I can only speak for chase cards and Amex. Amex is slow. Chase is within a day or so of each billing cycle. When you call to activate ask when the statement drops. They can move it up. I have done this and had my bonuses (that I had met the spending on) post within 10 days or so of getting the cards because I had the statements close about 10 days from activation. You can probably even have them close a few days closer if you want. I just wanted to be sure the $$ I needed for each card posted prior. Good luck