How To Activate Your Chase Credit Card (Online and by Telephone)

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Congratulations, you just got a brand new Chase credit card and you’re excited to get started using it. The very first thing you’ll want to do after receiving your card is to verify its receipt and to activate it. This can be done in 1 simple step either by phone or online.

In this post, we’ll show you how to activate your Chase credit card and we’ll offer some tips on the next steps you’ll want to take to get the most value from your new card.

How To Activate Your Chase Credit Card

Once your credit card application is approved, you should receive the physical card by mail within 7 to 10 business days. When you get your card, you’ll need to verify that you received it, which, in turn, activates the card. You can verify receipt and activate your card quickly and easily by telephone or online.

To activate your Chase credit card by phone, call the number that’s on the sticker on your new card. Alternatively, you can call Chase customer service at 800-432-3117.

To activate your Chase credit card online, click here. This URL should also be listed on the sticker that’s on your new card.

Veryify Chase Credit Card online
You can easily verify receipt of your Chase credit card and activate it online. Image Credit: Chase

Be sure to read the credit card agreement that comes with your new card so that you’re up to date on things like your card’s perks, rewards, and interest rates. There will also be information to help you set up an online account if you don’t have one already.

You’ll be able to start using your new card immediately after verifying receipt and activating it.

What Happens if You Don’t Activate Your Credit Card?

If you don’t activate your new card, your account is still open. While this isn’t necessarily a problem, the credit limit that you were approved for will still be considered when calculating your credit score. In addition, the hard pull for the credit card will still be on your credit report. These have the potential to negatively affect your credit score.

It’s always a good idea to check your credit score and know how it works before opening up additional lines of credit. As a Chase customer, you’ll have access to Chase Credit Journey, a free service that lets you keep track of your credit score.

In addition, if your credit card has an annual fee, you will still be charged that fee regardless of whether or not you activate the card.

What To Do After Activating Your Chase Credit Card

Activating your new credit card is the first thing you’ll want to do once you receive it in the mail, but don’t stop there. There are a few other things you’ll want to do once you receive your new card.

First, make sure you understand the welcome bonus and how to earn it. There are lots of ways to meet minimum spending requirements to ensure you earn your bonus.

Next, make sure you know all of the benefits and perks offered on your new card. We love making things easy for you, so we’ve created these guides for some of the most popular Chase credit cards so you can quickly see the benefits your new card offers:

Finally, don’t forget to check your Chase Offers. These are deals that you can quickly and easily add to your Chase credit card that give you additional discounts at some of your favorite stores.

Bottom Line: To activate your Chase credit card, call the number on the sticker on your card (or 800-432-3117) or you can activate your card online.

How To Activate a Chase Debit/ATM Card

There are 2 easy ways to activate your new Chase debit/ATM card:

  1. Call Chase at 800-290-3935
  2. Complete a transaction at a Chase ATM location using your PIN number

Final Thoughts

Activating your new Chase credit card is the first step towards getting tons of value from your new card. After verifying that you received the card and activating it, you’ll also want to learn about your card’s welcome bonus as well as all of the benefits and perks that are available. Doing this ensures you’ll get great value from your new Chase credit card.


The information regarding the Chase Freedom Flex℠ Credit Card and Chase Freedom Unlimited® card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


Frequently asked questions

How do I activate my new Chase credit card?

You can easily activate your new Chase credit card in 2 ways — either online or by phone. You can either call the number on the sticker on your new card or activate it online.

Do I need to activate my new Chase credit card?

Yes, you need to verify that you received your card and activate it as soon as you get it. You can do this either by telephone or online. If you don’t activate your card, your account is still considered open and you will still be charged an annual fee if your card has one.

What number do I call to activate my Chase card?

To activate your Chase credit card, call the number on the sticker on your new card or call Chase customer service at 800-432-3117.

How do I activate my Chase debit card?

To activate your new Chase debit/ATM card, you can call Chase at 800-290-3935 or use your card to complete a transaction at any Chase ATM using your PIN.

Katie Seemann

About Katie Seemann

Katie is an Ohio native who caught the travel bug after spending a semester in college in Nottingham, England. In addition to exploring England, she visited Ireland, Scotland and the Netherlands during that time and loved every minute of it (everything except the hostel in Scotland – that’s an experience she doesn’t intend on repeating!) In 2015, Katie discovered the world of points and miles, and since then she’s earned countless points and has an embarrassingly large number of credit cards in her wallet (which she needs a spreadsheet to keep track of!)

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