how long for chase business credit card approval

As long as your personal credit score is good, you should have a decent shot of getting approved. For example, Kara and I have both been. Ink Business Unlimited® Credit Card (read our review). Co-branded cards are also reportedly affected: Aer Lingus Visa Signature® Credit Card · Amazon Prime. Discover credit cards include rewards like cash back or Miles so you can pick the best rewards credit card for you. All with no annual fee.

watch the thematic video

Chase business credit card approval Chase Ink Business Unlimited Credit Card approval $750 Bonus!

How long for chase business credit card approval -

How to Apply for a Business Credit Card

The process of applying for a business credit card is fairly simple. You'll need to research cards, pick the one you want, gather relevant information about your business, complete an application and await the issuer's decision. While the actual application is quick and easy, preparing beforehand ensures that you choose the right card for your business and get approved.

Who can apply for a business credit card?

There are several types of business credit cards. Some are reserved for large corporations that have dozens or even hundreds of cardholders, their own expense and reimbursement policies, and complex security needs, while others are geared toward small businesses with five or fewer employees.

With so many business credit cards available, there's one for just about any type of business. Even sole proprietors who aren't formally incorporated usually qualify for some business credit cards.

Restrictions on who qualifies usually vary by individual card issuers, but these are some you might encounter:

  • Organization type: Some card issuers will not issue business credit cards to nonprofits or unincorporated businesses, like sole proprietorships.

  • Industry: Some institutions will not extend credit to businesses operating in certain industries, such as multilevel marketers and cannabis- or firearm-related businesses.

  • Applicant qualifications: Every issuer has its own minimum qualifying criteria for card applicants, including income, time in business and credit score.

Unless you're prohibited from getting a card due to one of these restrictions, getting a business credit card is often just as easy as getting a personal card. Even if you are prohibited from getting a card from one issuer, you may still be able to get a different card from a different issuer. 

FYIFYI: There are so many different business credit cards available, there's one for just about any type of business. 

What do you need to apply for a business credit card?

When you apply for a business credit card, you'll need to supply all of the information that you'd customarily provide to apply for a personal card. Basic contact information like your name, mailing address, phone number and email will all be part of the application. You'll also need to provide several items specific to your business, including your:

  • Business's name
  • Business's address
  • Years in business
  • Annual revenue
  • Estimated monthly expenses using the card

In addition, you'll need to provide your tax identification number (TIN). If your business is incorporated, this may be your business's EIN. If you're a sole proprietor or a single-member LLC, this may just be your Social Security number. You'll also need to state your position at the company, as well as Social Security numbers for any other business partners who own over a certain percentage of the business (usually 20% or more).

Depending on the issuer, a card application may also ask what industry the business is in, the nature of business (whether it's for profit, for example) and the number of employees or additional cardholders.

How to apply for a business credit card

If you think you fit the criteria for a business credit card and would like to get one to support your operations, you can apply anytime. While an application is simple and only takes five to 10 minutes to complete, there are several things you should do first to make sure you get the right card for you.

1. Research your options.

There are dozens of different business credit cards available. Before you settle on a card, you should know your options. Study your business expenses to see what categories you're spending money in that could qualify you for rewards. Some are great for small startups that need cheap capital, offering long 0% introductory periods. Others are ideal for more established companies with reps who do a lot of traveling, because they accumulate reward miles. Still other cards have cash-back programs that offer great rewards for spending in certain categories. Also, check cards for fees and interest rates.

2. Pick a card.

Once you've identified cards that offer the right mix of fees, rates and rewards, you'll have to decide which one is right for you. Make sure that you read the literature carefully and understand all of the cardholder rights and obligations. If the card offers a 0% introductory period, find out when that period ends. If there are caps on rewards or limits on how rewards can be redeemed, you should be aware of them before you apply.

Also, be sure to check the card's qualification criteria to make sure that you can qualify for the card you want. [Interested in business credit cards? Check out our best picks.]

3. Check your credit.

If you have been in business for three or more years, you may qualify for a business credit card using your business credit score. More likely, though, you'll be applying with your own Social Security number, and issuers will check your personal credit score.

