Hello, I recently applied for the $200 cash back credit card and have not heard back. It has been about a week. Is there a 2 week window of processing or do I need to reapply? Thank you!

Answered on September 14, 2011
Updated on September 14, 2011
The content is accurate at the time of publication and is subject to change.
James Williams James Williams

It can take up to 30 business days to process your credit card application. If you are approved, your new card will arrive in the mail in 7 to 10 business days after approval. To check the status of your card application, please contact your credit card issuer or do it online (if possible) on your card issuer’s official web site.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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As a rule, banks are able to approve within two weeks. Sometimes the process can take up to a month, but only if a bank needs to verify some information. In some cases (usually for applicants with good credit), banks are able to provide approval within a couple of business days. When approved, your card should arrive in the mail within a week or two. Some banks offer expedited delivery, but usually it is not a free service. Note, that you can always contact the bank you applied with to find out the status of your application. Some banks even allow to do this online on their websites.
Chase Ultimate Rewards is good for frequent travelers. Ultimate Rewards points can be redeemed for cash back, statement credits, Amazon.com purchases, travel, or you can transfer your points to a participating loyalty program. Ultimate Rewards credit cards allow to earn only 1 point per dollar spend on non-travel and dining purchases. If you are not going to spend a lot in these categories, you may choose other travel credit cards.
You are right in your doubts. According to the conditions of bonus offer, you can't qualify for the bonus offer if you already have any Sapphire credit card, and you won't get the bonus offer if you had any Sapphire credit card and received the bonus within the last 24 months. Thus, since you canceled your card a year ago, you won't qualify for the bonus offer. As an alternative you can apply for another credit card with good rewards bonus. If you need credit card for travel, take a look at travel rewards credit card. If you need card to earn maximum rewards on everyday purchases, then look...

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