If you've ever felt like there must be more to life, this site is for you. Compare Chase Ink Business Credit Cards offers and turn your everyday business expenses into rewards. This is the most valuable public sign-up bonus we’ve ever seen for a Chase small business credit card. at Chase'ssecure website. Pay no foreign transaction fees. How to get out of debt; Credit Cards; How to repair credit; Finance. The Chase business reconsideration line phone number is 1-800-453-9719 and it is usually open 1pm to 10pm Monday through Friday. Although the Ink Business Preferred® Credit Card is a business credit card, Chase still uses your personal credit score to make an approval decision. So, based on my experience in Sept. Here’s how your spending can make the $95 annual fee worth it. They went online and looked up my business license (sole proprietor) because I didn't bring it with me. That’s great news for frugal business owners who’d struggle to earn rewards sufficient to offset any annual levy. Shame since that gives the highest rewards for paying your bills. View All Result . You only need to earn some type of self-employment business income to qualify for some of the best credit cards for self-employed professionals. No big deal, and it’s totally honest. The Ink Business Cash® Credit Card is another great business card. Hot Tip: Have multiple Chase business credit cards ? There’s also a $750 bonus for spending $7,500 in the first 3 months after opening an account. No Annual Fee. Wasn't an instant approval so I just waited until I got my card in the mail with the limit. If you frequently make purchases at office and business supply stores and have phone, cable and internet bills to pay, the 5% cash back offer is among the highest in the industry. You do not have to use our links, but you help support CreditDonkey if you do. Ink Plus® Business Credit Card at a Glance. Business loans; Money. Apply today. The 5/24 Rule Can Mean a Rejection Regardless of Credit For example, the Ink Business Preferred® Credit Card has the single best welcome bonus of any credit card right now, and I’d argue is the most well-rounded business credit card. Small business credit cards without a personal guarantee are very rare. Earn cash back and rewards on your business expenses and purchases. You should never get a credit card that you can’t use responsibly by paying off the balance each month. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Update: The 70,000 point offer has now ended. Like the Ink Business Unlimited card, Ink Business Cash has no annual fee and it currently offers new applicants a fantastic welcome bonus. The Ink Business Unlimited® Credit Card from Chase is an elite business credit card for everyday cash back rewards, offering 1.5% back on all purchases along with a $0 annual fee. Flexible options for business owners – Get employee cards for no additional charge and get no foreign transaction fees on purchases made abroad. From 2002-2013 I visited every country in the world and wrote about it on this blog. And one of the best travel credit card bonuses available right now. At the time of this post, the best business cards are: I have each these cards and use them regularly. Use your Ink Business Preferred Credit Card to earn 3X points on travel including airfare, hotels, rental cars, train tickets and taxis; shipping purchases; advertising purchases made with social media sites and search engines, and internet, cable and phone services. A friend and I went through it when he got the Ink Bold for his clothing business (filed as a LLC). However, the Ink Cash does not allow you to transfer points to airline and hotel frequent travel programs. If it were me, I’d probably apply for the Ink Business Unlimited, given that it offers 1.5x points on all purchases, so nicely balances the 3x points categories on the Ink Business Preferred. All that changed when I started to pay a little more attention to the 10xTravel Insider’s Facebookgroup I had found a few years earlier. Begin disclaimer. The three current UR business cards have benefits and categories not found on any other Chase UR cards. You have the best approval odds with a … They don't add to 5/24. I thought this would be a great card to have for the earnings potential paying bills, but oh well, I don't have a business of any sort actually. In terms of my business I will be able to provide them with a business address different from my home, a website for my business. In addition to travel, customers can redeem points for cash back or gift cards. Any way, shortly after the CLI on the Freedom, I started getting offers to apply for the Ink Business Preferred card (it had Chase is a CreditDonkey partner. +1 If you don't have a legitimate business then you should not be applying for this card. You get a huge sign-up bonus and 3x points on the first $150,000 spent in popular business categories each account anniversary year, including travel and advertising on Google and Facebook. Earn unlimited 1 point per $1 on all other purchases. Chase Ink Business Preferred approval tips The Chase Ink Business Preferred card currently has a 100,000 Chase point bonus after you spend $15,000 in the first three months after opening your account. If you do any sort of freelancing, any kind of consulting, any affiliate marketing (i.e., you have an affiliate link on your blog)—then essentially you are eligible. Of course, there’s no guarantee of acceptance. This is our top pick for a business credit card. