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

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

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

Signing up for credit cards through partner links earns 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!

Small Business Owners Have 3 Chase Ink Cards to Choose From, but Which Card is Right for You?
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 Credit Card.  (It’s his favorite no-annual-fee 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

  • Chase Ink Business Preferred – It has an awesome sign-up bonus worth $1,000+ in travel or $800 cash and has great category bonuses (80,000 points after spending $5,000 in the first three months)
  • Chase Ink Business Cash – not going to argue with no annual fee and a sign-up bonus of $500 after spending $3,000 in the first three months.

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.

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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I made a mistake by putting a different name other than my legal name. Now they are asking me to prove that’s my business name. How can I prove that?
I have a rental property and want to apply for a sunniness care to separate from my personal ones.
Thanks!

I have CSR and Unlimited with excellent credit.

I do Uber and Lyft and I feel like I’m qualified for it, So applied for it and fail miserably because they ask me for proof of business.

All I have is business license that’s it.

Do I have get an EIN now ? I thought sole proprietor didn’t need one.

I went to the Chase local branch and they can’t even help me either because all the documents will go to the same peoples which I got denied.

I don’t want to waste hard pull again seriously.

Didn’t work. They needed proof of the business. Fictitious certificate, EIN, and other documents. Everyone’s situation is not the same.

Sorry to hear that. It might also vary based on who you get on the phone. Have you tried calling back and speaking with someone else?

I’m thinking also it might depend on your relationship with the bank.

When I applied for my first Chase business credit card, I was not asked for any proof of my business. I’m thinking my long term relationship with the bank had something to do with it though.

I must have done something wrong for the Business Unlimited Card. I just got off the phone with Chase and they are making me fill out paperwork to prove I have a business. I have a CSR and Freedom, excellent credit, and good salary. The first representative said I was approved the second one said I had to wait until the paperwork was submitted. Should I call the reconsideration number? I had several expenses coming up to meet the minimum spend and keep my accounts separate. But I won’t make it at this point.

Hi Dr V,

This happens sometimes where the bank will ask for proof of the business.

A lot of people in online forums have stated that they satisfied this requirement after providing proof of an EIN. This might be worth a shot.

You can apply for an EIN through the IRS website for free and if I remember correctly, you can instantly print the letter as proof if you do it online.

I have already a relationship with Chase. A checking account, 2 CCs (Sapphire and Unlimited) but needed a business card to keep my hobby business. I applied on a Sunday morning (received the automated message that my app needed further review). I was OK with that but just out of curiosity called in the afternoon (maybe 4-5 hrs after applying) just to ask how many days I would need to wait, the representative put on hold for 4-5 minutes and came back to me with the “Congratulations your app have been approved etc etc etc” I was prepared to answer any questions but none was asked. I’m a happy customer. As a matter of fact, I have never had any issues with Chase.

Congratulations! I had a similar experience when I applied for my first Chase business card. Long-time customer of Chase with checking, savings, and some personal credit cards, and was approved for the Ink Business Preferred even though I had a brand new business with only ~$500 annual income claimed.

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