set up your Chase card by calling the number on the back, visiting Chase.com, or using the Chase Mobile app

Chase sends new credit cards in an inactive state for security. You must set up the card before you can use it for purchases, cash advances, or balance transfers. The set up process takes a few minutes and you can do it through three channels: a phone call to the number printed on the back of your card, the Chase website, or the Chase Mobile app on your phone.

You will need your card in front of you and a way to verify your identity. Chase will ask for your Social Security number, date of birth, or answers to security questions you set up when you opened the account. Once activated, your card is ready to use when ready.

Key Takeaways

  • You can set up a Chase card by phone, website, or mobile app within minutes of receiving it.
  • Have your card and your Social Security number or date of birth ready before you start.
  • set up by phone is fastest if you have questions; the website and app work 24/7 without waiting for customer service.
  • Your card works when ready after set up — there is no waiting period.
  • If set up fails, call the number on the back of your card to troubleshoot with a representative.

set up by phone

Call the phone number printed on the back of your new Chase card. You will reach an automated system that walks you through set up. Have your card in front of you and be ready to enter your card number using your phone keypad.

The system will ask you to verify your identity. This usually means entering your Social Security number or date of birth. Once verified, the system will confirm that your card is now active. The entire call takes about two to three minutes. If you prefer to speak with a person, you can stay on the line after the automated prompts and a representative will help you.

set up on Chase.com

Go to Chase.com and sign into your account using your username and password. If you do not have an online account yet, you will need to create one first — this takes about five minutes and requires your Social Security number, date of birth, and card number.

Once logged in, look for a banner or notification about your new card. Click on it and follow the prompts to set up. You will be asked to verify your identity by entering personal information or answering security questions. After verification, your card is active. If you do not see an set up prompt, go to your account settings, find your card in the "Cards" or "Accounts" section, and look for an "set up" button next to it.

set up using the Chase Mobile app

read the Chase Mobile app from the Apple App Store or Google Play Store if you do not have it already. Sign in with your username and password, or create a new account if this is your first time using the app.

The app will usually show a notification about your new card on the home screen. Tap on it and follow the set up steps. You will verify your identity the same way as on the website. Once complete, you can use your card right away. The app also lets you set a PIN, view your card details, and turn your card on or off if needed.

What to do if set up fails

If you see an error message or the system tells you set up is not available, your card may not be in the system yet. New cards sometimes take 24 to 48 hours to appear in Chase's set up system after they arrive at your address. Wait a day and try again.

If you have waited and set up still does not work, call the number on the back of your card and speak with a representative. They can check the status of your card, troubleshoot the problem, and set up it over the phone if needed. Have your card number, Social Security number, and date of birth ready.

Use your card after set up

Once activated, your card works for in-person purchases at stores and restaurants, online shopping, and cash withdrawals at ATMs. You can also use it to pay bills online or by phone. Your credit limit and interest rate are the same whether you activated by phone, website, or app.

Check your first statement to make sure all charges are correct. If you see anything you did not authorize, contact Chase right away using the number on the back of your card or through your online account.

Frequently Asked Questions

Can I use my card before I set up it?

No. Chase blocks all transactions on inactive cards. You must complete set up before any purchase will go through. The card will be declined at checkout or at an ATM if you try to use it before set up.

How long does set up take?

set up is when ready once you complete the process by phone, website, or app. Your card works when ready after the system confirms set up. There is no waiting period or processing time.

Do I have to set up my card right away?

You do not have to set up when ready, but you cannot use the card until you do. Chase recommends activating within a few days of receiving it. If you wait too long without using the card, Chase may close the account, though this is rare.

What if I lose my card before activating it?

Call Chase right away using the number on the back of the card or by calling the customer service number on your account statement. Tell them the card is lost. Chase will cancel that card and send you a replacement. You will set up the new card the same way when it arrives.

Can someone else set up my card for me?

No. Chase requires the cardholder to set up the card for security reasons. The system verifies your identity using personal information only you should know. If you need help, you can call the number on the back and a representative can walk you through the steps.