Jan 14, 2025, 10:26 am
Last edit by: mia
In April 2020 Chase criteria for approving BUSINESS card applications became more stringent. All Chase INK products are business cards. Chase also issues co-branded business cards for United Airlines (2 different biz cards), Southwest Airlines (2 different biz cards), Hyatt and IHG.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: https://www.flyertalk.com/forum/chas...ds-2023-a.html
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 that name to apply. Otherwise, use only 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: The automated Status Line often shows no record of business card applications. This does NOT mean that there is a problem with your application. You will need to contact Chase to learn the status, or wait for Chase to contact you.
You can use a single Username on chase.com to manage both Business and Personal card accounts, but you will initially need to set them up separately, and then telephonically ask customer service to combine them by merging the Personal account into the Business account. It cannot be done the other way. Once personal account is merged to business account, if all business cards are closed while keeping one (or more) personal cards open, online access to all cards will terminate and a new personal (online) account will need to be created using a different username than previous personal account.
Update: It is possible now to link Business and Personal accounts online. First set them up separately, then log into the Business account and follow this click path: Icon at the top right that looks like a person -> Profile & Settings -> Account Settings -> Manage Linked Accounts. Then look for the "Link relationship" option for the personal accounts. For more information on linking accounts: How to link Chase personal and business accounts?
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: https://www.flyertalk.com/forum/chas...ds-2023-a.html
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 that name to apply. Otherwise, use only 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: The automated Status Line often shows no record of business card applications. This does NOT mean that there is a problem with your application. You will need to contact Chase to learn the status, or wait for Chase to contact you.
You can use a single Username on chase.com to manage both Business and Personal card accounts, but you will initially need to set them up separately, and then telephonically ask customer service to combine them by merging the Personal account into the Business account. It cannot be done the other way. Once personal account is merged to business account, if all business cards are closed while keeping one (or more) personal cards open, online access to all cards will terminate and a new personal (online) account will need to be created using a different username than previous personal account.
Update: It is possible now to link Business and Personal accounts online. First set them up separately, then log into the Business account and follow this click path: Icon at the top right that looks like a person -> Profile & Settings -> Account Settings -> Manage Linked Accounts. Then look for the "Link relationship" option for the personal accounts. For more information on linking accounts: How to link Chase personal and business accounts?
Applying for Chase BUSINESS Cards (2025-26)
Jun 24, 2025 | 2:01 pm
#166
Join Date: Apr 2024
Posts: 74
Applied for the new Sapphire Business card and it was dj vu all over again. Application went into review. I called and they told me that my aggregate credit limit was above what was allowed. I told them that I'm very exasperated because I had previously spent hours on the phone to resolve this due to having duplicate and closed cards showing and being included in my total limit and could not believe that we're back to square 1 - I knew with certainty that I am not over their total CL allowed both for personal and business cards, plus I also told them I was ready to move credit from an existing business card for which I've applied.
Jun 24, 2025 | 2:34 pm
#167
Join Date: Feb 2009
Posts: 7,061
Ok a tad different situation as this has never happened to us before. Our player 3 is my dad who does not travel and we use his points, he had 3 open Chase business cards and was denied another card and I figured it was the 3 business card max many are seeing lately.
I cancelled his 3rd business card and applied again about a 6 weeks later for an INK card he has never had and he was denied.
The letter said they suspected fraud and denied the application, I may has mistyped something or maybe it was because I applied at work vs our usual home internet, etc, etc
They said he can call fraud so I'm trying to figure the best way to play this as I don't want my 85 year old dad drilled with questions but wonder if he should call just so say it was him who applied, verify who he is and say he will apply again online.
I believe options are,
1. Ignore it and just apply again from home in a couple months or so.
2. Have him call and verify it was him but ( if it's even possible) not reopen the application as I want to make sure I get my 20K referral points and I don't want him drilled with startup business questions..
Any other ideas ?
Thanks
I cancelled his 3rd business card and applied again about a 6 weeks later for an INK card he has never had and he was denied.
