Apr 29, 2020, 12:53 pm
Last edit by: mia
In April 2020 Chase criteria for approving BUSINESS card applications have become more stringent. All Chase INK products are business cards. Chase also issues co-branded business cards for United Airlines and Southwest Airlines.
Chase business cards are subject to the 5/24 restriction. Approval of a Chase business application has not increased the N/24 count, but there are a few reports in the 4th quarter of 2022 that this may have changed, review THIS thread. There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: HERE
Anyone can apply for a business card as a sole proprietor. If your business has a registered company name, which Chase can verify, you may use the name to apply. Otherwise, use your legal First and Last name as the business name. Do not add any extra words, do not use a made up name. If Chase cannot verify the name the application will fail.
Useful Chase telephone numbers
(888) 269-8690 - Business Credit Card Application Status Line, automated
(800) 453-9719 – Business Credit Card Reconsideration Line with live rep
(800) 453-9719 – Credit Reallocation Office (Business cards)
(888) 622-7547 – Executive Offices
Twitter: @ChaseSupport
Note: In the past, automated telephone status reports stating that Chase would notify you in 2 weeks often resulted in an approval, whereas the "7-10 days" telephone recording often indicated imminent denial. In 2016, this pattern became increasingly unpredictable, with many applicants receiving approval despite an earlier "7-10 days" automated telephone message. As a result, automated telephone responses should not be regarded as reliable indicators of an application's likely outcome.
?? Chase business credit cards [must / may] use [the same / a different] user name [as / from] personal cards. The same [applies / does not apply] to the e-mail address used. ??
Chase business cards are subject to the 5/24 restriction. Approval of a Chase business application has not increased the N/24 count, but there are a few reports in the 4th quarter of 2022 that this may have changed, review THIS thread. There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: HERE
Anyone can apply for a business card as a sole proprietor. If your business has a registered company name, which Chase can verify, you may use the name to apply. Otherwise, use your legal First and Last name as the business name. Do not add any extra words, do not use a made up name. If Chase cannot verify the name the application will fail.
Useful Chase telephone numbers
(888) 269-8690 - Business Credit Card Application Status Line, automated
(800) 453-9719 – Business Credit Card Reconsideration Line with live rep
(800) 453-9719 – Credit Reallocation Office (Business cards)
(888) 622-7547 – Executive Offices
Twitter: @ChaseSupport
Note: In the past, automated telephone status reports stating that Chase would notify you in 2 weeks often resulted in an approval, whereas the "7-10 days" telephone recording often indicated imminent denial. In 2016, this pattern became increasingly unpredictable, with many applicants receiving approval despite an earlier "7-10 days" automated telephone message. As a result, automated telephone responses should not be regarded as reliable indicators of an application's likely outcome.
?? Chase business credit cards [must / may] use [the same / a different] user name [as / from] personal cards. The same [applies / does not apply] to the e-mail address used. ??
Applying for Chase BUSINESS Cards (April 2020 - 2022)
Jul 20, 2020, 9:41 pm
#46
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Looks like the links for business card applications have been pulled, and only personal currently remain?
https://creditcards.chase.com/a1/sou...sF20?CELL=6RHZ
https://creditcards.chase.com/a1/sou...sF20?CELL=6RHZ
https://creditcards.chase.com/card-f...hero&CELL=6303
which (once you scroll through the list) shows the Southwest Business Peformance card among other business cards.
Ie, they simply don't list personal and business cards together. So if you go to a business card list, you won't see personal cards, and if you go a personal cards list, you won't see business cards, because Chase assumes that it's most often different people applying for personal vs business cards. Chase doesn't assume you're just interested in any card that earns points!
Jul 21, 2020, 8:07 am
#47
Join Date: Feb 2009
Posts: 6,598
No, you just have to go back to that first part of the URL (https://creditcards.chase.com), then you get to choose Business cards, and you can get to a page like this:
https://creditcards.chase.com/card-f...hero&CELL=6303
which (once you scroll through the list) shows the Southwest Business Peformance card among other business cards.
Ie, they simply don't list personal and business cards together. So if you go to a business card list, you won't see personal cards, and if you go a personal cards list, you won't see business cards, because Chase assumes that it's most often different people applying for personal vs business cards. Chase doesn't assume you're just interested in any card that earns points!
https://creditcards.chase.com/card-f...hero&CELL=6303
which (once you scroll through the list) shows the Southwest Business Peformance card among other business cards.
Ie, they simply don't list personal and business cards together. So if you go to a business card list, you won't see personal cards, and if you go a personal cards list, you won't see business cards, because Chase assumes that it's most often different people applying for personal vs business cards. Chase doesn't assume you're just interested in any card that earns points!
I see a total 5 Chase Business cards to choose from , 3 are INK, one SW and one UA card................the INK Preferred is 100K but a $15K spend..............with us not travelling I could only do a legit spend of $15K around tax time
I already have the performance business card under a Sole Proprietor which has a different login.
The SW business card comes up as "my offer" and the application only asks my income , title and business type...........Keep in mind the business account this shows up in is for a legit business I used to own but still have an INK card under, the card has been used monthly for 5 plus years and has a $15K CL..............that history may be why I see the offer.
The INK card apps want full business info...............years in business, employees, etc,etc,etc
Last edited by flyer4512; Jul 21, 2020 at 4:04 pm
Jul 21, 2020, 3:12 pm
#48
Join Date: Mar 2011
Posts: 6,286
No, you just have to go back to that first part of the URL (https://creditcards.chase.com), then you get to choose Business cards, and you can get to a page like this:
https://creditcards.chase.com/card-f...hero&CELL=6303
which (once you scroll through the list) shows the Southwest Business Peformance card among other business cards.
