You can order a replacement Chase debit card online, by phone, or at a branch — and a temporary card usually arrives within one to three business days
Chase sends replacement debit cards through the mail, which typically takes five to seven business days for standard delivery. If you need to use a card sooner, you can request a temporary card number through the Chase mobile app or by calling customer service, and that number works when ready for online and phone purchases. If you need physical plastic in your hands faster, visiting a Chase branch in person is your quickest option — some branches can issue a card on the spot, though this varies by location.
The replacement itself is free. You will not pay a fee to order a new card, whether you lost it, it was stolen, or it is straightforward damaged. The only cost is if you choose expedited shipping, which Chase offers for a flat fee (the amount varies, so ask when you order).
Key Takeaways
- Standard replacement cards arrive in five to seven business days at no cost, but you can get a temporary card number the same day through the app or phone.
- Call Chase at the number on your statement or visit a branch if you need to report the card lost or stolen before ordering a replacement.
- Your old card number stops working once you report it missing, so any recurring payments tied to that card will need to be updated.
- If you have a Chase checking account, you can use your account number and routing number for online bill payments while you wait for the new card.
How to order a replacement through the Chase app
Open the Chase mobile app, go to your checking account, and look for the card image at the top. Tap it, then select "Card Services" or "Manage Card." You will see an option to order a replacement card. Choose whether you want standard delivery or expedited shipping, confirm your mailing address, and submit. The app will show you a temporary card number you can use when ready for online purchases.
This method is fastest if you are comfortable with the app and do not need physical plastic right away. The temporary number works for any merchant that accepts Visa online — that includes most websites, phone orders, and subscription services. It does not work at ATMs or in stores that require a physical card.
Ordering by phone or at a branch
Call the number on the back of your Chase statement or your online banking page. A representative will verify your identity, confirm your address, and process the replacement order. They can also tell you whether your local branch has cards in stock for same-day pickup, though this is not may provide at every location.
If you visit a branch in person, bring a government-issued ID. The banker can order a standard replacement or, at some locations, print a card on the spot. Call ahead to ask whether your branch offers when ready card printing — if it does, you can walk out with a working card the same day. If not, you will still get the standard five to seven day timeline.
What happens to your old card number
Once you report your card lost or stolen, Chase deactivates the old number when ready. Any pending transactions that have not yet posted may still go through, but new charges cannot be made. This is why it is important to report a lost card as soon as you notice it is gone — the sooner you report it, the sooner the card stops working and the less risk of fraudulent use.
If your card is straightforward damaged but you still have it, you do not have to report it as lost. You can just order a replacement, and the old card will remain active until the new one arrives. This matters if you have recurring charges (subscriptions, gym memberships, insurance payments) tied to that card number — they will keep working during the transition.
Updating recurring payments and automatic transfers
If you reported your card as lost or stolen, any recurring charges will fail once the old number is deactivated. You will need to update those merchants with your new card number once it arrives. Log into each account (streaming services, utilities, insurance companies, etc.) and update the payment method in your settings.
For bills you pay through Chase's bill pay feature, you do not need to do anything — those payments come from your account, not your card number. If you have automatic transfers set up between Chase accounts or to other banks, those also continue without interruption. Only charges that run directly against your card number need to be updated.
If your card was used fraudulently
Report any unauthorized charges to Chase as soon as you see them. Call the number on your statement or use the Chase app to report fraud. Chase will investigate the charges, and you are not responsible for fraudulent transactions once you report them — federal law limits your liability to $50 if you report within 60 days, and most banks (including Chase) waive that entirely.
The fraud investigation usually takes 10 business days. During that time, Chase may freeze your account temporarily while they verify the charges. Once they confirm the fraud, they will reverse the charges and issue a new card if the old one was compromised. Keep records of any unauthorized transactions and the dates you reported them.
Using your account number while you wait
If you need to make a payment before your replacement card arrives and you do not want to use a temporary card number, you can pay with your checking account number instead. Your account number and routing number work for online bill payments, transfers, and some merchants that accept ACH payments. You can find both numbers at the bottom of a check or in your Chase online banking portal under account details.
This is useful for one-time payments like rent or utilities. It does not work at stores or ATMs, and not every merchant accepts ACH payments, so call ahead if you are unsure. For most everyday purchases, the temporary card number through the app is simpler and faster.
Frequently Asked Questions
Can I get a replacement card if I do not have the Chase app?
Yes. Call the number on your statement or visit a branch. Both options work just as well as the app — the app is straightforward the fastest way to get a temporary card number the same day. Phone and branch orders follow the same five to seven day timeline for physical cards.
What if my replacement card arrives damaged or does not work?
Contact Chase when ready. They will send another replacement at no cost. Damaged cards are rare, but if it happens, call the number on your statement or visit a branch and explain the issue. They can order another card or, at some locations, print a replacement on the spot.
Do I need to update my online banking password after getting a new card?
No. Your card number and your online banking login are separate. A new card does not affect your password or security settings. You only need to update merchants and services that have your old card number on file.
Can someone use my old card number after I report it lost?
No. Chase deactivates the card number when ready when you report it lost or stolen. Any attempt to use it will be declined. This is why reporting it quickly matters — it stops unauthorized use right away.
How long does expedited shipping take?
Expedited shipping timelines vary by location and current volume. When you order through the app or by phone, Chase will tell you the exact delivery window for your address. It is typically two to three business days, but ask for the specific timeframe before you pay the expedited fee.