Chase Small Business Credit Cards

Which Chase Credit Card Is Best For Small-business?

The best Chase credit card for a small business depends on your spending style, with the highlighting the for office essentials and the Ink Business Unlimited® for simple cash back. 

Top Chase Small Business Credit Cards

• Ink Business Cash® Credit Card
  • Annual fee: $0
  • Best for: High spending on office supplies, phone, and internet.
  • Rewards: Earns 5% cash back on the first $25,000 spent on office supplies, internet, cable, and phone services each year. Earns 2% at gas stations and restaurants. 
• Ink Business Unlimited® Credit Card
  • Annual fee: $0
  • Best for: Simple, flat-rate cash back.
  • Rewards: Earns an unlimited 1.5% cash back on every purchase. 
• Ink Business Preferred® Credit Card
  • Annual fee: $95
  • Best for: Travel rewards and flexible points.
  • Rewards: Earns 3x points on the first $150,000 spent on travel, shipping, internet, phone, and advertising each year. Points transfer to major airline and hotel partners. 

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Chase Business Credit Cards Ink Business Unlimited 1000 bonus cash back 15 cash back no annual fee Ink Business Cash Chase Ink Business Unlimited Awarded 2026 Best Small Business Credit Card By Nerdwallet Chase Award NerdWallet 2026 Best Small Business Credit Card to Chase Ink Business Unlimited evaluated by 37 experts across 900

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Business credit cards often provide tools and features for tracking expenses and providing insights into spending patterns

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Is It Hard To Get A Business Credit Card With Chase?

Getting approved for a Chase business credit card is moderately easy if your personal credit score is 670 or higher and you follow Chase's specific approval rules. 

Key Approval Requirements

• Personal Credit Score: Chase looks primarily at your personal credit history rather than your business score. You generally need a score of 670+ for cards like the Ink Business Cash or Ink Business Unlimited, and 740+ for premium cards like the Ink Business Preferred. 
• The 5/24 Rule: Chase will automatically deny your application if you have opened 5 or more personal credit cards from any bank in the past 24 months. (Note: Most business cards do not add to your 5/24 count). 
• Personal Guarantee: You must agree to be personally responsible for paying back the debt if your business cannot. 
• Eligible Business: You do not need a formal LLC or storefront. Sole proprietors, freelancers, side-hustlers, and gig workers are all eligible as long as they have some business revenue. 

For more details on qualifications, you can read the Chase Business Credit Card Requirements Explained or visit the . 

How To Apply For And Get A Business Credit Card Chase

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What Are The Best Business Credit Cards For Small Businesses?

The is the best overall small business credit card because it charges no annual fee and offers unlimited 1.5% cash back on every purchase. 

Top Small Business Credit Cards

• Best for Flat Cash Back: Ink Business Unlimited® Credit Card gives $0 annual fee, 1.5% cash back on all sales, and a 0% introductory APR period. 
• Best for Office Supplies & Utilities: gives up to 5% cash back on the first $25,000 spent in combined office supply, phone, internet, and cable stores. 
• Best for AmEx Points: The Blue Business® Plus Credit Card from American Express earns 2X Membership Rewards points on everyday business purchases up to $50,000 per year, with a $0 annual fee. 
• Best for Flat Travel Rewards: Capital One Venture X Business Card gives unlimited 2X miles on all purchases, premium airport lounge access, and up to 10X miles on rental cars and hotels booked through Capital One Business Travel. 
• Best for Big Spenders: Capital One Spark Cash Plus gives unlimited 2% cash back on all spending with no preset spending limit. 

Key Features to Check

• Annual Fee: Many top cards charge $0, while premium travel cards charge $95 to $395 or more. 
• Welcome Offer: Look for initial cash bonuses or bonus points after meeting a specific spending goal in the first three to four months. 
• Personal Guarantee: Most small business cards require the owner to guarantee the debt personally, meaning late payments can affect your personal credit score. 

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What Is The Chase 5/24 Rule For Business Cards?

The Chase 5/24 rule for business cards means that while opening a business card typically does not add to your 5/24 count, you must still be under 5/24 to be approved for a Chase business card. 

How Business Cards Interact with the 5/24 Rule

• Eligibility Requirement: To get approved for a Chase business card (such as the Chase Ink series), you must have opened fewer than 5 personal or reporting cards across all banks in the past 24 months. If you are at 5/24 or higher, Chase will automatically deny your business card application. 
• Does Not Add to the Count: Once you are approved for a Chase business card, it generally does not get added to your 5/24 total. This is because most business credit cards do not report to your personal credit bureau report. 
• The Exception (Business Cards That DO Count): Business cards from issuers like Capital One, Discover, and TD Bank do report to personal credit bureaus and will add to your 5/24 count. 

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Is Chase Good For Small-business?

Chase is a strong option for small business banking if you value a large physical branch network, integrated card processing, and an intuitive mobile app. 