In either case, it's usually a good idea to check these scores on your own before you apply to make sure they're in good shape. The higher your scores, the better. If your personal credit score isn't at least 650, you may want to consider holding off on applying altogether. That will give you time to improve your credit score by doing things like paying down debt, bringing accounts current or resolving past credit disputes.

TipTip: If your personal credit score isn't at least 650, you might want to hold off on applying for a business credit card until it improves. 

4. Gather your info.

Once you feel that your credit is in good shape, you're almost ready to apply. The last thing to do is to gather all of the information you'll need as part of your application:

  • Your business's TIN (found on IRS Form W-7 or SS-4)
  • Your Social Security number
  • Social Security numbers for any business partners who own 20% or more of your company
  • Your incorporation documents to confirm the number of years you've been in business
  • Recent financials to check your revenue and monthly spend estimates
  • A list of employees who will need cards

5. Apply.

Now that you've found t.he card you want, confirmed that your credit is in fine shape, and gathered all the relevant information that you'll need to apply, it's time to actually complete an application. This process is usually completed online and only takes a few minutes.

Depending on the data you enter initially, the card issuer may have additional questions for you or require other information. This may be completed in subsequent steps as part of your online application, or it may require separate follow-up via phone or email.

6. Await the card issuer's decision.

After you formally submit your card application, the only thing left to do is wait and see if you're approved. Approval decisions can take a few minutes, or they may take a day or two if additional follow-up is necessary. If approved, you'll get your card(s) in the mail to activate and start using.

Factors that impact business credit card approval

Though applying for a business credit card only takes a few minutes, credit card issuers gather a good deal of information about both you and your business in that brief application. With all of this information going into an application, it's easy to see that many items that can make or break your approval:

  • Your business type (some issuers don't support nonprofits or sole proprietorships)
  • Your revenue or revenue expectations
  • Your time in business
  • Your personal credit score
  • The availability of personal guarantees from you and any partners in your business
  • Your industry

Of course, this list isn't comprehensive. Credit card applications can be denied for any number of reasons. Just having a weird business address – one that isn't easily found in a postal code lookup – can be a disqualifying factor.

The most common disqualifying factor, however, is your credit score. Most small business owners who apply for business credit cards apply using their personal credit, not their business credit. Because of this, if a business owner's credit report isn't in good shape – with a score of at least 640 to 700, depending on the card they're applying for – they may be denied.

What's more, the relationship between a small business credit card and the owner's credit card is a two-way street. The business owner's personal credit score may cause the business's card application to be denied, and any misuse of the company card may come back on the company owner's personal credit.

Impacts on personal credit

When you apply for a business credit card – especially if it's a small business card – your application will likely hinge on your personal credit. This means that when you apply, the card issuer will run a hard check on your credit. This hard inquiry will count against your credit and take several months to drop off your credit report.

Additionally, if you're approved, sometimes (depending on the issuer and card) any balances you carry on your business credit may also appear on your personal credit report – the same way balances on your personal credit cards do. This will further impact your credit if you apply for other business financing or even a personal loan.

Last but not least, applying for a business credit card usually requires a personal guarantee from anyone who owns 20% or more of the business, and sometimes from each cardholder. If your business fails to make on-time payments or defaults on a balance, those items will hurt your personal credit score.

When not to apply for a business credit card

Getting a business credit card can be a quick and easy way to access credit for your business, but sometimes, it's not your best option, like in these situations:

  • Your personal credit isn't in good shape.
  • You already have a lot of business debt outstanding.
  • Your business is just getting started and doesn't yet have reliable income.

In these cases, you may not want to apply for a business credit card, because you're less likely to qualify.