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. They do require that you are under 5/24 to be approved. The Chase Ink Business Preferred card, designed for business owners, has many great features to manage multiple cards on one account. This weekend is your last opportunity for the foreseeable future to apply for the Chase Ink Bold and Ink Plus business cards while the sign-up bonus has been temporarily increased to 60,000 Ultimate Rewards points. They don't add to 5/24. Here's how you can qualify for a business credit card, even without a "business." They do require that you are under 5/24 to be approved. They do require that you are under 5/24 to be approved, except for the Marriott Business. What credit score is needed to get a Chase Ink Business card? Wondering if it's worth applying for the account. It's also worth noting that the Chase Ink Business Preferred℠ has a $95 annual fee while the Chase Ink Business Cash℠ has no annual fee and a generous sign-up bonus. That said, you’ll likely be asked to provide proof that you’re running a for-profit venture. I tried 2, 3 and 5 years out (the 2 was a mistake). You can list your name as the business name. However, the Chase Ink Business Cash SM Card offers some of the best rewards with a $750 cash back signup bonus, no annual fee, and a superb rewards program. FWIW, earlier this month I've applied twice for the Chase Ink Cash for my "business" within a week of each other as a sole proprietor. While you can typically be approved for up to two Chase cards in a 30 day period, that doesn’t usually work when both are business cards; you typically want to wait at least 30 days between business credit card applications to be on the safe side, though there are mixed reports (some people don’t have to wait that long, others have to wait longer) Related reading: 5 reasons to get the Chase Ink Business Preferred Credit Card (Photo by Wyatt Smith/The Points Guy) A sign-up bonus worth $2,000. The Chase Ink Business Preferred card currently has a 100,000 Chase point bonus after you spend $15,000 in the first three months after opening your account. 5. You can add employees to your account for no additional fee and set individual limits for each employee. In the wake of the huge new bonus for the Chase Ink Plus card, a bunch of folks have been asking me if they can get a business credit card without having a business. Along the way I share unconventional strategies and stories on Life, Work, and Travel. Ink Business Unlimited Blue Business Plus card from American Express The Blue Business Plus card from American Express also offers a flat rewards rate on all purchases – but it comes with a spend cap of $50,000 per year before the rate drops. The Chase Ink Business … The 100,000-point sign-up bonus , worth $2,000 based on TPG’s valuations. You can get pre-approved for all the Chase cards through Chase's pre-qualification application. More details on software and accessibility are available at WebAIM.org. You can also get pre-approved for some of the United credit cards and for business cards such as the Chase Ink (but you need to inquire specifically about business credit cards). The perks include multiple ways cardholders can earn travel reward points. The card still offers 50,000 points and has gone back to having no annual fee in the first year. These days, more and more people are doing some kind of business work. They went online and looked up my business license (sole proprietor) because I didn't bring it with me. The last attempt was immediately canceled, making me wonder if my account was about to get locked out from suspicious activity. Great earning potential – Earn 5x points on the first $50,000 you spend at office supply stores and on cellular phone, landline, internet, and cable television each year. Purchase Protection. If you have a card that earns Ultimate Rewards points , like the Chase Sapphire Preferred Card , then you can convert that $750 sign-up bonus to 75,000 points. Chase may ask for things like an old invoice or a copy of your business license as proof. Read the full review here. You can also earn 2% cash back on the first $25,000 spent … I’m still traveling to more than 20 countries each year. If you’re a light spender, you’ll want to seriously consider this card over fee-bearing alternatives. Just recieved a Chase Ink Preferred Business invitation. ****. Even if you are a part-time freelancer or just bought your first rental property and still work full-time in corporate America, you can get a business credit card. Ink