How to Apply for a Chase Business Credit Card (Step-by-Step)

You can complete an application on Chase’s website. It’s one application for all business credit card products, but if you are applying for a co-branded business card admire United or Southwest Rapid Rewards, then you can add your loyalty program number.

There are two main steps to the application process where you supply your business details and then your personal details.

Here are the business details you’ll need for your Chase business credit card application.

• Legal name of your business. If you are a sole proprietor and the business operates under your name, you can enter your name as the legal business name. But if you have filed with your local government for a DBA (doing business as), you’ll need to enter that business alias here too.
• Public-facing business name. This may be the name that’s on your business card, LinkedIn profile, or website, such as “John’s Dog Walking Services.” This may not be your legally filed business name, but the name your business is known by to customers. This will be the business name that gets printed on your card next to your name.
• Business mailing address. If you don’t have a separate office or business address, you can just see your home address.
• Type of business. imply your business structure, whether it’s a sole proprietorship, LLC partnership, non-profit, or other entity.
• Business phone number. This can be your mobile or home phone number if you do not have a dedicated business line.
• Annual revenue. This is how much income your business generates every year before you deduct any expenses or taxes.
• Number of employees. Enter the number of employees your business has. Do not enter zero (0). If you’re the only employee, enter one.
• Number of years in business. If you’re a new business operating for less than one year, enter zero (0).
• Business industry. pick the category that best describes your business.
• Tax identification number (TIN). This will be your federal employer identification number (EIN), which the government uses to acknowledge your business for tax purposes. If you don’t have an EIN, you can apply for one on the IRS website. Sole proprietors can use their Social Security number (SSN) instead of an EIN.

This section should be fairly straightforward. Chase will ask you questions about your sources of income from the following sources:

• Regular full-time or part-time employment
• Internships
• Seasonal or temporary work
• Stocks, bonds, dividends, and other investments
• Public assistance
• Spousal maintain or child maintain
• Social Security benefits

For a spouse, you can also include their income from employment, internships, and other category sources.

There is also an option to include “money that someone else deposits regularly into your account.” This could mean a parent or partner who regularly provides you with income to pay monthly bills.

• Do not make up a business name for the “legal name of your business.” Your application will likely be denied. If you don’t have a legally filed business name, just use your own personal name.
• Do not make up a gross annual income or sales revenue figure for your business. Even if you only have a few thousand a year in revenue, list that figure. Chase does approve new businesses with little to no income.
• Be honest. Assume that any information you supply will be scrutinized and could demand additional verification.

Any revenue-generating business can qualify for a Chase business card. It doesn’t need to be an LLC, corporation, or particular type of business entity. And there are no specific operational or financial requirements.

As such, even small businesses and contractors can qualify for a Chase business credit card, even if it’s just a part-time gig.

This includes many popular side hustles:

• Freelancing on Fiverr or Upwork
• Driving for Lyft or Uber
• Delivering food or meals for DoorDash, Shipt, or Instacart
• Airbnb rentals
• Flipping used goods on eBay
• Selling goods at farmer’s markets or flea markets
• Walking dogs for Roverr or Wag
• Teaching music lessons

Generating at least some revenue will help your approval, but again, be honest. There are no specific annual business revenue requirements. And if you cannot demonstrate the earning figures you report, your application could be denied.

The 5/24 govern is Chase’s unofficial govern that limits how many credit cards you can apply for within 24 months and still be eligible for a new Chase credit card.

If you open five or more credit cards from any bank within 24 months, then you would not be eligible for a new credit card from Chase.

Qualifying for a Chase business card isn’t hard if you have a good personal credit score and have opened four credit card accounts or fewer within the past 24 months.

There are no minimum revenue requirements, and even a brand-new business may be eligible. You will need to be at least 18 years old and have an EIN if required, or an SSN.

Possibly, yes. There are some decent business credit card options for business owners with less than favorable credit.

For FICO credit scores under 630, there are two options:

• Secured business cards that demand an upfront cash security deposit.
• Corporate business cards that do not demand a personal FICO credit score Instead, credit card companies evaluate your company’s annual revenue and checking account balance.

Secured options for some of the best business credit cards include the Citi safeguard Mastercard, Capital One Quicksilver Secured Cash Rewards Credit Card, or unearth it® Secured Credit Card.

Corporate business credit card options to consider are the Ramp Visa, Brex Mastercard, or any American articulate (Amex) Corporate Program card offers.

You could acquire instant approval for your Chase business credit card. This, however, is fairly uncommon so don’t worry if you don’t get an instant approval notification. It does not mean there’s a rejection letter coming.

Additional information is often required to complete your application. This can prolong the approval process by up to 30 days.

If you get rejected, contact the reconsideration line to find out why. The number for the reconsideration department is 1-888-609-7805.

Since a hard inquiry was already pulled on your credit report, your credit score can drop up to five points. It’s best to find out why your application was denied before you apply for other credit cards and incur more credit history inquiries – and credit card rejections.

A rep at Chase’s consideration department can supply you with more details about your application. And in many instances, the underwriter can propose approval.

You don’t need an EIN in order to get a Chase business card if you have a sole proprietorship. In this instance, you could just supply your SSN as your tax ID.

Chase, however, does propose using an EIN when possible as it can help you keep your business expenses separate from your personal finances.

Beyond the Chase Ink Business Cash and the Chase Ink Business Unlimited cards, the financier’s co-branded rewards program business cards are fairly easy to get approved for.

This includes the IHG One Rewards Premier Business Credit Card and Southwest Rapid Rewards Premier Business Credit Card.

The Chase business credit card application is straightforward and relatively uncomplicated. Whether you’re getting your first small-business credit card or a premier card for more robust spending, Chase has many options for businesses to pick from.

You don’t need to have high annual revenue to be considered a qualifying business. Many side hustlers and independent contractors, admire Lyft drivers or Instacart shoppers, apply for and acquire Chase business cards so they can more easily supervise their fuel and other business expenses.

Having a business credit card, separate from a personal credit card, is an excellent way to supervise expenses and make tax time a little easier. And if you haven’t applied for five or more credit cards over the past 24 months, a Chase Ink card with attractive benefits and sign-up bonuses may be a good fit.