The letter said they suspected fraud and denied the application, I may has mistyped something or maybe it was because I applied at work vs our usual home internet, etc, etc
They said he can call fraud so I'm trying to figure the best way to play this as I don't want my 85 year old dad drilled with questions but wonder if he should call just so say it was him who applied, verify who he is and say he will apply again online.
I believe options are,
1. Ignore it and just apply again from home in a couple months or so.
2. Have him call and verify it was him but ( if it's even possible) not reopen the application as I want to make sure I get my 20K referral points and I don't want him drilled with startup business questions..
Any other ideas ?
Thanks
Jun 24, 2025 | 2:37 pm
#168
Join Date: Apr 2024
Posts: 74
Ok a tad different situation as this has never happened to us before. Our player 3 is my dad who does not travel and we use his points, he had 3 open Chase business cards and was denied another card and I figured it was the 3 business card max many are seeing lately.
I cancelled his 3rd business card and applied again about a 6 weeks later for an INK card he has never had and he was denied.
The letter said they suspected fraud and denied the application, I may has mistyped something or maybe it was because I applied at work vs our usual home internet, etc, etc
They said he can call fraud so I'm trying to figure the best way to play this as I don't want my dad drilled with questions but wonder if he should call just so say it was him who applied, verify who he is and say he will apply again online.
My believe options are this,
1. Ignore it and just apply again from home in a couple months or so.
2. Have him call and verify it was him but ( if it's even possible) not reopen the application as I want to make sure I get my 20K referral points and I don't want him drilled with startup business questions..
Any other ideas ?
Thanks
I cancelled his 3rd business card and applied again about a 6 weeks later for an INK card he has never had and he was denied.
The letter said they suspected fraud and denied the application, I may has mistyped something or maybe it was because I applied at work vs our usual home internet, etc, etc
They said he can call fraud so I'm trying to figure the best way to play this as I don't want my dad drilled with questions but wonder if he should call just so say it was him who applied, verify who he is and say he will apply again online.
My believe options are this,
1. Ignore it and just apply again from home in a couple months or so.
2. Have him call and verify it was him but ( if it's even possible) not reopen the application as I want to make sure I get my 20K referral points and I don't want him drilled with startup business questions..
Any other ideas ?
Thanks
Jun 24, 2025 | 3:14 pm
#170
Join Date: Nov 2007
Programs: Marriott Bonvoy Platinum, Hilton Honors Diamond, Delta Gold
Posts: 6,534
Ok a tad different situation as this has never happened to us before. Our player 3 is my dad who does not travel and we use his points, he had 3 open Chase business cards and was denied another card and I figured it was the 3 business card max many are seeing lately.
I cancelled his 3rd business card and applied again about a 6 weeks later for an INK card he has never had and he was denied.
The letter said they suspected fraud and denied the application, I may has mistyped something or maybe it was because I applied at work vs our usual home internet, etc, etc
They said he can call fraud so I'm trying to figure the best way to play this as I don't want my 85 year old dad drilled with questions but wonder if he should call just so say it was him who applied, verify who he is and say he will apply again online.
I believe options are,
1. Ignore it and just apply again from home in a couple months or so.
2. Have him call and verify it was him but ( if it's even possible) not reopen the application as I want to make sure I get my 20K referral points and I don't want him drilled with startup business questions..
Any other ideas ?
Thanks
I cancelled his 3rd business card and applied again about a 6 weeks later for an INK card he has never had and he was denied.
The letter said they suspected fraud and denied the application, I may has mistyped something or maybe it was because I applied at work vs our usual home internet, etc, etc
They said he can call fraud so I'm trying to figure the best way to play this as I don't want my 85 year old dad drilled with questions but wonder if he should call just so say it was him who applied, verify who he is and say he will apply again online.
I believe options are,
1. Ignore it and just apply again from home in a couple months or so.
2. Have him call and verify it was him but ( if it's even possible) not reopen the application as I want to make sure I get my 20K referral points and I don't want him drilled with startup business questions..
