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For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: https://www.flyertalk.com/forum/chas...ds-2023-a.html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)
Oct 26, 2025 | 2:30 pm
#256
Moderator: Southwest Airlines, Capital One
Join Date: Sep 1999
Location: California
Programs: WN A-list preferred, United Club Lietime (sic) Member
Posts: 22,787
I looked at the Ink Unlimited 90k terms today and saw something discouraging:
Chase is killing churning for UR. I can't blame them.
I am going to consider myself a free agent now, no longer constrained to 5/24 by Chase. I have enough UR points for quite a while, and I am shifting to cards which earn AA and AS miles.
Edit: With Southwest's recent devolution, I'm now a free agent for domestic air travel as well. Frontier made a successful play to win Southwest customers, and I fly them when their schedule fits. I've also flown AA, AS, and UA this year. I flew 50+ trips on Southwest this year, but my top status will be worth barely more than a credit card in 2026.
11) The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee. We may also consider factors pertinent to your business in determining your bonus eligibility.
I am going to consider myself a free agent now, no longer constrained to 5/24 by Chase. I have enough UR points for quite a while, and I am shifting to cards which earn AA and AS miles.
Edit: With Southwest's recent devolution, I'm now a free agent for domestic air travel as well. Frontier made a successful play to win Southwest customers, and I fly them when their schedule fits. I've also flown AA, AS, and UA this year. I flew 50+ trips on Southwest this year, but my top status will be worth barely more than a credit card in 2026.
Last edited by nsx; Oct 26, 2025 at 2:50 pm
Oct 26, 2025 | 7:31 pm
#257
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
The writing has been on the wall for a while, was just a matter of time. Now ALL credit card issuers have some sort of anti-Charing policies. Yet another example (in FF World) of needing to strike while the iron is hot.
FWIW, this morning NOT all Chase Ink no-AF card applications have lifetime language so the iron may still be hot for some people. Google search on iPad right now resulted in several NLL links.
(And also another reason, even with many devaluations, why “earn and spend judiciously and SAVE” may be a more prudent strategy than “earn and burn“. I believe points and miles have actually increased in value over the past several years because acquisition opportunities have decreased and at the same time acquisition costs have increased dramatically.)
FWIW, this morning NOT all Chase Ink no-AF card applications have lifetime language so the iron may still be hot for some people. Google search on iPad right now resulted in several NLL links.
(And also another reason, even with many devaluations, why “earn and spend judiciously and SAVE” may be a more prudent strategy than “earn and burn“. I believe points and miles have actually increased in value over the past several years because acquisition opportunities have decreased and at the same time acquisition costs have increased dramatically.)
Last edited by Dr Jabadski; Oct 27, 2025 at 6:15 am Reason: parenthetical comment added last night, morning comment just added
Oct 27, 2025 | 10:16 am
#258
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 5,221
Yet they are still approving new ones with rediculous limits
Oct 27, 2025 | 6:22 pm
#259
Join Date: Aug 2022
Posts: 34
I looked at the Ink Unlimited 90k terms today and saw something discouraging:
Chase is killing churning for UR. I can't blame them.
I am going to consider myself a free agent now, no longer constrained to 5/24 by Chase. I have enough UR points for quite a while, and I am shifting to cards which earn AA and AS miles.
Edit: With Southwest's recent devolution, I'm now a free agent for domestic air travel as well. Frontier made a successful play to win Southwest customers, and I fly them when their schedule fits. I've also flown AA, AS, and UA this year. I flew 50+ trips on Southwest this year, but my top status will be worth barely more than a credit card in 2026.
Chase is killing churning for UR. I can't blame them.
I am going to consider myself a free agent now, no longer constrained to 5/24 by Chase. I have enough UR points for quite a while, and I am shifting to cards which earn AA and AS miles.
Edit: With Southwest's recent devolution, I'm now a free agent for domestic air travel as well. Frontier made a successful play to win Southwest customers, and I fly them when their schedule fits. I've also flown AA, AS, and UA this year. I flew 50+ trips on Southwest this year, but my top status will be worth barely more than a credit card in 2026.
