Chase launches new option to “spend instantly” after opening a Chase card – Forbes Advisor

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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 has to print a personalized card and mail it to you. What if there was a faster way? Maybe some sort of digital card for a digital wallet.

Turns out the technology is available, and Chase is now using digital wallets to make it easy for new cardholders to start spending on a new card right after opening it. Chase aptly dubs this new feature “Spend Instantly”.

Eligible Chase cardholders can start using a new Chase card right after it’s been approved by adding the new card to a digital wallet, like Apple Pay or Google Pay. However, you will need to have an eligible Chase card and know the process to add it. Let us show you how.

The best Chase credit cards of 2022

Find the best Chase credit card for your needs.

How to Use Chase Spend Instantly

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

Choose the digital wallet you want to use. Chase will display a list of cards that can be added to a digital wallet. Tap the card you want to add. Finally, read and accept all terms and conditions to add the card to your digital wallet.

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

  • Pay Apple
  • Google Pay
  • Pay Samsung

Read more: Go contactless: how to set up and use a mobile wallet

Which Chase Cards Let You Spend Instantly

Most Chase consumer cards can be used immediately upon approval by Chase Spend Instantly. These include Forbes Advisor favorites such as the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Chase Freedom Flex℠, United℠ Explorer Card and IHG® Rewards Club Premier Credit Card.*.

In fact, it’s easier to share Chase cards that aren’t eligible for instant spend:

  • Amazon: Amazon Rewards Signature Visa 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 will need to wait for your physical card to arrive 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 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 perks or just want to start spending on the welcome bonus, it can be frustrating to wait 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 wait, the clock is ticking. Chase welcome bonuses usually award bonus points or miles after spending a certain amount within a set period of time. And that period begins 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 open it. For example, new Chase Sapphire Reserve® cardholders can get approved for a card and then use the $300 annual travel credit to book same-day travel. And, by booking this trip through the Chase Ultimate Rewards portal, you can earn up to 10 points per dollar spent, after the first $300 clears 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 purchases of trips per year. Earn 3 points per dollar on other travel and meals and 1 point per dollar spent on all other purchases.

Even better, purchases will help you earn the 60,000 bonus points after spending $4,000 on purchases within the first 3 months of account opening.

The best Chase credit cards of 2022

Find the best Chase credit card for your needs.


Chase has launched a new 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 through the Chase Mobile app. Then you can instantly start spending on the card to earn the sign up bonus.

Since only a few cards are ineligible for this new option, chances are your next Chase card will be eligible.

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