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Step-by-Step:  How to Complete a Chase Business Card Application

Step-by-Step:  How to Complete a Chase Business Card Application

JasonStep-by-Step:  How to Complete a Chase Business Card ApplicationMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Qualifying for a small business credit card is easier than you think.  And if you’re not getting business cards, you’re missing out on a world of miles & points!

Lots of folks want to know how to fill out a Chase business card application for lucrative cards like the Chase Ink Business Preferred.  Because it can be intimidating to try something new and different terms might be confusing.

If that’s you, you’re not alone!  Lots of folks felt the same way starting out.  That’s why I started the small business reader success series!

Step By Step How To Complete A Chase Business Card Application
Qualifying for a Small Business Card, Like the Chase Ink Business Preferred, May Be Easier Than You Think

It’s been a long time since I’ve written about how to navigate a Chase business card application.  So it’s time for an update.

Chase Business Cards & the “5/24” Rule

If you’ve opened 5 or more personal credit cards (from any bank) in the past 24 months, it’s tough to get approved for a new Chase business credit card.

Most times, the business credit cards you’ve open in the previous 24 months don’t count as part of your 5 cards.  For example, business cards from American Express, Bank of America, Chase, Citi, and Wells Fargo, do NOT count against you.

If you are over the “5/24” limit, you won’t be able to get most Chase business cards (except for the Chase Marriott Business card).  If you aren’t sure what your “5/24” count is, you can use Credit Karma to check your status.

Are You Eligible for a Small Business Card?

Qualifying for a business credit card might be easier than you realize.  You don’t need an EIN (Employer Identification Number) or 6-figure revenue.  Million Mile Secrets team member Scott applies for Chase business cards with his social security number.  That’s how he was approved for his Chase Ink Business Cash card.  (It’s his favorite no-annual-fee business card!)

Step By Step How To Complete A Chase Business Card Application
Activities That Generate a Profit, Like Selling on eBay or Amazon, Could Qualify You for a Business Card

You might already qualify as a business if you sell on eBay, Amazon, or on local sites for a profit.  Team member Keith does this and qualifies for business cards as a result!

Small business cards make it simple to separate personal and business expenses.  And if you’re just starting out, it can be an easy way to invest in the business and earn miles & points at the same time!

How to Complete a Chase Small Business Credit Card Application

All Chase business card applications ask virtually the same questions.  But if you are applying for an airline (United Airlines, Southwest, etc) or hotel (Marriott) business card, have your loyalty account number on hand to attach to the application.  If you don’t have a loyalty account before applying, you will be assigned one.

These screenshots are from an application for the Chase Ink Business Preferred card.

Step 1.   Tell Chase About Your Business

Step By Step How To Complete A Chase Business Card Application
Be Honest on Your Application. Even If You’re Just Starting out You Can Still Be Approved

Here’s how to fill out this form.

Legal Name of Business

If you are a sole proprietor, your legal business name can be your own name or the name of your business.

Business Name on Card

This is the business name you want to appear on your credit card.  It can be your name or a variation of your name, like “Jane Doe Photography” if you are a photographer.

Type of business

Choose sole proprietor (a business owned by one person), partnership (a business owned by 2 or more people), or select the appropriate legal structure of your business (LLC, corporation, etc.).

Tax Identification Number

If you don’t have an EIN (Employer Identification Number), use your social security number.  The box is formatted differently than your social security number.  But both numbers are 9-digits long, so it will work.

Select a Business Category, Type & Subtype

Select the options that best describe your business.

Number of Employees

This is the total number of employees you have.  Select 1 if you’re a sole proprietor.

Annual Business Revenue or Sales

Enter the total amount you receive annually for selling your products or services.  If you are just starting out and haven’t sold anything yet, enter “0.”

Step By Step How To Complete A Chase Business Card Application
When It Comes to Reporting Your Business Revenue, Honesty Is the Best Policy

In the past, Emily has entered less than $100 of revenue on her application and still been approved for a small business card.

Years in Business

Enter the number of years it has been since you started the business.  This may be longer than when you first made a profit, because you likely spent money on your business before you earned any.

Business Mailing Address

This is your home address if you run the business from your home.

Step 2.   Tell Chase About Yourself

As a business owner, you will be personally responsible for paying the credit card bill.  So Chase will want to know what your income is so they can verify that you will be able to pay.

Step By Step How To Complete A Chase Business Card Application
At This Step, You Can Let Chase Know What Your Combined Income Is

First, select your authorizing officer title.  For a sole proprietor, you will be the “owner.”

Then, enter your personal contact information.  For your gross annual income, you can include money you receive from a job, your businesses, and your spouse’s income.

Step By Step How To Complete A Chase Business Card Application
Include Any Income You Can Use to Pay Your Bills in the “Gross Annual Income” Box

Step 3.   Give Chase More Personal Information

Even though Chase business cards don’t appear on your personal credit report, they still need to check your credit score.