Just as often, though, a business credit card simply may not be the ideal type of financing for your business. If you need financing for a long-term project, for example, you may be able to secure better financing with a long-term, fixed-rate loan. If you have seasonal financing needs that last four to six months, you may be better off with a term loan or a line of credit. [Read related article: How to Apply (and Get Approved) for a Business Loan]

Bottom line

The process of applying for a business credit card is relatively quick and easy – it's usually as simple as completing an application online. Before you do that, though, make sure that a business credit card is the right financing option for your business. Then, you need to research cards, pick the best one for you, gather your relevant info and confirm that you'll likely qualify based on your credit score before you submit an application.

That way, you can ensure not only that you'll be approved – and thus not waste a hard inquiry on your credit – but also that you'll find the best card for your business.

Business Credit Card FAQs

How do business credit cards work?

A business credit card is intended strictly for purchases related to an organization – it is not intended for personal use. There are two additional differences between a business credit card and a personal credit card. First, according to NerdWallet, business credit cards are monitored and reported in a different manner than personal credit cards. Personal credit card accounts are reported on a monthly basis to the major consumer credit bureaus: Experian, Equifax, and TransUnion. However, depending on who the credit card issuer is for your business credit card, the issuer may provide reporting to commercial credit bureaus and perhaps consumer credit bureaus, too.

The second additional difference between business credit cards and personal cards is that business credit cards typically have higher spending limits. This is due to the likelihood that purchases are likely to be for possible big-ticket items related to the business. Any type of bonuses offered are likely to be geared for commercial use, too. For example, business credit cards may advertise bonuses such as airline miles or travel discounts.

What are the benefits of business credit cards?

There are four benefits a business credit card provides. First, business credit cards can be helpful for tax-deduction purposes. Credit card statements can make it easy to track business expenditures. Second, you're keeping your personal credit separate from your business credit. If for some reason, your business credit score decreases, it should not adversely affect your consumer credit score and vice versa. Third, typically with a business credit card, the spending limit is likely to be higher than the spending limit set by card issuers on consumer credit card accounts. Fourth, money management is a benefit of having a business credit card. Cash flow is important for any business, but especially for startups. Business owners can better manage their cash flow using a business credit card to make and pay off expenses, such as new equipment and inventory.

airport security

If you're planning on traveling during the holidays, there are ways to avoid standing in a long security line at the airport. 

TSA PreCheck, Global Entry and Clear are programs that allow you to breeze through airport security. But before you plunk down money on these program fees -- and after you digested the security and privacy concerns of enrolling in such a program -- you may want to look at the many credit cards that cover the costs. Similarly, you can redeem loyalty points or frequent-flyer miles to get a free TSA PreCheck, Global Entry or Clear membership.

To save you from digging through the details of your next credit card statement or rewards program FAQ page, I've assembled in one convenient spot the credit cards and loyalty programs that cover all or some of the cost of TSA PreCheck, Global Entry and Clear. Check out the lists and links below.

Related: Best travel credit cards for 2021

What do these programs do?

TSA PreCheck and Global Entry are run by the US government, while a private company operates Clear. 

  • TSA PreCheck is run by the US Transportation Security Administration and expedites the airport security screening process. This gets you access to a faster PreCheck line (where available) and you won't have to remove your shoes, belt, jacket or laptop during the security screening. 
  • Global Entry, run by the US Customs and Border Protection, includes all of the advantages of TSA PreCheck and adds an express line through customs and immigration for international travelers returning to the US. 
  • Clear is privately operated and lets you bypass the main security line or the TSA PreCheck line at the airport. After checking in at a kiosk, you'll be escorted to the front of the security line, where you won't be required to show your ID. Then you'll go through a security screening as usual -- unless you also have PreCheck. Clear also offers a free version of its service called Clear Sports that provides expedited entry into a handful of stadiums around the country.

Read:TSA PreCheck vs. Global Entry vs. Clear compared

How much do these programs usually cost?

TSA PreCheck costs $85 for five years. Global Entry costs $100 for five years. Clear is considerably more expensive at $179 per year. The ideal combination is Global Entry and Clear, letting you breeze through the security line, then going through screening without reorganizing your entire wardrobe. But that's expensive, so, read on.

