What is an Instant Approval Business Credit Card?

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  • Written By: Tess C. Taylor
  • Edited By: Bronwyn Harris
  • Last Modified Date: 16 October 2019
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An instant approval business credit card provides the convenience of immediate acceptance. In many cases, a business may apply for a line of credit from a credit card company and be approved within less than twenty-four hours for a business credit card that can be used to make purchases and pay bills to help the business grow. Many credit card companies and financial institutions offer instant approval business credit cards to companies from startups to established firms.

Instant approval business credit cards provide an easy way for a business to manage finances and vendors and take care of travel and overhead costs associated with running a company. Business credit is a growing market that many credit card companies are targeting with credit card incentive programs designed especially for businesses. Being able to get instant approval for a business credit card is a helpful incentive that any business can take advantage of in times of financial need.

Along with the convenience and quick approval process that an instant approval business credit card offers, oftentimes business credit card programs also provide generous repayment terms and cash bonuses and rebates for use. In some cases, the credit card companies also offer discounts for the services and purchases that businesses use as a result of signing up for their instant approval business credit card. The more the credit card is utilized, the more the business benefits from these types of incentives.


Many instant approval business credit cards are offered by the vendors that businesses use – such as office supply stores and retailers of business equipment or computers. The instant approval business credit cards may be offered in-store and can be applied for at the time of purchase and used right on the spot by the business representative. This is most helpful when something more expensive needs to be purchased by the business and there is limited capital to buy something outright.

Businesses generally use credit cards in order to track expenses of the company. This is easy to do with an instant approval business credit card as the statements can be better organized and payments can be tracked monthly either physically or online. Paying a regular monthly payment is easy to manage financially by applying for and using a low interest business unsecured line of credit.

An instant approval business credit card can also help a business establish a stable credit rating, which can then be used when financing future large capital purchases. This is also helpful when applying for business loans or working with new vendors. Once an instant approval business credit card is obtained, the company knows up front what the breakdown is for payments and can start sending them out early to establish an excellent credit rating.


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