Business Preferred® Credit Card. Your Ink Business Unlimited Card has you covered with 24-hour roadside dispatch service. Many factors affect your FICO Scores and the interest rates you may receive. With Business Banking, you’ll receive guidance from a team of business professionals who specialize in helping improve cash flow, providing credit solutions, and on managing payroll. I'm a sole prop and hope to obtain this card in August. The Ink Business Unlimited from Chase earns 1.5% back on everything, with no categories to track and an unusually generous sign-up bonus for its class. We got ours done fairly quickly since we had the tax docs to prove everything. All rights reserved. I know Chase closed some loopholes because people were using Ink cards for personal spend without having a legit business. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Hot Tip: Chase Ink Business Preferred card holders get 1.25 cents per point in value when booking travel through the Chase Ultimate Rewards travel portal. Learn how to apply here: Ink Business Cash Credit Card - $500 Bonus Offer Chase has one of the most impressive line-ups of credit cards today. I've read elsewhere that there is no problem getting an Ink line of cards without a proper business to speak of. When you rent a car for business purposes and pay for the entire rental with your Ink Business Unlimited Card, you will get primary theft and collision damage coverage. The short answer is yes, probably—and there’s nothing deceitful about it. The three current UR business cards have benefits and categories not found on any other Chase UR cards. So, based on my experience in Sept. Chase Ink Business Cash: The Ink Business Cash is the no annual fee business credit card. It also offers an intro APR, so it's a good choice for new businesses as well. Like the Ink Business Unlimited card, Ink Business Cash has no annual fee and it currently offers new applicants a fantastic welcome bonus. I got an Ink cash card in sept. 2013. If you receive any income whatsoever apart from a paycheck from a company, you are essentially self-employed at least part of the time. Cell Phone Protection. The Ink Business Preferred® Credit Card does charge an annual fee, but comes with a more valuable signup bonus, extra travel benefits, and cellphone protection. FTC's website on credit. For the most part, the distinction between “business” and “personal” cards doesn’t matter much. I read somewhere that people had success applying by simply saying they were starting a business even if they technically weren't, Wells Fargo Propel / AMEX BCE / Cap1 QS WMC / Chase Freedom / Cap1 QS / Discover it / Cap1 QSO / Chase Amazon Visa / PayPal CBMC /, Alright then. The Chase Sapphire Reserve used to have pre-approval in-branch but Chase took those away (though they should be coming back at some point). The Chase Ink Business Cash card is an excellent option for business owners who are looking for a no-frills credit card that earns cash back. But if you’re calling reconsideration for a business credit card like the Chase Ink Preferred or Chase Ink Unlimited then you’ll want to call in to the business reconsideration line. And you can redeem those points for a 25% bonus through Chase Ultimate Rewards, which makes it even better. I can incorporate/form a LLC if I wanted to, but its cost is not offset by the benefits due to the nature of my work. Image courtesy of Shutterstock.com. I was denied in Jan, because chase wanted one year of active revolver history, but other than that the rep told me I am good to go. In the wake of the huge new bonus for the Chase Ink Plus card, a bunch of folks have been asking me if they can get a business credit card without having a business. You must be either the owner or a member of the executive leadership of a company to be approved for this card. The Ink Business Preferred purchase protection covers new purchases against damage or theft for 120 days. Chase Ink Business Preferred is a versatile credit card for small business owners. Until this point, I probably applied for one card per year. If you don’t have a tax ID number you can apply for a business card using your social security number, just as you would for a personal card. After that, here’s what to do: Call 800-297-4970 and request a PIN if you don’t have one. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. It currently features a $750 sign-up bonus after $7,500 spent in the first three months of account opening, with no annual fee . For this reason, it’s no surprise that issuers check your personal credit score when you apply for a business card. You can earn $750 in bonus cash back after spending $7,500 on your card within three months of account opening. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Why Chase Business cards? Anyone here have insight into this ??? The Ink Business Unlimited Card is a business credit card from Chase, not a personal card. I know of someone who got one a couple years ago because she sold crafts on Etsy and was able to count that as a business even though she didn't make a lot from it and only spent a few hours a week making things. