’re new to Canada, read FinlyWealth’s guide on the top credit cards for building your credit profile.

Why Getting a Credit Card Matters

A credit card does more than let you buy things now and pay later. It helps you:

• Build a Canadian credit history: Timely payments show lenders you’re reliable.
• Pay bills and shop online safely: Cards often have fraud protection.
• Track your spending: Monthly statements list every purchase. Learn the basics in Finlywealth’s guide on How to Understand Your Credit Card Statement?
• Manage emergencies: A card can cover unexpected costs while you arrange other funds.

Understanding interest is also key. Finlywealth explains How Credit Card Interest Works in Canada so you can avoid surprise charges.

Tips to Get Your Credit Card Faster

1. Apply online: It’s the quickest route.
2. Double‑check all personal details: Make sure your name, address, and income match official documents.
3. Respond promptly to any document requests: A missing pay stub can add days.
4. Use a reliable mailing address: If you move, update your address right away.
5. Pick a card that matches your credit profile: A starter card is easier to approve than a premium rewards card.

Final Thoughts

So, how long does it take to get a credit card in Canada? For most people, the whole process, from application to to activation, takes about one to two weeks. Knowing each step helps you avoid common pitfalls, keep your paperwork in order, and plan your finances with confidence.

Whether this is your first card or an addition to an existing wallet, understanding the timeline puts you in control of your financial journey. Welcome to Canadian credit, your new card is just a few clicks and a short wait away!