WalletHub, Financial Company
@WalletHub
One way to check for business credit card pre-approval is to visit a local branch and ask a banker to help you with this matter. Just note that not all issuers provide this service. So, it’s best to call them before heading down to your local branch. Some issuers also send pre-approved business credit card offers in the mail.
To respond to a mail offer after it arrives, visit the website or call the number listed in your pre-approval letter. You’ll have to provide details such as your name, address, and possibly, your Social Security number (SSN). You will also need to enter the promo code included in the mail.
What you should know about business credit card pre-approval:
- Generally, credit card issuers do not provide any online tools for business credit card pre-approval. But you could always contact an issuer before applying directly or checking for in-branch pre-approval offers.
- Business credit card pre-approval has a lot of benefits. For example, pre-approval tools typically use a soft inquiry that does not affect your credit score. But when you submit a full application for a card, this will result in a hard inquiry on your credit report. This inquiry causes a temporary dip in your score.
- It’s important to note that pre-approval does not guarantee you’ll actually get the card. It only means that your preliminary information indicates your approval odds are high if you actually apply. In most cases, applications for pre-approved offers are ultimately approved.
Keep in mind that an issuer will review your personal credit history when you apply for a business card. That’s because, in almost all cases, you will be held personally responsible for repaying the balance if your business cannot.

Credit One Bank® Platinum Visa® for Rebuilding Credit
People also ask
Did we answer your question?