How to get TSA PreCheck or Global Entry for free

In most cases, if a credit card features a TSA PreCheck or Global Entry benefit, it gives you the choice of a $100 credit to cover the cost of Global Entry or an $85 credit to cover the cost of TSA PreCheck. I don't know why you would opt for the latter if both are free. Remember, Global Entry includes all of the benefits of TSA PreCheck and adds a speedier way through US customs and immigration. Some cards, however, offer only an $85 credit, which would leave you with a $15 balance to cover the cost of Global Entry.

The following credit cards include up to a $100 credit at least every five years to cover a five-year membership to TSA PreCheck or Global Entry:

In addition to credit cards, there are a handful of traveler loyalty programs that let you trade points or miles for a free membership to TSA PreCheck.

How to get Clear for free

There are fewer ways to get a free or discounted Clear membership, but they do exist. Delta and United frequent flyers as well as Hertz members can get a deal on Clear.

For Delta flyers, Clear is free for Diamond Medallion members, $109 a year for Platinum, Gold and Silver Medallion members, and $119 a year for General SkyMiles members. 

On United, Clear free for Premier 1K members, $109 a year for United credit cardmembers in the US and Platinum, Gold and Silver Premier members. And it's $119 a year for MileagePlus members.

Hertz Gold Plus Rewards members can get Clear for a discounted rate of $129 a year -- a savings of $50.

Disclaimer: The information included in this article, including program features, program fees, and credits available through credit cards to apply to such programs, may change from time-to-time and are presented without warranty. When evaluating offers, please check the credit card provider's website and review its terms and conditions for the most current offers and information. 

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.


Are you trying to find out how to check your Chase credit card application status? Or did you receive a message stating that your application is “under review” and that you will hear back in 30 days, 7 to 10 days, or even two weeks?

This article will show you exactly how to check your Chase credit card application status in three easy ways.

And it will also show you what each of these “under review” messages mean like the 30 day, 7-10 day, and 2 week messages and what you should do after you receive one of these.

I’ll also give you some much needed information that can help you overturn a denied application via the Chase reconsideration line.

Interested in finding out the top travel credit cards for this month?Click here to check them out! 

How to check your Chase credit card application status

The automated phone number to check your Chase credit card application status is: 1-888-338-2586.

If that doesn’t work, older numbers might work:

  • 1-800-432-3117 and 1800-436-7927 for personal cards
  • 1-800-453-9719 for Chase business cards. 

You should be prompted to input your social security number, and then you’ll simply wait to hear the status of your credit card application.

Be aware that sometimes you might be taken directly to an agent. If you don’t want to talk to a live person then just hang up the phone and there should be no harm. However, if you do want to talk to them then you need to read more about Chase reconsideration (which I talk about below).

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Can I check my credit card application status online?

Yes, you can check your application status online but only if you have an account with Chase — if you’re a new customer, you’ll just have to settle with calling the automated phone number above.

For a while, Chase didn’t have the ability for you to check your status online but now it’s very easy. I will break down the steps below.

Step one

Log-in to your Chase account.

Step two

Once you are logged in, click on the three bars on the top left side of the screen.

Step three

You will now see a side bar menu and there will be an option for you to select “Application status.” Look for the option at the bottom of the menu.

Once you click on that, you will be taken to the “My Applications” page and you should see all active applications there.

If you are still using the old Chase interface, follow the instructions below.

Log-in to your account and then go to the “Customer Center.” On the right side of the screen you should see a section called “Open a New Account” and underneath that a link you can click that says “Check my application(s) status.”

Click on that and you should be able to view your recent credit card applications which could include:

Secured message

Some people prefer to check their application status via a secured message. If you want to do this, then log-in and go to the “Contact Us” and click on “Send us a message” using the Secure Message Center.

This will be the slowest method to get your answer, though. So I would prefer to go with calling in or just checking online.

Chase application status for loans

Note that there are different phone numbers that you can call to check on the status of your applications for other loans like mortgages and auto loans.

These numbers can be found below.

Auto loan – Purchase New or Used Car1-866-804-6781
Auto loan – Refinance1-866-481-4254
Home equity1-888-e4CHASE (1-888-342-4273)

What does your Chase credit card application status mean?

