Updated: July 5th, 2023
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Using a Chase Credit Card via Digital Wallet Before Receiving the Card
Yesterday, I wanted to add my Chase Marriott Bonvoy Boundless card to my Apple Pay wallet so I could have the option to use it for promotions without having to actually carry the card in my wallet.
Chase Now Lets You Add Your Credit Card to Your Digital Wallet Without Having the Card in Hand
When I’ve had to replace my iPhone, it’s always frustrating having to find all of my physical cards to re-add because with Citi and Amex you need your 3 or 4 digit security code.
Marriott Bonvoy Boundless Card
From my Chase app, I was able to add it with verification done via text message instead of needing the CID number. How great, I thought. I wonder if you could do this with a brand new card as well?
And right on cue, in my Twitter feed, was today’s post from Doctor of Credit that you can now, in fact, add a brand new card to your digital wallet without having the card in your hand.
This is extremely valuable because when you apply for a new credit card, the clock starts ticking on your bonus offer period – the amount of spend you need to make in a fixed amount of time – once you are approved. And you may well be applying for the card specifically because you have some payments you want to make.
Here’s where to look inside your Chase app.
What Digital Wallets Can You Add Your Chase Card To?
For a while in 2021/2022, you could add business cards from the app once you’d activated the physical card, but at some point unknown, they’ve taken that feature away.
Chase will generally let you call and request your card expedited anyway – which is great – but this will give you an even greater head start on your spend.
American Express will almost always give you a digital number you can use right away, but only for personal cards. Citi, by contrast, will almost never expedite your card and you cannot add Citi cards to your wallet.
While not life changing, this is a nice new feature and good to know about.
Have you done this?
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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards.
New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.