Edited by: Juan Ruiz
& Kellie Jez
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Chase is a consumer credit card powerhouse but is equally dominant in its business credit card offerings. Whether you’re refereeing soccer on the weekends for a few extra dollars or running a major software sales business, there’s a Chase business credit card that can darf eliver a bounty of benefits to your business.
A financial relationship with Chase can be a valuable asset that can benefit your business long-term, so the decision to secure a Chase business credit card shouldn’t be taken lightly. Managing your credit wisely with Chase can reap rewards far into the future.
With the potential for ongoing value as a foundation, join us as we look at a few key Chase business cards delivering cash-back, travel rewards, and other benefits any business owner can appreciate.
Let’s explore some of the key features and benefits of these top Chase business cards.
The Ink Business Preferred card is a prime credit card for businesses that require frequent travel.
First, you’ll earn 3 points per dollar spent on the first $150,000 spent in combined purchases on your most common business expenses, including travel. You’ll also earn 3x points for common business expenses such as cable, shipping, internet, phone, and advertising. That makes it easy to accumulate points quickly, redeem for travel to offset business travel expenses, or even fund a family vacation.
If you take advantage of the ongoing value of the additional 25% when redeeming points for travel through Ultimate Rewards, you can potentially offset the annual fee, and that’s before taking into account the numerous other benefits such as cell phone protection.
We’ve also written frequently about the many ways that you can use Chase Ultimate Rewards for maximum value.
Small businesses just starting out can always use more cash, so having a business credit card that earns cash-back on every business expense can be a real plus.
The Ink Business Cash card rewards generously for common business purchases. With 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services, your earnings can add up quickly and be invested directly back into the business.
Restaurant and gas station spending earns 2% cash-back (on the first $25,000 spent in combined purchases), so if your business requires road travel, the Ink Business Cash card could be a good fit. We found many valuable benefits of the Ink Business Cash card.
The busy business owner who doesn’t want to be bothered keeping track of bonus categories and quarterly promotions will enjoy the simplicity of the no-annual-fee Ink Business Unlimited card. Every purchase earns an unlimited 1.5% cash-back that could be invested directly back into your business.
Also, if your business has a large purchase, or purchases, coming up, the
We love the Ink Business Premier card if you’re a business owner that has large-item purchases month to month.
You’ll earn 2.5% cash-back on every purchase of $5,000 or more and 2% cash-back on all other purchases. You’ll also earn 5% cash-back on travel purchased through Chase Ultimate Rewards. Keep in mind that this is strictly a cash-back card and its rewards cannot be transferred to airline or hotel partners.
This card also has no preset spending limit, which helps high-spending business owners.
Lastly, there’s travel insurance, cell phone protection, purchase protection, extended warranty, fraud protection, and no-additional-fee employee cards.
All of these excellent Chase business credit cards come with the option to secure credit cards for your employees at no additional cost. These additional cards enable you to keep track of their spending and earn even more cash-back or travel rewards on business expenses you’d otherwise reimburse.
If your business involves travel, you’re sure to benefit from these Chase partner-branded business credit cards that earn points or miles you can use to offset your business travel expenses or fund a personal vacation.
Just the savings from not having to pay for a checked bag may offset the annual fee, and the rewards travel earned from the welcome offer just adds to the value of securing the card.
The card earns 4x points on Southwest purchases, 3x points on Rapid Rewards hotel and car partners, and 2x points on rideshare, social media and search engine ads, internet, cable, and phone services.
The IRS is the most reliable source for determining what constitutes a business, so we’ll use its definition of whether you have a legitimate business that could potentially qualify for a business credit card.
According to the IRS, “Generally, an activity qualifies as a business if it is carried on with the reasonable expectation of earning a profit.”
Even if your business activity is small, it can still qualify as a business as long as it has “the reasonable expectation of earning a profit.” Whether the credit card issuer will approve you is another matter. Your personal credit will play a significant role in getting approved, you can still qualify with little or no initial business income.
Before you apply for a business card, you’ll want to look into the following:
This unwritten rule, confirmed by data points from actual credit card applicants, refers to Chase’s practice of not approving certain new Chase credit cards for applicants who have opened 5 or more total credit cards from any issuer in the past 24 months.
Before you apply for any Chase credit card, you’ll want to review our complete guide to the Chase 5/24 rule.
Before you complete the Chase business credit card application, you’ll want to be prepared and gather the necessary information in advance:
Your personal credit plays a huge role in whether you’ll qualify for a business credit card, so you should know your credit score before applying for a Chase business credit card.
You can access your credit score for free from several sources. Credit Karma and Credit Sesame provide options for obtaining your credit score without charge. You should also monitor your credit score regularly.
Hot Tip: Our expert guide gives you everything you need to know about how your credit score is determined and how to view your credit score for free.
You may not receive an immediate decision once you apply, as your application may require manual review. Here’s how to handle each possibility.
Denied: Call the business credit card reconsideration line. You may be able to move around credit limits from other cards and get approved, or you may be able to provide additional information that changes the decision.
Pending: It doesn’t hurt to call, as there might be information needed to facilitate approval.
Approved: Once you’re approved, the clock starts ticking. You will have limited time to complete the spending required to receive your welcome bonus. Once you receive your card (usually in 7 to 10 business days) you can call and confirm your offer and the cut-off date for your welcome bonus spending.
With Chase’s diverse portfolio of card offerings, it’s possible to select a combination of Chase business cards that rewards all of your business spending.
You’ll want to make sure you’re considering Chase’s 5/24 rule during the process, and also include one of its premium cards in the mix to gain additional redemption value for your Ultimate Rewards points through the travel portal.
You can also read our guide on “Comparing Chase Business Credit Cards” to give additional insights into these credit card products.
Business credit cards allow you to pay for your business expenses with the card, which keeps them separate from your personal expenses. When you apply for a business credit card, you’ll still be using your personal credit history to qualify because you’ll be personally responsible for any charges on the card.
Your business does not need to have a substantial amount of income to apply for a business credit card. Your personal credit history and income will play a large role in whether you get approved. When you apply for the card, you’ll be asked about your business income, but you’ll also need to provide your personal information, as you’ll be personally responsible for paying for any charges incurred.
There is not a specific limit for the number of Chase business cards you can have. Chase will consider the amount of total credit you have with Chase, your credit history and income, and other factors it deems pertinent to determine whether to approve you for a specific card. We do know that you can only be approved for 2 Chase credit cards within a 30-day period and the Chase 5/24 rule can come into play regarding the number and types of cards you’re approved for.
Chase is not the easiest credit card issuer for approvals, so you’ll want to be sure to fill out your application completely, accurately, and be prepared to discuss your business with a representative if necessary. The effort it may take to secure Chase business cards is worth it, however, as Chase can be a valuable asset to your business in the long run.
Technically, you can use your Chase business card for a personal expense. However, it is not recommended. One of the primary reasons to secure a business credit card is to keep business and personal expenses separate. Also, there can be confusion at tax time as you try to determine which expenses on the card were personal and which were business.
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