Chase is known for sending out different types of messages when you apply for one of their credit cards and don’t get automatically approved. These messages can give you an indication on whether or not you can expect to be approved.

30 day message

One of the most common messages to get after you are not automatically approved for a Chase credit card is the 30 day message.

If you receive this message all it means is that your application is being processed.

Sometimes it means that the computers are just back-logged and for whatever reason can’t spit you out an automatic approval. Other times it means that your application will likely be reviewed by an actual person (manual review). 

At this point, you can just sit back and wait a few business days or usually at most a couple of weeks for Chase to get back to you. Or, you can be more proactive and you can consider calling into the reconsideration phone line but you may want to just hold off (more on that below).

Two week message

If the automatic status checker changes and tells you that you’ll be notified in two weeks, then you should be very happy because this message almost always means that you will be approved!

So I would recommend that you just be patient and await your approval email (assuming that it is coming) but you could also call in from time to time to check on it until you hear the official word.

Eventually, you will hopefully receive a message like the one below!

Chase reconsideration line tips

7 to 10 day message

If the automatic status checker changes and tells you that you’ll be notified in 7 to 10 days, I’ve got some bad news….

This message often means that you will be denied.

There are some situations where people receive the 7 to 10 day message and all they had to do was call in to verify some sort of personal information. For example, there could have been a discrepancy with the address they put on their credit card application versus the address that showed up on the credit report.

Or, Chase just might want to make sure that it was actually you who applied for the credit card. In that case, you might just have to answer a couple of easy security questions. For example, you might have to verify your old address or a car that you once owned. 

So if you receive this message there still is some hope that you might get approved but for the most part you should expect a rejection to come.

At this point, you may want to go ahead and call into the Chase reconsideration line at: 1-888-270-2127.

Chase credit card application rules

Chase has some very specific credit card application rules that you want to make sure that you are following.Two of the most popular rules are the 5/24 rule and 2/30 rule.

Hopefully, you already had an idea about these rules before you ever applied and you made sure that you were not violating any of these rules.

However, if you just applied and were not automatically approved then you should read up on these rules and you might be able to find out why you were not approved.

If you are in violation of these rules, you stand a very, very small chance of getting approved and you should probably just expect to be denied.

But, if you were not in violation of any of these rules, and you were not automatically approved then you should probably look into calling into Chase reconsideration.

The Chase reconsideration line is your opportunity to plead your case and try to convince Chase to approve your credit card applications and even overturn rejections.

The goal here is to show Chase that you had a legitimate need or desire to open up a new Chase card or multiple cards so that they will reverse their decision and approve you for a card.

The Chase reconsideration line phone number is 1-888-270-2127.

The Chase reconsideration hours of operation are usually:

  • 7am to 10pm EST Monday through Friday
  • 8am to 1 pm EST Saturday
  • 9am to 9pm EST on Sunday

How to handle a reconsideration call

There are some things that you don’t want to say in a phone call like this and then there are some things that you do want to say.

For example, you don’t want to tell Chase that the primary reason you are chasing a credit card is the amazing 50,000 point sign-up bonus. That makes you sound like an unprofitable customer (or even worse a “gamer”) and you are going to have an uphill battle to get approved once that happens.

But if you have a more legitimate reason for needing cards such as the need to segregate your expenses then Chase will likely be more onboard with your reasons for getting the card.

I suggest that you check out my article on the Chase reconsideration line and it will break down everything that you should say (and should not say) in a reconsideration phone call.

Lastly, if you have applied for a Chase business credit card then there will be additional questions that you need to be prepared for in the reconsideration call.

These reconsideration calls for business credit cards are usually more intense and can be a little bit more stressful to get through.

So I highly suggest that you check out my article on Chase business reconsideration calls —  it will walk you through everything you need to know to prepare for a business recon Phone call.


How can I check my Chase credit card application status via phone?

The automated phone number to check your Chase credit card application status is: 1-888-338-2586.

Can I check my Chase credit card application status online?

