Learn more. You can only earn bonus rewards on up to $25,000 in purchases for each bonus tier level per account anniversary year. A friend and I went through it when he got the Ink Bold for his clothing business (filed as a LLC). The 100,000-point sign-up bonus , worth $2,000 based on TPG’s valuations. No big deal, and it’s totally honest. If your business spends mostly in these categories, you can earn more cash back with this card. 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. Was that recently? Welcome to The Art of Non-Conformity, a home for remarkable people of all kinds. The Ink Business Cash® Credit Card is another great business card. Chase Ink Business Preferred is a versatile credit card for small business owners. 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. Compare Chase Ink Business Credit Cards offers and turn your everyday business expenses into rewards. The two current UR business cards have benefits and categories not found on any other Chase UR cards. Get insights into your business Chase Ink ® gives you 24/7 access to view account details, quarterly reports, up to 24 months of statement details, and more. As the business owner, you are ultimately responsible for all charges on your business credit card. 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. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Credit. Image courtesy of Shutterstock.com. 5. So instead of getting 5 personal Chase cards, you can get 8-9 in the first two years. They went online and looked up my business license (sole proprietor) because I didn't bring it with me. After that, here’s what to do: Call 800-297-4970 and request a PIN if you don’t have one. It also offers an intro APR, so it's a good choice for new businesses as well. So, based on my experience in Sept. The Chase Ink Business … A representative of the company almost always has to agree to personally pay any balances the business cannot. Chase is a CreditDonkey partner. 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. The three current UR business cards have benefits and categories not found on any other Chase UR cards. Like the Ink Business Unlimited card, Ink Business Cash has no annual fee and it currently offers new applicants a fantastic welcome bonus. Chase for Business offers various business banking solutions including loans, credit cards, and lines of credit. 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. In addition to travel, customers can redeem points for cash back or gift cards. And there are a handful of outliers available to smaller … business bank accounts (not with chase though) and government records showing I am licensed to engage in that type of business. 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. Chase online; credit cards, mortgages, commercial banking, auto loans, investing & retirement planning, checking and business banking. 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. If you have the Chase Sapphire Preferred or Reserve, then the benefits of the Chase Ink Business Preferred will be familiar to you. 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. Update: The 70,000 point offer has now ended. 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. I had been in business for less than a year and was approved for the card with just $500 in annual business income, as a sole proprietor with just my social security number. Small business credit cards without a personal guarantee are very rare. You can earn $750 in bonus cash back after spending $7,500 on your card within three months of account opening. If you run a small business and have good credit, getting approved for a Chase business card shouldn’t be too difficult. Here’s how your spending can make the $95 annual fee worth it. … I'm a sole prop and hope to obtain this card in August. And one of the best travel credit card bonuses available right now. View All Result . I’m still traveling to more than 20 countries each year. 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. I am certain Chase wants to see an established business first before they grant a CC. This is another card tailored for travelers with excellent credit and a growing business. This is our top pick for a business credit card. I got an Ink cash card in sept. 2013. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Thanks in advance, Ah ok. Wondering if it's worth applying for the account. You can also earn 2% cash back on the first $25,000 spent … You can get pre-approved for all the Chase cards through Chase's pre-qualification application. Taxes; Investment; Videos; No Result. Shame since that gives the highest rewards for paying your bills. 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. Here's how you can qualify for a business credit card, even without a "business." We got ours done fairly quickly since we had the tax docs to prove everything. 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. As a cardholder of the no annual fee Chase Ink Business Cash Credit Card, I'm here to highlight why everybody, not just business owners should own this card. 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. If you've ever felt like there must be more to life, this site is for you. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Why Chase Business cards? The last attempt was immediately canceled, making me wonder if my account was about to get locked out from suspicious activity. 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. Chase recon calls for business credit cards can be much tougher than calls for personal cards. 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. Here’s how your spending can make the $95 annual fee worth it. I’m Chris Guillebeau, the author and publisher of the site. I've read elsewhere that there is no problem getting an Ink line of cards without a proper business to speak of. 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. The three current UR business cards have benefits and categories not found on any other Chase UR cards. There’s also a $750 bonus for spending $7,500 in the first 3 months after opening an 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. What credit score is needed to get a Chase Ink Business card? This is the most valuable. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. 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. Chase Ink Business Cash® credit card. This is especially true with their business credit cards. I got an Ink cash card in sept. 2013. 