Just about all business credit cards allow instant approval, at least if you apply online. But even though an instant decision is likely, it’s not guaranteed. The credit card company may take more time to decide whether an applicant meets their requirements. Or they may have trouble verifying the information on the application right away if there’s something incorrect or outdated.
In order to get the best chances of instant approval for a business credit card, your personal credit score should exceed the minimum requirements of the card you apply for. The higher your income, the better your chances are, too. Secured business credit cards for bad credit will provide the highest odds of instant approval.
Here are the best instant approval business credit cards:
Getting instant approval on business credit cards is not unusual if you apply online. But you shouldn’t expect to receive it, as in some cases approval might take a few weeks. After approval, delivery of a card usually takes 7-10 business days, but many issuers allow you to expedite either for free or for a fee.
The best instant approval business credit card is the Blue Business Plus card from American Express because it offers 2 points per $1 on the first $50,000 spent per year (1 point per $1 on all other purchases). It also has an introductory APR of 0% for 12 months on purchases. Not only is it possible to get an instant decision on a Blue Business Plus application when applying online, but Amex may also give out your card details instantly. That means you could use the account for online or phone purchases before the card arrives.
If Amex gives you this information after approval, there’s only a limited amount of time to write it down. Amex won’t give the info out again before the card arrives. The one other drawback is that getting this card requires at least good personal credit.
Another good choice that’s open to even business owners with limited credit is Capital One Spark Classic for Business. It offers 1% cash back on all purchases and has a $0 annual fee. If you already have an existing Capital One credit card account, you may be able to view your new account’s info immediately through the Capital One app. That’s not guaranteed, though.
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