Yes, you can check your application status online but only if you have an account with Chase.

What does the 30 day message mean?

If you receive this message it most likely means that your application is being processed.

What does the two week message mean?

The two week message usually means you will be approved.

What does the 7 to 10 day message mean?

This message often means that you will be denied (but not always).

Final word

Checking your application status with Chase is a little tricky because of all of the different types of messages that you can receive when your application is not automatically approved. But, once you understand what each of these messages mean it is actually pretty easy to get a sense of what to expect when it comes to your approval.

UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Daniel Gillaspia

Daniel Gillaspia is the Founder of and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.



Enroll in Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

Cancelling Paperless Statements and E-Communications

You may cancel through account online or by calling us at the number on the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.


I had already recently opened two Amex Open business cards; a Green Rewards and Simply Cash Plus. These cards were very easy to open; both were instant approval using a SP and I received both cards within 3 business days without needing rush delivery. Business Green came with a 5,000 MR sign up and Simply Cash Plus has no sign up (I know I know). I decided that I wanted a Chase Ink card due to the longer intro 0.00% APR period, $500 sign up bonus and the fact that it was on the Visa network. Chase could learn a few things from Amex. Below I will outline the time line for my Chase Ink card as well as some other data points. I would like to see you all add more data points to your posts besides "I've been approved!", especially since some business cards can be harder to get than personal cards and your experience could benefit everybody. As it is, I had to get info on the Ink cards from other forums.....


6/14/18: Applied online for Ink Unlimited; received screen indicating that Chase would review the application and let me know in 30 days (the application hotline mirrored this information).

6/18/18: Application hotline changed from 30 days to 7-10 days Smiley Surprised

6/21/18: Received a letter from Chase indicating that they needed to verify "Physical street address for authorizing officer" and that the documents sent (photo ID, utility bill etc) needed to be no more than 3 months old. 

6/25/18: Sent via snail mail a copy of my driver license, vehicle registration, wireless phone bill (which actually does not count by the way, I was just being annoying by sending it) and a copy of one of my health insurance explanation of benefits Smiley Very Happy

7/2/18: Called application hotline, 7-10 days turned back into 30 days

7/5/18: Called application hotline, "you've been approved, you will receive your new card within 10 business days" and then the application hotline told me of my credit access line, the intro APR, when it expires and what the APR is, currently, after the intro period expires. 

7/13/18: Finally got the darn card in the mail. The card was sent without the need for activation ( Smiley Surprised ) used the card to pay cell phone bill right away with no issues. 

7/15/18: Had to call to have online account management set up; they told me there was no way to add business cards to personal card log in...annoying but its fine.


Data points: 

Small, side consulting business; 2 years, $2,000 revenue-sole proprietor, 100% personal guarantee, no EIN, applied with my SSN, used my name as business name. 

Pulled EX (in Colorado): 816

$90,000 stated income

Officially 2/24 (NFCU 8/16 and USAA 11/17-the two Amex business accounts opened recently do not report to personal bureau)

Approved for $12,000

0.00% intro APR on purchases and balance transfers, expires 8/3/19

14.74% ongoing APR (at current Prime Rate) after

**This card has a higher credit line and lower APR than both my current Chase personal cards....go figure (especially since Amex gave me one of their highest APRs on Simply Cash Plus:18.99%)


TLSmiley Very HappyR For most of us, the Chase Ink cards are not as simple to obtain as Amex Open cards. Patience is a virtue; just because you get a 7-10 day response doesn't necessarily mean you've been declined, you may just need to send verification. For Chase Ink cards it is best not to call Chase (unless you want to be interrogated), be patient and let the process happen...even if it takes 30 days. I probably could have reduced my waiting time by visiting a Business Relationship Manager at a Chase Branch to have the required documents faxed in. 


Hopefully that covers everything and can help some of you out! I am really glad to have an Ink card and it was worth the waiting.


Everything you should know when applying for a credit card online

You can typically apply for a credit card online in a few simple steps, but it's important to get the facts about what is included in an online card application. To make the process easier, gather all the information you need before you get started.