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. They don't add to 5/24. And it offers new accounts 12 months of 0% APR financing on new purchases. See related: Chase Ink Business Cash vs. Rewards earned on Chase cash-back cards such as the Ink Business Cash and Ink Business Unlimited can be transferred to the card, and then used as full-fledged Chase Ultimate Rewards points. The perks include multiple ways cardholders can earn travel reward points. So instead of getting 5 personal Chase cards, you can get 8-9 in the first two years. So instead of getting 5 personal Chase cards, you can get 8-9 in the first two years. Copyright ©2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. This card has no annual fee. If you’re denied or not instantly approved for a Chase business credit card, theres a good chance you’ll need to call the Chase business reconsideration line. Enter the amount you wish to withdraw. Ending Soon: 50,000 United Mileage Plus Bonus Offer, Mini City Guide: Lauterbrunnen, Switzerland, Limited Time: 50,000 Point Bonus on United Explorer Card, Cooking a Meal from Every Country: Sasha Martin’s Quest for Food & Peace, huge new bonus for the Chase Ink Plus card, The Business Platinum Card from American Express. For the most part, the distinction between “business” and “personal” cards doesn’t matter much. Chase Ink Business Preferred. More details on software and accessibility are available at WebAIM.org. Key facts: Earn 80,000 points after spending $5,000 in the first 3 months. They don't add to 5/24. These days, more and more people are doing some kind of business work. 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) 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. Many factors affect your FICO Scores and the interest rates you may receive. 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. 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. And you can redeem those points for a 25% bonus through Chase Ultimate Rewards, which makes it even better. No Annual Fee. Purchase Protection. They do require that you are under 5/24 to be approved, except for the Marriott Business. 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. The Ink Business Preferred purchase protection covers new purchases against damage or theft for 120 days. For this reason, it’s no surprise that issuers check your personal credit score when you apply for a business card. Read the full review here. Separate business and personal expenses Easily track expenses and maintain records for tax reporting and other business needs. But this new offer is a tremendous one, and if you’re eligible, you shouldn’t miss it. You'll need to provide your name, address, and the … Ink Plus® Business Credit Card at a Glance. The Chase Ink Cash has an increased $750 (75,000 Chase Ultimate Rewards point) bonus, plus 5x and 2x categories and benefits for your small business. 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. 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. I don't think you can get one anymore without an Pros. 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 have the best approval odds with a … 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. I know Chase closed some loopholes because people were using Ink cards for personal spend without having a legit business. Summary of Applying for the Chase Ink Business Preferred. 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. Monday, December 28, 2020. Credit. Flexible options for business owners – Get employee cards for no additional charge and get no foreign transaction fees on purchases made abroad. Similar to the Ink Business Cash, this card earns Chase Ultimate Rewards points at a value of 1 point for 1 cent cash-back. Apply today. 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… Business credit cards are an overlooked way to earn frequent flyer miles. The points remain for as long as the card is active. Correct Success - Chase Ink Business Preferred Credit Card Review The best source of finance News . 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. Anyone here have insight into this ??? The short answer is yes, probably—and there’s nothing deceitful about it. The Chase Ink Business Preferred is quite a rewarding credit card. 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. Along the way I share unconventional strategies and stories on Life, Work, and Travel. The Ink Business Unlimited Card is a business credit card from Chase, not a personal card. 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. Earn unlimited 1 point per $1 on all other purchases. You can add employees to your account for no additional fee and set individual limits for each employee. The Chase business reconsideration line phone number is 1-800-453-9719 and it is usually open 1pm to 10pm Monday through Friday. Further information is available in our FICO Data Privacy Policy. Pay no foreign transaction fees. 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. 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. Go to participating ATMs. Ink Business Preferred® Credit Card. It currently features a $750 sign-up bonus after $7,500 spent in the first three months of account opening, with no annual fee . Cell Phone Protection. 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. The card still offers 50,000 points and has gone back to having no annual fee in the first year. Large corporations with tens of millions of dollars in annual revenue can get corporate credit card accounts using their assets as collateral. Earn cash back and rewards on your business expenses and purchases. 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. The short answer is yes, probably—and there’s nothing deceitful about it. Of course, you will also need business income to qualify and be at least 18 years old. For the most part, the distinction between “business” and “personal” cards doesn’t matter much. 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. ****. This is especially true with their business credit cards. If you receive any income whatsoever apart from a paycheck from a company, you are essentially self-employed at least part of the time. 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. That said, you’ll likely be asked to provide proof that you’re running a for-profit venture. You should never get a credit card that you can’t use responsibly by paying off the balance each month. This benefit covers up to $10,000 per claim with a maximum of $50,000 per year. Wasn't an instant approval so I just waited until I got my card in the mail with the limit. Chase Ink Business Preferred℠ Credit Card. The Chase Ink Business Preferred credit card's 100,000-point sign-up bonus and flexible rewards program are worth it. You are able to use points to book travel on Chase Ultimate Rewards but only at the rate of 1 cent = 1 point (whereas your points are worth 25% more with the Ink Preferred). Insurance ; loans business work s no surprise that issuers check your credit! To agree to personally pay any balances the business owner, you will also need business income to qualify be..., the distinction between “ business ” and “ personal ” cards doesn ’ t miss it like Ink... To see an established business first before they grant a CC Chase, not a repair! Welcome bonus by suggesting possible matches as you type a member of the company almost always has agree... The distinction between “ business ” and “ personal ” cards doesn ’ t matter much gives the highest for. Done fairly quickly since we had the tax ID and income so i just waited i! 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