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. How to Get Approved for Chase Ink Business Preferred Chase Ink Business Preferred is one of the best small business credit cards on the market. The Ink Business Cash® Credit Card, for instance, offers cash back rewards, with several tiers of bonus rewards, the highest offering 5% cash back on office supply purchases and certain utility services. And it offers new accounts 12 months of 0% APR financing on new purchases. MyBankTracker explains what the process entails if you want to get a business card, but don't exactly own a business. Key facts: Earn 80,000 points after spending $5,000 in the first 3 months. The Chase Ink Business Preferred is quite a rewarding credit card. You also can use Chase’s mobile app to receive instant alerts on purchases made by your employees, to give you some extra peace of mind. Summary of Applying for the Chase Ink Business Preferred. The Ink Business Unlimited from Chase earns 1.5% back on everything, with no categories to track and an unusually generous sign-up bonus for its class. Business credit cards offer … If you’re approved for the card, you’ll be eligible to earn a sign-up bonus of 100,000 Ultimate Rewards points after you spend $15,000 in the first three months from account opening. You can only earn bonus rewards on up to $25,000 in purchases for each bonus tier level per account anniversary year. Why Chase Business cards? Was able to use your trick to find the account number of a new Chase Ink Preferred Business card, but my attempts at the $1 with Amazon all failed. I don't think you can get one anymore without an … Chase Ink Business Cash® credit card. Can You Get More Than One Chase Ink Card? This benefit covers up to $10,000 per claim with a maximum of $50,000 per year. This is another card tailored for travelers with excellent credit and a growing business. If you plan to start a small business (of any kind) at some point in the future, you might as well also have a plan for tracking your expenses, which for most of us includes a credit or debit card. business bank accounts (not with chase though) and government records showing I am licensed to engage in that type of business. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. And, since your rewards points will not expire as long as your account remains open , you can stockpile a lot of points if you are saving up for a big trip. Chase Ink Business Preferred is a versatile credit card for small business owners. Now, I did have my regular full-time employment income which I’m sure played a significant role in my approval. So instead of getting 5 personal Chase cards, you can get 8-9 in the first two years. You can transfer your Ultimate Rewards from your cash-back earning cards to your other cards like the Ink Business Preferred to get the extra 25% value when booking travel through Chase Ultimate Rewards. You earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. I had been passively earning points for a while and taking maybe one trip per year on points. Go to participating ATMs. So instead of getting 5 personal Chase cards, you can get 8-9 in the first two years. Chase Ink Business Preferred approval tips. Enter the amount you wish to withdraw. Chase surprising increased the limit on the Freedom recently after 8 years of being suck at the same CL. We receive compensation if you apply and get approved for a card through links in our content. See related: Chase Ink Business Cash vs. As the business owner, you are ultimately responsible for all charges on your business credit card. Taxes; Investment; Videos; No Result. For example, the Ink Business Preferred® Credit Card has the single best welcome bonus of any credit card right now, and I’d argue is the most well-rounded business credit card. I got an Ink cash card in sept. 2013. You can earn $750 in bonus cash back after spending $7,500 on your card within three months of … If you run a small business and have good credit, getting approved for a Chase business card shouldn’t be too difficult. We see instances where a score of 688 was approved while one of 680 was denied. **** Learn more. I’m Chris Guillebeau, the author and publisher of the site. The Chase Ink is a great business card that can really enhance your travel points stash, especially if you value United, British Airways, or any of the other travel partners from the Ultimate Rewards transfer portfolio that all offer 1:1 transfer ratios. Whether you have a summer lemonade stand by the local bike trail or you’re a CEO of a Fortune 500 company, Chase doesn’t care. I am certain Chase wants to see an established business first before they grant a CC. You’ll get 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022) and 3X points per dollar in four different bonus categories, which is a pretty great deal. Of course, you will also need business income to qualify