One way to check for business credit card pre-approval is through the business pre-approval tool on the American Express website. Amex is the only one of the 10 largest credit card issuers that allows prospective business credit card applicants to check for pre-approval. Other issuers that offer credit card pre-approval don’t include business cards in the results.
Aside from checking for pre-approval online, another option is to sit back and wait for a pre-approved business credit card offer 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. Enter your name, your address and the last four digits of your Social Security number (SSN). You will also need to enter the promo code included in the mailing. Some issuers will also allow you to visit a local branch to check for business credit card pre-approval.
When possible, business credit card pre-approval has a lot of benefits. For example, pre-approvals typically use a soft inquiry that does not affect your credit score. When you submit a full application for a card, on the other hand, there’s a hard inquiry into your credit history that causes a temporary dip in your score.
But it’s important to note that pre-approval is never a guarantee of actual approval. It only means that your preliminary information indicates you’re a likely candidate for approval if you actually apply. In most cases, applications for pre-approved offers are ultimately approved.
Also, bear 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 the business cannot.
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