Chase Business Credit Cards | How to Apply for a Chase Business Credit Card

The Chase United business credit card is a good choice for people who are after airline miles.

With no annual fee for the first year and a generous rewards rate of 1x-2x Miles, this card is worthy of consideration.

The card also comes with an amazing welcome offer of 50,000 Miles and requires you to have a credit score between 690-850.

It lets you earn United-specific rewards in addition to rewards from spending in business-related categories.

It has no foreign transaction fees and several travel perks, including Free First Checked Bag, a $100 United travel credit, Priority Boarding, etc.

The Chase Ink Business Premier Credit Card is a nice option for you if you need cashback on travel and big purchases.

The annual fee is quite nominal at $195, while the rewards rate is awesome as you get 2%-5% Cashback.

You also get $1,000 as an Intro bonus. Again, you need a credit score between 690- 850 to be eligible for this card.

It also lets you earn unlimited 2.5% total cashback on purchases of over $5,000. It also offers unlimited 2% cash back on all other business purchases you make.

You also earn an unlimited 5% total cashback on travel purchases made through Chase Ultimate Rewards.

The Chase Ink Business Unlimited Credit Card should be a preferred option, If you want double benefits like a flat-rate cash back along with a decent sign-up bonus

It has no annual fee and a rewards rate of 1.5%.

You get $900 as a part of the Intro Offer and need a credit score of 690- 850 to be eligible for this card.

It is a great choice for those seeking straightforward cashback rewards and who want to skip the annual fee.

It’s an excellent choice for small businesses hoping to make a large purchase in the near future.

The Chase Ink Business Cash Credit Card is considered the best option for tiered cashback, this credit card offers up to a 5% reward rate if you spend $25,000 in combined purchases on the internet, cable, or at office supply stores, among others.

It also has a $0 annual fee and comes with a $900 bonus cashback.

The APR is regular- 18.49% – 24.49% (Variable), and you need a credit score between 700-749 to get this card.

The Chase Ink Business Preferred credit card is best for people who are interested in earning flexible rewards.

With a decent reward rate of up to 3X, you can earn 3 points per $1 (with a cap of $150,000) you spend on travel, internet, shipping purchases, cable, etc.

You can also earn a whopping 100,000 bonus points and just have to pay a nominal annual fee of $95.

To be eligible for this card, your credit score needs to be somewhere between 700 – 749.

To apply for the card, you need to share basic business information like name, email address, annual revenue details, and tax number.

If you are a sole proprietor (a freelancer, contractor, or use it as a side gig), you need to put one under the number of employees section.

In such cases, you can also use your name as a business name and your personal email address as a business email address.

You can also share your personal income if the business has a small projected revenue.

Instead of the tax identification number of a business, you can provide your social security number.

The next page will require you to add some personal information.

If you are the sole proprietor, you need to identify yourself as the Owner.

Then, you need to share your name, gross annual income, and home address.

You also need to share your phone number, date of birth, social security number, and email address.

This information is essential for the issuer as it ensures that you give a personal guarantee for the loan.

It means that if your business cannot pay off the debt, you will need to do it from your personal income.

On the last page, you will get the option to add employee cards.

You can get those for an actual employee or anyone who might buy things for your business.

These cards come in handy when you need to meet a minimum spending limit to access the sign-up bonus.

Once you have completed every section, you can submit the application and wait for the verdict.

If you are approved, you will get the new card(s) in 7-10 business days.

If you are denied, you will get an email detailing why the application was rejected.

If you are pending, it means that your application is still under review, and you need to wait some more time for the verdict.

In the meantime, Chase might contact you to provide additional information or verify the information you have already shared. Call Chase at 1-888-338-2586 to check Chase business credit card application status.

You need to have a credit score of at least 680 when you apply for a Chase business credit card. But it’s wise to have it at over 720 to increase your possibility of approval.

 If you have more than one Chase card, keep your credit limit low. It will help enhance the possibility of approval too.

Keep ample space between your Chase credit card applications. In addition to the 5/24 rule, make sure you don’t apply for two Chase credit cards within 30 days.

It’s always smart to apply for a Chase credit card in a branch instead of online, as it might enhance your probability of approval too.

If your business makes purchases over $5,000 frequently, this card will allow you to earn 2% cashback, and there’s no cap!

It is also the only Chase card that allows you to earn at least 2% cashback on all purchases and negates the need to chase the best cashback offers.

When a business charges a lot on credit cards, getting decent cashback is a side benefit.

So, paying a small annual fee for it shouldn’t hurt a business much.

If you don’t use a small business credit card often, you should skip this card.

Also, if you spend heavily in one or two categories, this card might not be the best option.

If you want to transfer the points to different travel partners, this one might not be the right Chase business credit card.