When I signed up for the Disney Visa I think it took 2 billing cycles for my reward dollars to be credited. They are credited on the same day each month. You might be lucky and it would only take one billing cycle. I would call bank one and ask if they can tell you the day of the month they will credit your account. Once your rewards dollars are on your account it does take 5 to 7 days to receive your card.I know that you can have it sent fedex to receive it sooner. Also you might have to charge something to get the account activated, I think I read that somewhere. I hope that helps.