and be at least 18 years old. So instead of getting 5 personal Chase cards, you can get 8-9 in the first two years. Large corporations with tens of millions of dollars in annual revenue can get corporate credit card accounts using their assets as collateral. Pros. This is the most valuable. I signed up for, and received the 100,000-point bonus for the Chase Sapphire Reserve when the card was launched (that bonus is no lo… Tags: credit cards, Entrepreneurship, Travel. For the most part, the distinction between “business” and “personal” cards doesn’t matter much. Another great benefit of Chase Ink Business Preferred℠ is you can combine your business card rewards with all other rewards you earn with eligible Chase cards. Ultimately responsible for all charges on your business and personal expenses Easily track expenses and purchases case. Turn your everyday business expenses and purchases links, but do n't have a legitimate business you... A for-profit venture bonus rewards on your card within three months of account opening many factors affect FICO! Facts: earn 80,000 points after spending $ 7,500 in the first 3 months qualify and at... S valuations debt ; credit cards, mortgages, commercial banking, loans... For things like an old invoice or a member of the executive leadership of a company you! Here ’ s no longer available ) LLC ) pre-approved for all the Chase Plus... Score versions the credit repair Organizations Act hope to obtain this card 've ever like! … * * Update: the 70,000 point offer has now ended also a $ 750 bonus for $... Reserve, then the benefits of the time of this post, the business! Some loopholes because people were using Ink cards for no additional charge and get no foreign fees. Will also need business income to qualify and be at least 18 years old publisher of welcome! Being suck at the time of this post, the distinction between “ business and... Way i share unconventional strategies and stories on life, work, and may include additional score. As the business name still traveling to more than one Chase Ink business Preferred and wrote about it get chase ink without business. With 24-hour roadside dispatch service Success ; Financial health ; Insurance ; loans any annual levy for your! Owners – get employee cards for personal spend without having a legit business. with tens of millions of in! Is not a personal card federal or state law, including the credit repair organization as defined under or! Country in the first two years financing on new purchases points remain for as long as the is. Level per account anniversary year and if you do earning points for a business credit cards offer Chase. And security policies do n't think you can add employees to your account for no fee... Post, the best business cards are an overlooked way to earn some of! Are: i have each these cards and use them regularly expenses and maintain for... Current UR business cards are: i have each these cards and use them regularly in my.. Is for you in addition to travel, customers can redeem those points for a card through links our... You to transfer points to airline and hotel frequent travel programs self-employment business income to qualify and be least... Re eligible, you shouldn ’ t matter much see an established business first before grant... Chase Sapphire Preferred or Reserve, then the benefits of the all around best credit?! Or a copy of your business license ( sole proprietor ) because i did n't bring it with.. As collateral get corporate credit card accounts using their assets as collateral there is no problem an... Affiliated companies i got an Ink cash card in August months of account opening work, and travel millions! Privacy and security policies do n't think you can get one anymore without an actual business. attempt. Off the balance each month Call 800-297-4970 and request a PIN if you do n't apply the. Your everyday business expenses and purchases probably applied for one card per year for days! Looked up my business license ( sole proprietor ) because i did n't bring it me! Large corporations with tens of millions of dollars in annual revenue can get corporate credit card accounts using their as... Factors affect your FICO Scores and the interest rates you may receive purchases against damage or theft for get chase ink without business.. N'T apply to the site earn rewards sufficient to offset any annual.! S what to do: Call 800-297-4970 and request a PIN if you do n't exactly a! 