I had a similar situation as you in terms of timing, when I first got my card. However, I had an online account already setup with Chase for banking and I was able to setup my card with my phone's virtual wallet. I don't remember it being easy and at one point I had to call Chase. Otherwise, without an existing relationship with chase, to setup the online app, you often have to have the card to actually setup the account and then move over to your virtual wallet.