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For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: https://www.flyertalk.com/forum/chas...ds-2023-a.html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 25, 2025 | 7:03 am
#181
Join Date: Nov 2007
Programs: Marriott Bonvoy Platinum, Hilton Honors Diamond, Delta Gold
Posts: 6,534
Well, yes, but too late for that now. In addition, if she hadn't removed those credit lines from being associated with me then they couldn't approve the new card unless I was ready to submit all necessary financials to prove that I can be eligible to hold such a large total credit limit with Chase. So obviously for me it was easier to have them remove all those lines from my profile to bring down the total to an acceptable level and then move credit from an existing open line.
Jun 25, 2025 | 5:17 pm
#182
FlyerTalk Evangelist
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA 1MM, WN CP, Marriott LT Plat, Hilton Gold, IC Plat
Posts: 17,922
Has anyone recently tested 5/24 to see if that is still a requirement? My understanding is that it remains in place, even with the new evaluation criteria
Also I am told the pop up window (or lack thereof) is no guarantee of approval. Which I guess makes sense if the pop up is based on your SUB eligibility rather than credit record.
Sorry but exactly how do you navigate to this offer? Because I see nothing when I login to my Chase Biz accounts, and no drop-down menu that applies.
Also I am told the pop up window (or lack thereof) is no guarantee of approval. Which I guess makes sense if the pop up is based on your SUB eligibility rather than credit record.
Sorry but exactly how do you navigate to this offer? Because I see nothing when I login to my Chase Biz accounts, and no drop-down menu that applies.
Jun 25, 2025 | 5:41 pm
#183
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
Jul 1, 2025 | 6:00 pm
#184
Join Date: Jun 2004
Location: DCA
Posts: 927
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.
She asked me several questions about the nature of the business and also asked why I need another card for it. I answered that I only have the Unlimited from Chase for this business but I did have an Amex Plat Biz for it too and I was looking to move to a different premium card due to the proposed upcoming changes and increase in fees for that card, so this was a great opportunity for us to move this spend to a Chase premium card
. I was put on hold several times to have my card limits cleaned up (again!) and also between asking questions and some more questions but I was ultimately approved with credit being moved from another card (which I was perfectly fine with).
She asked me several questions about the nature of the business and also asked why I need another card for it. I answered that I only have the Unlimited from Chase for this business but I did have an Amex Plat Biz for it too and I was looking to move to a different premium card due to the proposed upcoming changes and increase in fees for that card, so this was a great opportunity for us to move this spend to a Chase premium card
. I was put on hold several times to have my card limits cleaned up (again!) and also between asking questions and some more questions but I was ultimately approved with credit being moved from another card (which I was perfectly fine with).New card will arrive tomorrow.
Jul 2, 2025 | 9:23 am
#185
Join Date: Jan 2000
Programs: Free agent
Posts: 1,389
I've read through the post and don't see any comments about the "Review" stage for the new CSR Business. For anyone that has gone into review how long has it taken and what were the results? I currently have no Chase business cards in my name but do have a Sapphire Preferred and Freedom personal card. I'm over 5/24 overall but a few of those are business cards.
I didn't get the pop-up so I assume I'm OK on the SUB if I get approved?
I didn't get the pop-up so I assume I'm OK on the SUB if I get approved?
Jul 2, 2025 | 9:27 am
#186
Join Date: Oct 2013
Posts: 370
We did this even before they started with this whole discount pop-up jail thing, but I think it makes even more sense now because how are you ever able to prove you DIDN'T get a pop-up notice saying you weren't eligible. You can't prove a negative.
Jul 2, 2025 | 9:33 am
#187
Join Date: Jun 2004
Location: DCA
Posts: 927
I've read through the post and don't see any comments about the "Review" stage for the new CSR Business. For anyone that has gone into review how long has it taken and what were the results? I currently have no Chase business cards in my name but do have a Sapphire Preferred and Freedom personal card. I'm over 5/24 overall but a few of those are business cards.
I didn't get the pop-up so I assume I'm OK on the SUB if I get approved?
I didn't get the pop-up so I assume I'm OK on the SUB if I get approved?