Any other ideas ?
Thanks
Jun 24, 2025 | 3:29 pm
#171
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold 1.2MM (BIS), AA LT Plat (SUBs, BD/Bask), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 4,519
You answered the question yourself: the opposite of what we optimizers and/or churners do. Carry a balance (so Chase profits on finance fees), miss or delay payments occasionally (so Chase profits on those fees), apply for 1 card once every 25 years (0 or 1 SUB), use that 1 card for all and high spend (no category bonuses), definitely not a customer who takes advantage of various benefits.
Jun 24, 2025 | 3:42 pm
#172
Join Date: Apr 2024
Posts: 74
You answered the question yourself: the opposite of what we optimizers and/or churners do. Carry a balance (so Chase profits on finance fees), miss or delay payments occasionally (so Chase profits on those fees), apply for 1 card once every 25 years (0 or 1 SUB), use that 1 card for all and high spend (no category bonuses), definitely not a customer who takes advantage of various benefits.
.
Jun 24, 2025 | 3:51 pm
#175
Join Date: Nov 2007
Location: PHX
Posts: 4,813
Well, I don't really know what makes a good customer. I just meant that I actually bank at Chase. I have a business account with them, which I use. I have deposit accounts, and I use their cards frequently. And I've been with them for many years. So, if you were a banker looking at my account, you wouldn't think I'm just in it for the points.
Jun 24, 2025 | 3:55 pm
#176
Join Date: Oct 2013
Posts: 370
You answered the question yourself: the opposite of what we optimizers and/or churners do. Carry a balance (so Chase profits on finance fees), miss or delay payments occasionally (so Chase profits on those fees), apply for 1 card once every 25 years (0 or 1 SUB), use that 1 card for all and high spend (no category bonuses), definitely not a customer who takes advantage of various benefits.
If you aren't that customer, you can still be a solid customer by utilizing other bank services (deposit accounts, investments, swipe fee volume, etc). That is the premise of programs like BoA's Preferred Rewards, US Bank's Smartly, etc. The bank probably won't make as much money off you as they would someone who pays them a lot of interest (and eventually pays them back), but they need the other type of customer to mitigate risk, so they're willing to make less on them in the process.
Banks and casinos share a lot more in common then one side would like to admit. The house (almost) always wins.
Jun 24, 2025 | 4:05 pm
#177
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold 1.2MM (BIS), AA LT Plat (SUBs, BD/Bask), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 4,519
Depends on the viewpoint and the definition and level of “good” (very good, pretty good, almost good).
Agreed, a good customer is one who has and/or does all that … and does NOT churn and/or optimize and/or redeem at all.
Me too, including a 7 figure balance linked JPM brokerage account. But insofar as CCs are concerned I am most definitely “just in it” for the miles and points, almost primarily intellectual challenge entertainment hobby as I’ve earned and saved many more miles and points than I’ll use in my lifetime. I have no idea if Chase considers me to be a “good customer” and/or if and how profitable I am, they might simply “tolerate me” and my overall activity.
Me too, including a 7 figure balance linked JPM brokerage account. But insofar as CCs are concerned I am most definitely “just in it” for the miles and points, almost primarily intellectual challenge entertainment hobby as I’ve earned and saved many more miles and points than I’ll use in my lifetime. I have no idea if Chase considers me to be a “good customer” and/or if and how profitable I am, they might simply “tolerate me” and my overall activity.
Jun 24, 2025 | 7:10 pm
#178
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; HH Gold
Posts: 51,741
Jun 24, 2025 | 7:52 pm
#179
Join Date: Nov 2007
Programs: Marriott Bonvoy Platinum, Hilton Honors Diamond, Delta Gold
Posts: 6,534
If I need to move things around some more from other Biz cards under other businesses I can now do that myself online.
Jun 24, 2025 | 11:22 pm
#180
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; HH Gold
Posts: 51,741