The Pros

• Brick-and-Mortar Access: Thousands of branches and ATMs nationwide make cash handling and in-person support easy. 
• All-in-One Tools: The account includes built-in card acceptance (QuickAccept) and Zelle for Business. 
• Unified Login: You can manage both your personal and business accounts under a single login. 
• Sign-Up Bonuses: Chase frequently offers cash bonuses for opening a new business checking account and meeting qualifying deposit activities. 

The Cons

• Monthly Maintenance Fees: Accounts carry monthly fees that require maintaining specific minimum balances or qualifying transactions to waive. 
• Strict Fraud Controls: Online forums and reviews note that automated anti-fraud systems can sometimes trigger sudden account freezes or closures with little notice. 
• Extra Fees: High costs apply for wire transfers and overdrafts outside the grace period. 

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What Is The Hardest Chase Credit Card To Get?

The hardest public Chase credit card to get is the Chase Sapphire Reserve® because it requires an excellent credit score of 750 or higher and a high income. (An ultra-exclusive, invite-only card called the J.P. Morgan Reserve Card exists for private banking clients with millions in assets, but it is not open to the general public). 

Why the Chase Sapphire Reserve is Hard to Get

• Credit Score: You need a FICO score of at least 750 for a high chance of approval. 
• Income and Credit Limit: Chase requires a strong income because the card comes with a high minimum credit line (starting at $10,000). 
• The 5/24 Rule: Chase has a strict unofficial rule. You will automatically be denied if you have opened 5 or more personal credit cards across any bank in the past 24 months. 

Other Strict Chase Rules

• Application Velocity: Chase looks closely at how many recent inquiries and new accounts you have on your credit report. 
• Sapphire Family Limit: You cannot hold both a Chase Sapphire Preferred® and a Chase Sapphire Reserve® at the same time, nor can you earn a sign-up bonus on a Sapphire card if you received one in the last 48 months. 

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What's The Easiest Chase Business Card To Get Approved For?

The and the are generally considered the easiest Chase business cards to get approved for. 

Both cards feature no annual fee and lower credit score requirements than premium travel cards, typically requiring a good personal credit score (around 670–700+). 

📊 Comparing Top Chase Entry Business Cards

💡 Tips for Approval Success

• 📌 Stay under 5/24: Chase will automatically deny you if you have opened 5 or more personal cards in the last 24 months. 
• 📌 Use a Business Checking Account: Applying in-branch after opening a Chase business checking account can boost approval odds for new sole proprietors or LLCs. 
• 📌 Be Realistic with Revenue: You can apply as a sole proprietor using your Social Security Number with $0 or minimal side-hustle revenue. 

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My Chase Business Card Has Been Declined. What Should I Do?

If your application for a was declined, you can call the Chase business reconsideration line at 1-800-453-9719 to request a manual review. 

Common Reasons for Denial

• The 5/24 Rule: If you have opened 5 or more personal credit cards with any bank in the past 24 months, Chase will automatically deny your application. 
• Too Much Available Credit: Chase limits how much total credit they will extend to a single applicant; if you already have high limits with them, they may say no unless you offer to shift credit from an existing card. 
• New or Unestablished Business: Brand-new businesses or sole proprietorships with little revenue history can trigger extra scrutiny or rejections. 
• Recent Velocity: Applying for too many cards or loans across the industry in a short timeframe signals high risk. 

What to Do Next

1. Review the Letter: Chase will mail you an official denial letter detailing the exact reasons for the rejection, or you can check your notices online via your personal/business Chase dashboard under "Statements & Documents". 
2. Call Reconsideration: Call 1-800-453-9719. Be polite, ask if additional information or business revenue verification helps, and offer to move existing credit limits around if overall exposure is the issue. 

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What Are The Requirements To Qualify For A $50,000 Business Credit Card Limit?

To qualify for a $50,000 business credit card limit, you typically need a strong personal or business credit score of 700 or higher, an annual business revenue of at least $100,000, and an established operating history of one to two years. 

Key Qualification Requirements

• Credit Score: A personal FICO score of 700+ (ideally 720+) is usually mandatory if your business is young and requires a personal guarantee. Issuers also review business credit scores like PAYDEX or FICO SBSS if available. 
• Annual Revenue: Lenders want to see robust cash flow; traditional issuers generally look for $100,000+ in annual gross revenue, while modern corporate card platforms may evaluate strong monthly revenue ($25,000+) or high cash balances. 
• Comparable Credit History: Issuers are far more likely to grant a $50,000 limit if you already manage existing revolving lines or personal/business cards with limits of $10,000 to $20,000. 
• Low Credit Utilization: Keeping your overall revolving credit utilization under 10% to 30% demonstrates that you manage debt responsibly. 
• Clean Inquiry Record: Having fewer than 3 to 4 hard inquiries on your credit bureau reports over the prior 6 to 12 months improves approval odds for high limits. 
• Business Structure: Operating as a formal, registered entity (such as an LLC or corporation) with an active EIN and a dedicated business bank account provides stronger validation than applying as a sole proprietorship. 

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