So you’ll need to enter your personal phone number, business phone number (can be the same as your personal phone number), email, date of birth, social security number (even if you entered it before), and your mother’s maiden name.

Step By Step How To Complete A Chase Business Card Application
Chase Will Run a Personal Credit Check, so They Need Your Social Security Number

Step 4.   Add Employee Cards (Optional)

Adding employee cards can be a great way to keep track of expenses.  But only get them for folks you trust, because you’re still responsible for the charges.

Step By Step How To Complete A Chase Business Card Application
If You Have Employees You Can Get Them Cards, but Ultimately You’ll Be Responsible for the Bill

Step 5.   Submit Your Application

This is your last chance to review the details of your application.  After making sure you entered everything correctly, check the box to agree to the “Certifications and Pricing & Terms and click “Submit“.

Step By Step How To Complete A Chase Business Card Application
Once You Review Your Application & Agree to the Terms, Click Submit

If your application is denied, I recommend calling Chase’s business reconsideration line at 800-453-9719.  Occasionally, Chase will just want a few more details about your business or to verify certain information.  Sometimes you can move credit from one card to another or offer to close an existing card and Chase may change their decision.

But even if they don’t change their minds, calling will give you a better idea of what you’ll need to change to be approved next time!

Our Favorite Chase Business Credit Cards

Note:   To earn a sign-up bonus you must meet the card’s minimum spending requirement.  So be sure you can do that!

Bottom Line

Small business credit cards aren’t just a great way to earn lucrative sign-up bonuses.  They’re helpful in keeping track of expenses and useful for investing in your business.

Qualifying for a Chase business card might be easier than you think.  And Chase business cards won’t show up on your personal credit report, so they don’t count against your “5/24” limit!

You don’t need 6-figure sales or an EIN (Employer Identification Number) to get approved for a Chase business card.  You can use your social security number on your application.  And if you’re just starting the business, it’s okay to have very little or no sales.

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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got the email that it will take 30 days to let me know, should i call and expedite? I need to buy a car asap,

thanks

Hi Sal – it can’t hurt to call the Chase reconsideration line to see if there’s any additional information they need from you to process your application. Sometimes it’s as simple as verifying your address.

Thank you all, I applied last night, and got approved (Automated approval). It says 10 business days to get the card. Any chance, can I call now to get the card earlier than 10 days. I need to buy a car at the most by wednesday next week.

I was able to call and request for expedite, thank you for this useful thread.

Several of the perks of this card are for business purposes (cell phone insurance and primary car at least).

I’m curious how they determine if you are traveling for business or pleasure since my trips usually include a little of both.

I just applied today for this card. I got an email stating “We have received your request for a Chase credit card. We’ll let you know our decision by U.S. mail. This could take up to 30 days.”

Is this regular process for business card? I have excellent credit and always get approved immediately. I am under 5/24. Thanks.

Hi Floyd! Yes this is normal procedure and it does not necessarily mean you were declined. There are MANY reports online from people who originally received this message for both personal and business cards and still ended up getting approved for the card. Myself included!

I received a similar message when I applied for the Chase Ink Business Preferred. I decided to wait, and I was eventually approved without any additional documentation required.

If you’re in a rush to get the card though, one thing you could try doing is calling Chase to have a person review it right then and there. Although you do run the risk of having the app more heavily scrutinized, more questions asked about the business, etc.

NJturtlePower

FULL APP RE-CAP: Dropped to 4/24 June 1st and I might have jumped the gun, applying for a CSP about 6-hours after the Ink Cash app still pending.

Apparently, this could have been a BIG boo boo IF the CSP were to get approved first, per Chase’s 1/30 rule.

On top of that my reasoning for the double-dipping was a bit off, thinking 2 credit pulls would be combined, which is apparently NOT true when dealing with both Chase Business and Personal offers at the same time.

BUT, on the bright side, after a few app status updates via phone system over 2-days (Started at 30-days then changed to the dreaded 7-10 via mail), and today a call to Chase Personal Recon line @ 888-270-2127, I’m now a proud Chase Sapphire Preferred (CSP) holder with a $10k SL.

P.S. – My Ink Cash was luckily approved FIRST @ a $12k SL…. nice start at BIG 2018 UR SUB’s with this Chase duo!

Thanks to all I have and continue to learn here!

That’s great news, thanks for sharing the update!

Just one note to the above article about applying as a SP, you CANNOT enter $0 as your “Annual Business Revenue”, try $100 as I did.

Chase’s application doesn’t allow you to enter $0.00 for the revenue/sales. What should you do if you are a startup and don’t have any revenue/sales to date or potentially in the near future?

Hi Dylan! I went and ahead and called chase. 2 reps mentioned to put $1 for the business income if the website is not taking $0. Ultimately, Chase will make the final decision based on factors like your credit score, income, relationship with the bank, etc.

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