  • Who can apply online for a credit card
  • What you need to submit a credit card application
  • How to apply for a credit card online
  • How credit card applications affect your credit
  • Getting started: apply for a credit card online

Can I apply for a credit card online?

Online credit card applications are open to US residents-in other words, people with a mailing address in the US who are over 18 and either have a Social Security Number (SSN) or Individual Tax Identification Number (ITIN). 

Following the passage of the Credit CARD (Card Accountability, Responsibility and Disclosure) Act of 2009, applicants under the age of 21 will need a co-signer or proof of income as part of the application process.

While credit card applications are open to nearly anyone, note that credit card issuers evaluate applications based on many different factors and criteria, which could include your reported income and your credit score.

What you need to submit a credit card application

Card issuers are interested in getting a full picture of your financial health. Besides collecting your basic contact information, they will use your SSN to pull your credit report. Consider finding out your credit score before you apply so you know what kinds of cards you're eligible for.

Most online card applications require:

Your full legal name. This is the name you use on your official government documentation, like your driver's license and passport.

Your SSN and/or ITIN. The Social Security Administration provides SSNs, while the Internal Revenue Service issues ITINs. A credit card application typically requires only one or the other.

Your mailing address. This is the address where you expect to receive your credit card statements.

Your gross annual income. "Gross" refers to your income before taxes. Card issuers use this information to estimate whether you can pay off your card debt and determine what your credit line will be.

Your employment status. This identifies whether you are employed, unemployed or self-employed. You may need to provide your employer's phone number (or, if you are self-employed, a tax document) for verification purposes.

Your housing costs. Because this information doesn't appear on your credit report, card issuers may ask you about it directly, whether you rent or own your home.

Your phone number. Some card issuers may ask for additional information like your phone number as well as options for the best times of day to reach you. You may receive a call for follow-up requests or questions.

How to apply for a credit card online

Determine your credit health. Before you shop around for credit cards, consider ordering a copy of your credit report to review your credit history and look for errors. You can get one free annual copy of your credit report from each of the three credit bureaus (Equifax®, Experian® and TransUnion®) at Your credit scores are not included on these free credit reports so it is recommended to check other sources for your credit scores to help you identify which cards you're eligible for.

Do your research. There are hundreds of different credit cards available with a variety of offers, fee structures and rewards programs. Chart your spending behaviors so you know which categories you spend most heavily in, and then shop around for the card that matches your credit profile and best fits your needs.

Pull together all of the required information. You won't need a lot of personal information to apply for a credit card, but it's important that all of your data is up-to-date and accurate.

Follow internet security best practices. When you're ready to apply, make sure both your web browser and operating system are up to date. Consider filling out the application on a mobile data connection or a safe, private network to prevent the risks of someone intercepting your personal information. And if you have any doubt about the legitimacy of an email from a card issuer, navigate directly to the issuer's website rather than clicking on any links in the email.

Submit your application. Most of the time, approvals and rejections are nearly instantaneous, but some credit issuers may take a longer time to make a decision, such as 8-15 business days. Keep in mind that it can take up to two weeks for you to receive your new card.

Will applying for a credit card affect my credit score?

Any time you apply for credit or a loan, the creditor or lender will order a copy of your credit report. This is known as a "hard inquiry." A significant number of hard inquiries may indicate that you are looking for credit and could lower your credit score.

New accounts make up just 10% of your FICO® score, however. Some scoring models will treat multiple inquiries as a single new-account activity, which won't affect your score much at all.

Applying online is a flexible and easy way to apply for a credit card and, with the right documentation in hand, the process only takes a few minutes. Before you get started, shop around to find the best card, and ensure that you only submit your application on a secure internet connection.

how long for chase business credit card approval

2 Replies to “How long for chase business credit card approval”

  1. Thanks very much. This video is very helpful. I had the same problem which this video pointed. But, after seeing this video, I just wait for 4 hrs. And I was successful in log in.

Leave a Reply

Your email address will not be published. Required fields are marked *