When and how to request a replacement card from Chase

Chase will send you a replacement card if yours is lost, stolen, damaged, or approaching expiration. You can request one through the Chase mobile app, the Chase website, or by calling the customer service number on the back of your current card. The replacement usually arrives within 7 to 10 business days, though expedited delivery is sometimes available for an extra fee.

The process is straightforward because Chase already has your account information and address on file. You do not need to reapply or provide new documentation. Your new card will have the same account number and credit limit as the old one, so your credit history and available credit remain unchanged.

Key Takeaways

  • You can request a replacement card through the Chase app, website, or phone without reapplying or providing new information.
  • A standard replacement takes 7 to 10 business days; expedited options may be available for a fee.
  • Your replacement card carries the same account number and credit limit, so your credit profile does not change.
  • If your card was stolen, contact Chase when ready to report fraud and request a rush replacement.
  • You can set a new PIN or keep your existing one when the replacement arrives.

Requesting a replacement through the Chase app or website

Log into your Chase account on the mobile app or at chase.com. Look for the card management section, usually labeled "Cards" or "Manage Your Cards." Select the card you want to replace and look for an option that says "Order a replacement card" or "Request a new card." Chase will ask you to confirm the reason — lost, stolen, damaged, or expiring soon — and your mailing address.

After you submit the request, Chase sends a confirmation to the email address on file. You can track the delivery status in the app or on the website, and most users see the card arrive within the timeframe Chase provides. If you need the card faster, the app or website will show whether expedited shipping is available and what the cost is.

Requesting a replacement by phone

Call the customer service number on the back of your current card. A representative will verify your identity by asking for your Social Security number, date of birth, or other account details. Tell them you need a replacement card and why — lost, stolen, damaged, or expiring. They will confirm your mailing address and ask whether you want standard or expedited delivery.

Phone representatives can sometimes offer rush delivery options that are not visible in the app, so this route is worth trying if you need the card urgently. They will also give you a confirmation number and an expected delivery date before you hang up.

What happens if your card was stolen or used fraudulently

Contact Chase when ready if you believe your card was stolen or used without your permission. You can call the fraud number on the back of your card, or use the app to report fraud. Chase will freeze your current card right away so it cannot be used, and they will send a replacement.

Ask for expedited or rush delivery when you report the fraud. Chase often prioritizes these requests and may send the card within 2 to 3 business days. You are also protected by federal law against unauthorized charges, so fraudulent transactions will be investigated and removed from your account. Keep the confirmation number from your fraud report in case you need to reference it later.

Replacing a card that is damaged or worn

If your card is physically damaged — cracked, bent, faded, or the chip is not working — you can request a replacement the same way you would for a lost card. Use the app, website, or phone to report that the card is damaged. Chase will send a new one at no charge.

While you wait for the replacement, you can still use the card for online purchases if the number is readable, or you can add the card to your mobile wallet (Apple Pay, Google Pay, or Samsung Pay) to make contactless payments. This keeps you from being without payment access while the replacement is in transit.

Understanding your new card's details and settings

Your replacement card will have the same account number as your old card, so you do not need to update automatic payments, subscriptions, or any merchants who have your card on file. The expiration date and CVV (the three-digit security code on the back) will be different, so if you have saved those details anywhere, you will need to update them.

When the card arrives, you may need to set up it by calling a number on the card or using the Chase app. You can also set a new PIN or keep your existing one. If you had a PIN on the old card, that PIN will not automatically transfer, so you will need to create a new one if you use your card at ATMs.

What to do with your old card after the replacement arrives

Once your replacement card arrives and you have activated it, destroy the old card by cutting it in half or shredding it. Do not throw it away intact, because the account number is still visible and could be misused. If the old card was stolen, you do not need to do anything — just dispose of it safely once you confirm the replacement is working.

If you had set up any special features on the old card — like spending limits, card controls, or notifications — check the Chase app to make sure those settings transferred to the new card. Most settings do carry over automatically, but it is worth confirming.

Frequently Asked Questions

How long does it take to get a replacement card from Chase?

Standard delivery takes 7 to 10 business days. Expedited or rush options are sometimes available for a fee and can deliver in 2 to 3 business days. The exact timeframe depends on your location and current processing volume.

Will my credit limit or credit history change when I get a replacement card?

No. Your replacement card has the same account number and credit limit as your old card. Your credit history and payment record remain exactly the same, and there is no impact to your credit score.

Do I need to update my automatic payments when I get a new card?

No. Because your replacement card has the same account number, automatic payments and subscriptions will continue without interruption. You only need to update the expiration date and CVV if you have saved those details separately.

Can I request a replacement card if I still have my old one but want a new one?

Yes. You can request a replacement for any reason, including if you straightforward want a new card. Chase will send it to you, and you can keep or destroy the old one. This is different from a fraud replacement and does not freeze your account.

What if my replacement card does not arrive after 10 business days?

Check the tracking status in the Chase app or on the website. If it shows no movement or you have not received it after the promised date, call Chase customer service. They can investigate the delivery, resend the card, or offer expedited shipping at no charge if there was a delay on their end.