None of my chase cards (personal and business) required an activation for years now. Answer from Putrid_Prior_280 on reddit.com
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Chase
chase.com › education center › credit cards › credit card basics
What Happens if You Don’t Activate Your Credit Card | Chase
Waiting too long to activate your credit card may impact you financially. Learn what can happen if you do not activate your card after receiving it.
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Reddit
reddit.com › r/creditcards › didn't have to activate chase credit card?
r/CreditCards on Reddit: Didn't have to activate chase credit card?
October 27, 2023 -

I made a checking account with Chase, card was immediately active but showed up with an activation sticker. Now 2 days ago I signed up and got approved for their freedom unlimited credit card and immediately, the card was "ready to use". I haven't got it yet so I don't know if it has a sticker like the debit card.

But anyways, I'm just wondering why they are immediately active without me having to do anything?

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Reddit
reddit.com › r/chase › chase amazon visa credit card — no need to activate to use??
r/Chase on Reddit: Chase Amazon Visa Credit Card — no need to activate to use??
August 28, 2025 -

I just received my replacement Chase Amazon Visa credit card because I lost the previous one. The letter that came with the card indicated that the card is ready to use and “you no longer need to verify your credit card.”

My question is this: why is verification no longer necessary? Anyone could have just opened my mailbox, stolen this credit card before I get it, and actually use it! Why is Chase no longer requiring verification? That seems bizarre to me. Can anyone provide some insight?

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Reddit
reddit.com › r/creditcards › chase freedom requiring activation for rotating quarterly 5%
r/CreditCards on Reddit: Chase Freedom requiring Activation for rotating quarterly 5%
September 15, 2022 -

I am a bit puzzled as to why Chase requires you to hit the activation button every quarter instead of just automatically implementing quarterly bonus.

My best guess is they want you to "acknowledge" the category within the time frame to avoid misunderstanding/complaints with bonus not properly posting, but not completely sure.

Anyone know why? Just curious.

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Bogleheads.org
bogleheads.org › board index › us investors › personal finance (not investing)
Updated credit card doesn't require activating? - Bogleheads.org
goingup wrote: Sun Jun 08, 2025 8:47 am Yes, I received a new Chase card last week. No activation required. It's hard to understand how that can help the CC companies combat fraud. Made me think of the story of first general credit cards back in the late 50s.
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Reddit
reddit.com › r/creditcards › how long do i have to activate my chase credit card after receiving it?
r/CreditCards on Reddit: How Long Do I Have to Activate My Chase Credit Card After Receiving It?
June 16, 2023 -

Hey everyone,

I recently received my new Chase credit card, but I’m currently traveling and haven’t had the chance to activate it yet. I’m worried about the possibility of my card being canceled if I don’t validate it soon.

Does anyone know how much time I have to activate the card after receiving it? Are there any risks of it getting canceled if I take too long? Any advice on what I can do while traveling to ensure my card remains active would be greatly appreciated. I'm back home within one month

Thanks in advance!

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Reddit
reddit.com › r/creditcards › credit card activation.
r/CreditCards on Reddit: Credit card activation.
June 21, 2021 -

Please excuse me, I haven’t gotten a new credit card in about 3 years.

Just received my CSR and US Bank Reserve today.

I remember back then you’d call the number on the sticker to activate. I see neither of these 2 cards have that. It just tells me to download their apps, and in the app I see my cards and credit limits, but I see no option to “activate” cards.

Does that mean it’s already activated? Is that how it is now? No more phone calls needed?

I just wanna make sure they work before I actually try using them. Thanks.

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Reddit
reddit.com › r/chase › i signed up for a new chase account today. how long does it take for the card to be available to use the digital wallet?
r/Chase on Reddit: I signed up for a new Chase account today. How long does it take for the card to be available to use the digital wallet?
July 5, 2023 - I was able to add my card immediately after signing up ( for debit and then credit card ) directly from the app. ... Sometimes it’ll let you do it immediately, sometimes you have to activate the first debit card before it’ll let you.
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Reddit
reddit.com › r/creditcards › should i open an account with chase to get a chase credit card?
r/CreditCards on Reddit: Should I open an account with Chase to get a Chase credit card?
1 week ago -

Hey all, I’m a 21 year old student planning on graduating in the fall. I’ve never had a independent credit card before, I always just preferred the convenience of knowing how much you can spend with a debit card. As of now, I have 2 (kinda 3) bank accounts. My primary bank is with a local credit union in my area. My secondary bank is a BofA bank account I co-own with my roommates for the specific purpose of allowing us and our parents to put money into so I can pay our bills. I also have an old account with my hometown credit union but I’m planning on closing that since I never use it.

