How to Get Your Chase Credit Card Number or Start Using It Before It Arrives

Get Your Chase Credit Card Number Before It Arrives

How to Get Your Chase Credit Card Number Before It Arrives


Update: Secure Message trick no longer works, but Moneydance/Quicken trick still should. You can also add cards to mobile wallets and start using them right away. Read below for more details.


Chase is one of the credit card issuers that never give you the credit card numbers before your physical card arrives in the mail. That’s frustrating when you have big spending coming up, but you don’t have the card yet and are not able to use it even though you have been approved and the card shows in your Chase account online.

Luckily there’s an easy trick that will get you our full Chase credit card number. You also need to guess your expiration date, but it is not as hard as it sounds.

A family member recently applied for a new Chase Sapphire Preferred card after seeing the offer in the “Selected for You”section of the account online. These are offers that bypass the Chase 5/24 rule and are usually the same as the public offer, or even better in some cases. The person applied and was approved and the card shows in their Chase account online soon after. But there, you only see the last four digits of the card.

They had some spending that they could knock out online (for a medical bill) before the card arrived in the mail. After some googling I came across this article that shows how to get your card number. We tested it and it worked.

How it Works

Here’s the steps:

  • Log in and find the Secure Message option in your Chase account
  • Send a secure message using the Card that you need the number for (select it from the list showing last 4)
  • Enter a message and send (I selected other, and asked if they know when my card will arrive)
  • Then go into your Chase app (not website) and look in Secure Message in the sent folder
  • Open the message that you just sent, and in there it will show the full account number.

Now the next step is to figure out the expiration date. To do this, you just need to add 4 or 5 years to the approval date, and you have your expiration date. So if you get approved today on 11/2/2019, your expiration date will most likely be 11/2/2023 or 11/2/2024.

Use Quicken/Moneydance

“If you use Quicken and set up your Chase account for automatic downloads, you should be able to get your full 16-digit CC account number,” John says in the comments below. Just select that Chase account and hit “Edit Account Details”.

Another way that I have seen work recently is when setting up the account in Moneydance (personal finance app for Mac, Windows, Linux, iPhone and iPad). You will see the full card number once connection is completed.

How to Start Using Chase Cards Even Without Having Card Number

You can now add Chase cards to your digital wallet and start using it to pay in stores, online and in merchant apps as soon as you are approved for a new card. You do not need to have the physical card in hand, or the credit card number itself. To add the card to your digital wallet:

  • Sign in to the Chase Mobile® app.
  • Choose your new credit card.
  • Go to your digital wallet and then add your card.

You can use this to add your new Chase card to Apple Pay, Samsung Pay, Google Pay and even PayPal by adding it to Chase Pay first.

Best Chase Credit Card Offers

These are currently some of the best offers for getting new Chase credit cards:

  • Chase Ink Preferred

    • Get 100,000 Ultimate Rewards points as a bonus when you spend $15,000 in your first 3 months.
    • Annual Fee: $95
    • Apply Here
  • Chase Sapphire Preferred

    • Earn 80,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months.
    • Annual Fee: $95
    • Apply Here
  • Chase Ink Unlimited

    • Get $500 in the form of 50,000 bonus Ultimate Rewards points when you spend $3,000 in 3 months
    • No Annual Fee
    • Apply Here
  • World of Hyatt Credit Card

    • Earn up to 50,000 bonus World of Hyatt Points: 25,000 Bonus Points when you spend $3,000 in your first 3 months and 25,000 more when you spend $6,000 total within the first 6 months.
    • Annual Fee: $95
    • Apply Here
  • Chase Freedom Flex

    • Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months + 5X on Groceries for one year.
    • No Annual Fee
    • Apply Here
  • Southwest Performance Business

    • Earn up to 100,000 points: Get 70,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months and 30,000 additional points if you spend $25,000 within 6 months.
    • Annual Fee: $199
    • Apply Here

Guru’s Wrap-up

This is a super useful trick for using your Chase card before you get it in the mail. Sometimes people apply for a new card when they have a big purchase to make, and having to wait for the card in the mail makes it impossible to use it right away. Thankfully some of these tricks should work and get you going right away as soon as you are approved. Check out some of the best offer listed above for Chase cards. Keep in mind that the Chase 5/24 rule applies, so if you have had more than 5 new credit cards in the last 24 months you will not be approved.

Let me know if these tricks work for you, of if you have any other tricks up your sleeve.

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11 thoughts on “How to Get Your Chase Credit Card Number or Start Using It Before It Arrives

  1. If you use Quicken and set up your Chase account for automatic downloads, you should be able to get your full 16-digit CC account number when you select that account and hit “Edit Account Details”. It has worked for me last several times.

  2. Hi, this doesn’t work anymore. You’ve said you’d update to an above commenter but I didn’t read the comments until I tried it. Please update.

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