The plot thickens for my latest Ink app. I got a secure letter today and I immediately thought it was a denial, but it was asking me to verify my identity, which I did over the phone by hitting a button on the keypad and they said my application is under review. Fingers crossed, but if it doesn't go through, I really will be done with Chase, because I don't want to waste any more hard pulls on this nonsense (wasted 3-4 already this year).
If Amex continues leaving me in PUJ, I'll have to go all-in on BofA. Nothing necessarily wrong with that, but travel will get much more expensive for us
Oct 27, 2025 | 9:17 pm
#260
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
Oct 28, 2025 | 6:52 pm
#261
Join Date: Aug 2022
Posts: 34
Come again? I don't churn, and all of my spend is natural (personal and biz), so certainly being "stuck" with 2-5.25% cash back is relatively bad compared to picking up travel reward sign up bonuses which often net me 10%+ of my spend.
Oct 28, 2025 | 9:41 pm
#262
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
Sorry if I was confusing. I simply meant that BOA also has anti-churning policies, which may be even worse than Chases new policies and which have caused me personally a fair amount of wasted time and aggravation. Im also not a fan of cash-back, so any cash-back to me is a poor substitute (sour grapes) for points or miles.
Oct 28, 2025 | 9:46 pm
#263
Join Date: Aug 2022
Posts: 34
Sorry if I was confusing. I simply meant that BOA also has anti-churning policies, which may be even worse than Chase’s new policies and which have caused me personally a fair amount of wasted time and aggravation. I’m also not a fan of cash-back, so any cash-back to me is a poor substitute (sour grapes) for points or miles.
I can't quite complain now as P2 just got a big Amex SUB so we have a 90 day runway for now.
Nov 17, 2025 | 2:37 pm
#264
Join Date: Dec 2011
Posts: 137
Currently have 3 Inks with total CL about 33k and below 5/24 limit. Last Ink approval was ~15months ago.
With potentially new lifetime rules in place, and also may apply with referral link, how and when during app process will it inform if the app is eligible for the SUB. Popup or something similar to Amex? Hopefully someone can share a snippet to help visualize it.
With potentially new lifetime rules in place, and also may apply with referral link, how and when during app process will it inform if the app is eligible for the SUB. Popup or something similar to Amex? Hopefully someone can share a snippet to help visualize it.
Nov 17, 2025 | 2:54 pm
#265
Join Date: Aug 2022
Posts: 34
At this point I've written off Ink. I haven't been able to get an approval for almost a year now even after closing all my cards, and my latest try didn't even get a rejection. I was just told to verify my information which I did over two weeks ago, but its been radio silence ever since.
Nov 17, 2025 | 10:13 pm
#266
Join Date: Aug 2011
Posts: 497
Time Limit for Ink Preferred Business
The 90k welcome bonus for an Ink Preferred Business card doesn't say how much time must have elapsed since your last welcome bonus. Is it 24 months? Is it 48 months? Or is it if you ever got a welcome bonus for this card you're disqualified?
Nov 18, 2025 | 6:14 am
#267
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
90,000 Bonus Points After You Spend $8,000 On Purchases In The First 3 Months From Account Opening: The new cardmember bonus may not be available to you if you have ever had this card. We may also consider factors pertinent to your business in determining your bonus eligibility.
Nov 18, 2025 | 9:46 am
#268
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
To be clear:
Chase has recently (past few months) changed approval criteria and (undisclosed) policies and procedures for both consumer (personal) and business (Biz) cards, these changes are highly significant & paradigm shifting.
As with almost everything in this game (points, miles, status) the only constant is change.
(Mods, I know posting same text in multiple threads is forbidden, in the interests of all concerned, perhaps particularly the newbies, please consider allowing both posts to remain. Thank you.)
As with almost everything in this game (points, miles, status) the only constant is change.
(Mods, I know posting same text in multiple threads is forbidden, in the interests of all concerned, perhaps particularly the newbies, please consider allowing both posts to remain. Thank you.)
Nov 18, 2025 | 9:50 am
#269
Join Date: May 2022
Posts: 3,086
I have been approved, with the SUB, for 2 within the last year. But as others have mentioned, they have tightened up on this recently, so YMMV