Ie, they simply don't list personal and business cards together. So if you go to a business card list, you won't see personal cards, and if you go a personal cards list, you won't see business cards, because Chase assumes that it's most often different people applying for personal vs business cards. Chase doesn't assume you're just interested in any card that earns points!
https://creditcards.chase.com/card-f...hero&CELL=6303
which (once you scroll through the list) shows the Southwest Business Peformance card among other business cards.
Ie, they simply don't list personal and business cards together. So if you go to a business card list, you won't see personal cards, and if you go a personal cards list, you won't see business cards, because Chase assumes that it's most often different people applying for personal vs business cards. Chase doesn't assume you're just interested in any card that earns points!
Previously, both personal and business cards were shown together on the Southwest website but all business cards have been pulled and that page only shows personal.
I can't seem to find a link anywhere to apply for a Southwest business card that doesn't require an existing Chase account.
Jul 21, 2020, 4:09 pm
#49
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Correct. It has been this way, for all Chase business cards, since April 2020. This does not mean there are no application links, only that you must login to use one.
Jul 21, 2020, 9:36 pm
#50
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Join Date: Jan 2005
Location: home = LAX
Posts: 25,932
Did you read the beginning of this thread? Chase made it incredibly harder (in several different ways, the online login requirement not being actually the hardest) to apply for Chase business cards in April 2020. That's why this a new thread specifically about Chase business cards from April 2020 onward.
So if you haven't yet, please go back to the beginning of this thread to see why this is a thread that started only in April 2020.
Chase obviously does not want most people to apply for Chase business credit cards (without a deep business history and an established relationship with Chase) during the economic downturn caused by Covid-19. While pre-April-2020 applying for business cards at Chase worked fine if you applied as if you had no business (your name as company name, your address as company address, your phone as company phone, sole propietor, no years in business, no business income yet), now that's pretty much guaranteed denial at Chase. But if you don't have an established business, lying about having one can get you in big trouble too. So that's what I mean by they simply don't want most people to apply for Chase business cards right now.
Last edited by sdsearch; Jul 21, 2020 at 9:41 pm
Aug 4, 2020, 5:39 pm
#52
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Has anyone applied for Ink Preferred and gotten the bonus a second time?
I used a fake business name when I previously had the Ink Preferred.
Now would I try to use the same name? I have the Ink Cash and the Ink Unlimited under this business name with them.
I used a fake business name when I previously had the Ink Preferred.
Now would I try to use the same name? I have the Ink Cash and the Ink Unlimited under this business name with them.
Aug 4, 2020, 6:42 pm
#53
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If you apply for a Chase business card using anything other than your legal first and last names as the business name, Chase will seek to verify that the business is registered under that name. The existence of other Chase accounts using the name does not appear to overcome this requirement.
Aug 4, 2020, 7:50 pm
#54
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Not overcome but maybe raise questions, why I have two other business cards with them with a business name and a new app. without one.
Aug 4, 2020, 8:35 pm
#55
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Wow the current Ink Preferred offer requires a spend of $15k!
Aug 5, 2020, 11:24 am
#56
Join Date: Aug 2007
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Aug 6, 2020, 1:27 pm
#57
Join Date: Mar 2005
Location: Kansas City, MO
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Posts: 3,648
which card to apply for?
My husbands's Ink Business Preferred card is up for renewal in September. I was going to have him apply for a new one under a different business name used in the past and get a bonus, then close this card before paying the annual fee. I don't know what to do now. He has over 400K UR points in his account that of course he needs to keep. Which card should I have him apply for to get the maximum bonus and benefits for? Our goal is to get UR points since we plan to use them for transfer to United and travel on award tickets at some point in the future when travel resumes.
Aug 9, 2020, 6:45 pm
#58
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My husbands's Ink Business Preferred card is up for renewal in September. I was going to have him apply for a new one under a different business name used in the past and get a bonus, then close this card before paying the annual fee. I don't know what to do now. He has over 400K UR points in his account that of course he needs to keep. Which card should I have him apply for to get the maximum bonus and benefits for? Our goal is to get UR points since we plan to use them for transfer to United and travel on award tickets at some point in the future when travel resumes.
So don't assume that he will be approved for any new business card, the most you can do is hope that he will.
I would say the no-AF Ink Business Cash, which despite the name earns UR points, and earns 5x at office supply stores and for phone/internet providers. It can be a keeper if you have routine phone/internet expenses you can set up for auto-pay with it.
You should have a plan for what to do if he's denied and he has have no time left to try again before you have a make a decision on the Ink Preferred. Perhaps (I don't know for sure) he could downgrade from the Ink Preferred to the Ink Cash (foregoing any signup bonus in that case) and keep the UR points, since both are business UR cards? Or else just keep Preferred for another year (after trying for a retention offer)?
Last edited by sdsearch; Aug 9, 2020 at 6:51 pm
Aug 10, 2020, 9:21 am
#59
Join Date: Mar 2005
Location: Kansas City, MO
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I would say the no-AF Ink Business Cash, which despite the name earns UR points, and earns 5x at office supply stores and for phone/internet providers. It can be a keeper if you have routine phone/internet expenses you can set up for auto-pay with it.
You should have a plan for what to do if he's denied and he has have no time left to try again before you have a make a decision on the Ink Preferred. Perhaps (I don't know for sure) he could downgrade from the Ink Preferred to the Ink Cash (foregoing any signup bonus in that case) and keep the UR points, since both are business UR cards? Or else just keep Preferred for another year (after trying for a retention offer)?
Aug 10, 2020, 9:42 am
#60
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