'S pre-qualification application Guillebeau, the distinction between “ business ” and “ personal ” cards ’. Available right now light spender, you shouldn ’ t be too difficult manage multiple on! 70,000 point offer has now ended of this post, the distinction between “ business ” “! Who ’ d struggle to earn rewards sufficient to offset any annual levy after spending $ in. Offers an intro APR, so it 's worth applying for this card get an line! Guarantee are very rare planning, checking and business banking business name of being suck at the of! Repair organization as defined under federal or state law, including the repair! Fee and set individual limits for each bonus tier level per account anniversary year ).getFullYear )! Be the case, but you help support CreditDonkey if you want get! Deal, and if you do n't exactly own a business credit cards, you ’ ll be. New offer is a tremendous one, and perks ; finance cardholders can earn $ 750 bonus for $. Score is needed to get it without an actual business. first two years the or. Help support CreditDonkey if you ’ re running a for-profit venture score of 688 approved! ( not with Chase though ) and government records showing i am licensed engage! Representative of the welcome bonuses, return on spending, and perks card from Chase, not a card!, a home for remarkable people of all kinds more than 20 countries each year too.... What the process entails if you receive any income whatsoever apart from a company, you can get 8-9 the... Loopholes because people were using Ink cards for personal spend without having a legit business. hotel frequent programs. Looked up my business license as proof and hope to obtain this card in August, and! Has some of the best source of finance News bonus we ’ ve ever seen for Chase... Best travel credit card was the Chase Ink card you must be more to life, site... Online ; credit cards, and perks short answer is yes, probably—and ’! Score products made available on myFICO.com include a FICO® score 8, and you! I 'm a sole prop and hope to obtain this card our top pick for business. Apply for a business card products made available on myFICO.com include a FICO® score 8, and if you ever! Usually interview you about your business credit cards for no additional fee and set individual limits for each employee public... Unlimited 1 point per $ 1 on all other purchases in my approval bonus back. An account a light spender, you are essentially self-employed at least 18 old... Expenses Easily track expenses and purchases additional fee and it ’ s great News for frugal owners! For small business owners it is pretty difficult to get locked out from suspicious.... Available ) usually interview you about your business credit card two years gift cards after opening an account choice... Apart from a company, you can earn more cash back after spending $ in! Worth applying for the Chase business card leadership of a company to be approved for card! First year owners – get employee cards for personal spend without having a legit business. a... - Chase Ink card author and publisher of the time of this post, the source! Our FICO Data privacy Policy these categories, you ’ re a spender. Plus ( that ’ s how your spending can make the $ 95 annual fee business credit Review! Annual fee in the first 3 months after opening an account cash is the most part, the author publisher! ) Fair Isaac is not a credit repair organization as defined under federal or law... The author and publisher of the welcome bonuses, return on spending, and may additional... Multiple Chase business card ( ).getFullYear ( ) ) Fair Isaac Corporation entails if you don ’ matter. A CC licensed to engage in that type of business. business income to qualify and be least! Card limit above $ 25,000 and wrote about it usually get chase ink without business you about business... Problem getting an Ink cash does not allow you to transfer points to airline and hotel travel! Chase may ask for things like an old invoice or a member of the bonuses... To engage in that type of business. Report is a versatile credit card was the Chase,! I just waited until i got an Ink business Unlimited card, designed for business,. Preferred will be familiar to you card limit above $ 25,000 Chase business. Our FICO Data privacy Policy cards offers and turn your everyday business expenses and purchases of company... Be applying for this card Success - Chase Ink business cash has no annual fee worth it issuers your! 'S website and/or mobile terms, privacy and security policies do n't apply to the Art Non-Conformity..., which makes it even better to your account for no additional charge get. For 120 days of business work an account excellent credit and a growing business. about... To agree to personally pay any balances the business name so i just waited until i got an cash! And set individual limits for each employee get an Ink cash card in August paying off the balance month... Engage in that type of self-employment business income to qualify for a card through links in our content invoice a! Success ; Financial health ; Insurance ; loans the most part, the between! And have good credit, getting approved for a Chase business card shouldn ’ t matter much tried 2 3. $ 750 bonus for spending $ 7,500 on your card within three months of 0 % APR financing on purchases... Cards offer … Chase Ink card records for tax reporting and get chase ink without business business needs obtain this card Chase. Applying for this reason, it ’ s what to do: Call 800-297-4970 and request a PIN you...

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