Now, I am an authorized user on one of my parents Chase cards (they have a few and a very, very good history with Chase), and I use this card a lot while in still college. It has a perfect payment history on it, which makes my Experian FICO score about 710, and my Equifax score is about 704. I applied for a Chase Freedom Rise card back in October, and never heard back from them. Not even mail telling me if I got it or not. Through a lot of holiday hours at my part time job, and well as Christmas cash, I have a good amount of money to open up another bank account, and im thinking about opening one up with Chase. I’ve heard that it noticeably increases the chances of getting the Freedom Rise Card.

Is it worth it to open up another bank account to get the credit card? Or should I look for different student cards instead of a Chase one, since I’m not sure why I got declined on my last application?

ETA: added Equifax FICO score

Top answer
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I think opening cards with Chase in general is good because they have options for general credit building and simple cashback, churning and getting into points and miles, and solid sign-up bonuses. Also, because of their 5/24 rule. This states that if you’ve been approved for 5 or more cards in the last 24 months you’ll automatically be denied for any Chase card, so the sooner you knock out Chase the sooner you don’t need to worry about this rule. While Chase’s freedom cards aren’t mind blowing in terms of earning potential, they’re simple and effective and give you the option to use your points for both cash back and travel. Regarding the Freedom Rise in particular, I think you can skip it and go for a Freedom Flex or Unlimited off the bat given the fact that you have a decent credit history. Maybe go to a Chase in branch and open a checking account because if you do and they tell you you’re pre approved for one of their cards you’ll probably have a better chance of getting approved. That’s what my partner did and it worked like a charm. If you’d rather not go in branch or don’t have the time and you’re not confident about the CFF or CFU, then the Rise is a decent option to start and it gives you the option to upgrade to either of the other Freedom cards if you’re okay with foregoing the sign-up bonus. I hope this helps and if you have any other questions feel free to ask !
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Chase cards are easy to get. You don't need to open a Chase bank account just to get one. In fact, you're probably better off by getting a Chase credit card first and then waiting for Chase to give a special welcome offer to open a bank account. They offered me $900 a few years ago to open a savings and checking account if I put a certain amount of money in them.
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Reddit
reddit.com › r/chase › when delivered a card are there instructions to activate it?
r/Chase on Reddit: When delivered a card are there instructions to activate it?
August 7, 2018 -

I am expecting a delivery card from chase due to my own card being effected by fraud, and now a chase rep said I can get a new one in 2 days and today is the second day. For some reason I can't use my new card I didn't get yet on samsung pay and apparently it says it suspended. So when I get my card through the mail, must I call a rep to open it or? I just don't want to wait in a long call line again

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Reddit
reddit.com › r/chase › cannot activate new chase credit card - additional security check
r/Chase on Reddit: Cannot Activate New Chase Credit Card - Additional security check
July 7, 2024 -

Approved and received new credit card. When trying to create a new account and activate the card, the system does not recognize the card number. Called to try and activate and again, does not recognize the card. Called customer service, verified identity and now they said they need to do a security check and get back to me. What the heck is going on? If they don’t want me to have the CC, why approve me in the first place. Anyone else had this experience?

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Reddit
reddit.com › r/creditcards › do i need to open a chase bank account for the amazon prime rewards visa?
r/CreditCards on Reddit: Do I need to open a Chase bank account for the Amazon Prime rewards visa?
July 31, 2022 -

EDIT: This is resolved! Was finally able to connect with a customer service rep who created the account for me.

I received my Amazon Prime credit card a few weeks ago, and activated it by phone. I am trying to enroll on chase.com so I can make payments for the card, but keep getting the following error message:

Your info is missing, invalid or doesn't match what we have on file.

Every time I call the help number, it asks for my account information, but I don't have a checkings or savings account with Chase since I don't bank with them. Was anyone able to enroll on chase.com with just a credit card #? If so, how?

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Reddit
reddit.com › r/creditcards › chase united cards rideshare benefits activation
r/CreditCards on Reddit: Chase United cards rideshare benefits activation
March 25, 2025 -

The rideshare benefit for Chase United cards is now live. To activate, you must either go to the card benefits section in the Chase app, or call the number on the back of your card (no activation on Chase.com).

I don't use the Chase app, but installed it, only for it ask to upload a pic of my driver's license to log in (could be due to using a VPN). I uninstalled, called, got a rep in about 5 minutes, 2 minutes to activate.

The credit only applies to US purchases according to the rep, and comes as a statement credit. In time we'll see if it can be used for things actual rides on Uber or Lyft.

If you actually plan on keeping a United card with this credit, set a calendar reminder for January 1st, repeating every year, to activate the benefit again. Activation will be required annually, and its surely designed this way with the hope that people will forget to activate it and miss out on the credits ("breakage").

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Quora
quora.com › Can-I-activate-my-Chase-credit-card-by-making-a-purchase
Can I activate my Chase credit card by making a purchase? - Quora
Answer (1 of 3): There are four ways to activate your Chase card. None of them involve making a purchase. 1. Call and use the automated system - Your card will come with a stocker on it that has a phone number on it. If you call from the phone number associated with your account, you can use an ...