It can take anywhere from a few minutes to a few weeks to get a business credit card, though on average it shouldn’t take more than 10 to 14 days. In many cases, a business may receive “instant approval” for a business credit card, but it may take longer to come to a decision other times.
How Long It Takes to Get Approved for a Business Credit Card: Key Things to Remember
Some businesses may be approved right after applying.
Some businesses may have to wait a few days to a few weeks for a decision.
Applying online speeds up the approval process because it’s the most streamlined application method.
Having incorrect or incomplete information on the application is a common reason why approval may get delayed.
Once you’re approved for a business credit card, it should take around 7 to 10 business days to arrive by mail. Depending on the issuer, you may be able to request expedited delivery for free or for a small fee, which can cut the shipping time down to only a few business days.
You need a credit score of 700 or higher to get the best business credit cards. Although the top business credit cards usually require at least good credit for approval, there are still options for small business owners with fair, limited, or bad credit. In other words, you can get a business credit card with pretty much any credit score, though the most attractive offers are reserved for the most creditworthy applicants.… read full answer
Note that your personal credit score will still be taken into account, even though you’re applying for a business credit card. The higher your personal score is, and the more income you have relative to your debt, the better your chances of approval will be.
Popular Business Credit Cards by Credit Score Requirement
In general, good-to-excellent credit gets you access to the biggest sign-up bonuses, the highest ongoing rewards rates, and lots of options with no annual fee. People with lower scores will most likely have to choose between low fees and other perks.
Credit card companies rely on personal credit to evaluate business credit card applications because personal credit histories are usually longer. Therefore, they tend to be more predictive. Most credit card companies also consider a business owner’s personal finances to be intertwined with the business. That’s often true, since personal savings are the top source of start-up capital for new businesses.
It takes 7-10 business days to get a credit card from Chase once your application has been approved. But you can get it in 1-2 business days if you ask for expedited delivery, at no extra cost. It’s also worth noting that you may receive a decision instantly after approval, however it can sometimes take up to 30 days to receive a response.… read full answer
Getting a replacement credit card from Chase takes 3-5 business days, in most cases. But, again, you can ask for free expedited delivery and get your card in 1-2 business days.
Chase Credit Card Approval and Delivery Timeframe
New Credit Card: 7-10 business days after approval (1-2 business days expedited for free).
Replacement Credit Card: 3-5 business days (1-2 business days expedited for free).
Online Approval: You may get an instant decision when you apply for a Chase credit card. However, it can take up to 30 days for Chase to make a ruling in some cases. You can check the status of your Chase credit card application over the phone at (888) 338-2586.
Mailed Applications: You’ll get a decision within 7-10 business days of Chase receiving your application.
Chase’s credit card approval and delivery timeframes are pretty standard. The fastest way to get a Chase credit card in your hands is by applying online and requesting expedited delivery. You can also call Chase for free expedited delivery once approved.
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