Jul 2, 2025 | 12:37 pm
#188
Join Date: Jan 2000
Programs: Free agent
Posts: 1,389
I've called twice and both times I've been told that they need no more information and can't tell me why it's held up, only to wait. Every other experience I've had with Chase and the reconsideration line has resulted them either needing clarification or to move a credit line around between cards, I've never had it be nothing.
Jul 2, 2025 | 8:26 pm
#189
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
Outstanding, words to live by.
If it isn’t written down, it didn’t happen. If you don’t have a copy, it isn’t written down.
Agreed, the best you can do is accumulate and save evidence (screenshots).
“Just because you're paranoid doesn't mean they're not out to get you.”
(Joseph Heller novel "Catch-22", actually “Just because you're paranoid doesn't mean they aren't after you.”)
Agreed, the best you can do is accumulate and save evidence (screenshots).
(Joseph Heller novel "Catch-22", actually “Just because you're paranoid doesn't mean they aren't after you.”)
Jul 3, 2025 | 11:45 am
#190
Join Date: Apr 2021
Posts: 85
What's the conventional wisdom these days with Ink cooldown periods? I was planning on sticking to every 6 months going forward (with P2 offset), but recently saw that the refer-a-friend bonus is going away in the fall. I'm probably overreacting, but thinking about applying on a more frequent basis in case this is a sign that it will be harder/impossible to churn Inks in the future.
Currently have 3 open biz cards - most recent being a United Biz (opened Apr'25), and a CIP the most recent Ink (opened Jul'24).
Currently have 3 open biz cards - most recent being a United Biz (opened Apr'25), and a CIP the most recent Ink (opened Jul'24).
Jul 3, 2025 | 8:14 pm
#191
FlyerTalk Evangelist
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA 1MM, WN CP, Marriott LT Plat, Hilton Gold, IC Plat
Posts: 17,922
I'm now 5/24 so won't have a chance to add more test data until the end of the year. YMMV
Jul 7, 2025 | 12:04 pm
#192
Join Date: Apr 2024
Posts: 74
Just got hit with an instant denial for Ink Cash. My last Ink approval was 10/22/2024. I just closed a previous Ink on 6/27/2025 so only 1 open Ink.
I messed up royally by having P2 add me to her Amex gold card as an AU in May for a small bonus, not knowing that would show up on my report as an open account (and putting me at 5/24).
I called the recon line and explained the issue with the AU account however he said that "wasn't on the line item" and still denied me.
Any suggestions? HUCA?
I messed up royally by having P2 add me to her Amex gold card as an AU in May for a small bonus, not knowing that would show up on my report as an open account (and putting me at 5/24).
I called the recon line and explained the issue with the AU account however he said that "wasn't on the line item" and still denied me.
Any suggestions? HUCA?
Jul 7, 2025 | 12:12 pm
#193
Join Date: Mar 2024
Location: Boston
Posts: 225
Just got hit with an instant denial for Ink Cash. My last Ink approval was 10/22/2024. I just closed a previous Ink on 6/27/2025 so only 1 open Ink.
I messed up royally by having P2 add me to her Amex gold card as an AU in May for a small bonus, not knowing that would show up on my report as an open account (and putting me at 5/24).
I called the recon line and explained the issue with the AU account however he said that "wasn't on the line item" and still denied me.
Any suggestions? HUCA?
I messed up royally by having P2 add me to her Amex gold card as an AU in May for a small bonus, not knowing that would show up on my report as an open account (and putting me at 5/24).
I called the recon line and explained the issue with the AU account however he said that "wasn't on the line item" and still denied me.
Any suggestions? HUCA?
Jul 7, 2025 | 12:13 pm
#194
Join Date: Apr 2024
Posts: 74
- Number of recently opened accounts on consumer credit report
- Business structure
- Insufficient business deposit relationship with us
Jul 7, 2025 | 12:16 pm
#195
Join Date: Mar 2024
Location: Boston
Posts: 225
Same generic ones. Maybe try again in 30 days. I usually wait until I notice the option to apply for any chase cards in my account. I am going to try to do 2 max going forward and hope for the best.