How to replace a Chase credit card
You can replace a Chase credit card by calling Chase customer service, using the Chase mobile app, or logging into your online account. Chase will send you a replacement card within 7 to 10 business days in most cases. If your card is lost, stolen, or damaged, the process is the same — Chase treats all three as a replacement request.
The fastest route is the Chase mobile app. Open the app, go to your card account, and look for a "Card Services" or "Manage Card" option. You should see a "Replace Card" button. Tap it, confirm the reason (lost, stolen, or damaged), and your new card ships when ready. You'll get a tracking number right away.
If you don't use the app, call the number on the back of your card or call Chase directly at 1-800-935-9935. A representative will confirm your identity, ask why you need a replacement, and process the order over the phone. This takes about 10 minutes.
Key Takeaways
- The Chase mobile app is the fastest way to replace a card — you can request a replacement in under two minutes and get a tracking number when ready.
- A replacement card arrives within 7 to 10 business days; expedited shipping is not usually offered, but you can ask about rush delivery options when you call.
- Your card number, expiration date, and CVV will change on the replacement card, so you'll need to update any recurring payments or subscriptions.
- If your card is stolen, call Chase right away to report fraud and freeze the account; a replacement card will be sent as part of that process.
- You can use your existing card until the replacement arrives unless you reported it lost or stolen, in which case Chase may deactivate it when ready.
Replacing a card through the Chase mobile app
Open the Chase mobile app and sign in with your username and password. Tap the card account you want to replace. Scroll down or look for a menu icon (three horizontal lines) to find "Card Services" or "Manage Card."
Select "Replace Card" or "Order a Replacement Card." Chase will ask you to confirm the reason: lost, stolen, or damaged. Select the reason that applies. You do not need to provide details — Chase processes all three the same way. Confirm your mailing address to make sure the card ships to the right place.
After you submit the request, the app will show you a confirmation screen with a tracking number or reference number. Write this down or take a screenshot. Your replacement card will ship within one business day, and you can track it using the number provided.
Replacing a card by phone or online account
Call the number on the back of your card. A representative will answer and ask you to verify your identity using your Social Security number, date of birth, or recent transaction amounts. This takes about two minutes.
Tell the representative you need to replace your card and why. They will confirm your mailing address, ask if you want the card shipped to a different address, and process the replacement. The card will ship within one to two business days.
You can also log into your Chase online account at chase.com, navigate to your card account, and look for a "Card Services" or "Manage Card" section. Some card types offer an online replacement option; others require a phone call. If you don't see the option online, calling is faster than searching.
What happens to your old card number
Your replacement card will have a new card number, new expiration date, and new CVV (the three-digit security code on the back). Your old card number will stop working as soon as the replacement card is activated, which usually happens when it arrives or when you call to set up it.
Before your new card arrives, make a list of any recurring charges tied to your old card number: subscriptions, gym memberships, insurance payments, utility bills, or loan payments. Once your new card arrives, you'll need to update each one with the new number. Most companies let you do this online in your account settings; others require a phone call.
If you have a large number of recurring payments, update them as soon as your new card arrives rather than waiting. This prevents failed payments and late fees. Chase will not automatically update merchants with your new card number.
Expedited replacement and temporary card options
Chase does not offer expedited card replacement as a standard option. Most cards arrive in 7 to 10 business days. If you need a card sooner, ask the representative when you call whether a rush delivery option is available for your specific card type — some premium cards may have faster shipping.
If you need to make a purchase before your replacement card arrives, you have two options. First, you can use a different card or payment method if you have one. Second, you can ask Chase whether a temporary card number or digital card is available. Some Chase cards offer a digital version through the mobile app that you can use for online purchases when ready while you wait for the physical card.
If your card was stolen or compromised, do not use the old card number for any new purchases. Wait for the replacement card to arrive.
If your card was lost or stolen
Call Chase when ready if your card is lost or stolen. The number is on the back of your card or call 1-800-935-9935. Chase will deactivate your card right away to prevent fraudulent charges. This is separate from ordering a replacement — deactivation happens first, replacement second.
When you call, tell the representative your card is lost or stolen. They will ask you to review recent transactions to spot any fraudulent charges. If you see charges you did not make, report them during the call. Chase will start a fraud investigation and may refund those charges while the investigation is underway.
After the fraud report is filed, ask the representative to order a replacement card. They will do this as part of the same call. Your replacement card will ship within one to two business days, and you'll receive a tracking number.
Damaged card replacement
If your card is physically damaged — cracked, bent, faded, or the magnetic stripe is worn — you can replace it the same way as a lost or stolen card. Call Chase or use the mobile app and select "damaged" as the reason.
Chase will not charge you for a replacement card due to damage. You do not need to return the damaged card; just dispose of it safely by cutting it up or shredding it.
If your card is damaged because of a manufacturing defect (the numbers are faded, the chip doesn't work, or the card arrived damaged), mention this when you call. Chase may expedite the replacement or offer a temporary card number while you wait.
Frequently Asked Questions
How long does it take to get a replacement Chase card?
Most replacement cards arrive within 7 to 10 business days. Some arrive faster, some take longer depending on your location and the card type. You'll receive a tracking number when you order, so you can check the status online.
Do I have to pay for a replacement card?
No. Chase does not charge for replacement cards due to loss, theft, or damage. Replacement is included in your card benefits.
Can I use my old card while I wait for the replacement?
Yes, unless you reported it lost or stolen. If you reported it lost or stolen, Chase deactivates it when ready and you cannot use it. If the card is just damaged, you can keep using it until the replacement arrives.
What if my replacement card doesn't arrive after 10 days?
Call Chase at 1-800-935-9935 or use the tracking number you received to check the status. If the card is lost in the mail, Chase will order another replacement. If there's a delay, ask whether a temporary card number or digital card is available while you wait.
Do I need to set up my replacement card when it arrives?
Most Chase replacement cards set up automatically when they arrive. You may see a prompt in the mobile app or receive a text message asking you to confirm. Some cards require you to call a number on the card to set up it. Follow the instructions that come with your card.