Of course, you will also need business income to qualify and be at least 18 years old. Image courtesy of Shutterstock.com. Business credit cards offer … 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. 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. You can earn $750 in bonus cash back after spending $7,500 on your card within three months of … This used to be the case, but now they usually interview you about your business and ask for the Tax ID and income. Chase Ink Business Preferred is a versatile credit card for small business owners. Apply today. They went online and looked up my business license (sole proprietor) because I didn't bring it with me. The Chase business reconsideration line phone number is 1-800-453-9719 and it is usually open 1pm to 10pm Monday through Friday. Read the full review here. Chase also offers online and mobile services, Chase for Business offers various business banking solutions including loans, credit cards, and lines of credit. A little over a year ago, I decided to take the leap and really dive into the points and miles world. The Ink Business Preferred purchase protection covers new purchases against damage or theft for 120 days. Flexible options for business owners – Get employee cards for no additional charge and get no foreign transaction fees on purchases made abroad. See related: Chase Ink Business Cash vs. The two current UR business cards have benefits and categories not found on any other Chase UR 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. This is another card tailored for travelers with excellent credit and a growing business. Chase Ink Business Preferred approval tips 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. And one of the best travel credit card bonuses available right now. However, the Ink Cash does not allow you to transfer points to airline and hotel frequent travel programs. Chase has some of the all around best credit cards, in terms of the welcome bonuses, return on spending, and perks. If you’re a light spender, you’ll want to seriously consider this card over fee-bearing alternatives. The points remain for as long as the card is active. This is the most valuable public sign-up bonus we’ve ever seen for a Chase small business credit card. 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) Earn cash back and rewards on your business expenses and purchases. Here’s how your spending can make the $95 annual fee worth it. Monday, December 28, 2020. Credit. And, since your rewards points will not expire as long as your account remains open , you can stockpile a lot of points if you are saving up for a big trip. Now, I did have my regular full-time employment income which I’m sure played a significant role in my approval. 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. I don't think you can get one anymore without an actual licensed business. Summary of Applying for the Chase Ink Business Preferred. Small business credit cards without a personal guarantee are very rare. There’s also a $750 bonus for spending $7,500 in the first 3 months after opening an account. Enter the amount you wish to withdraw. I tried 2, 3 and 5 years out (the 2 was a mistake). 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. No big deal, and it’s totally honest. Chase surprising increased the limit on the Freedom recently after 8 years of being suck at the same CL. We see instances where a score of 688 was approved while one of 680 was denied. 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. Very Generous Sign-Up Bonus. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Having good to excellent credit, business income, and fewer than five new credit cards means you have high approval odds for the Ink Business Preferred® Credit Card. This is the most valuable. 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). And it offers new accounts 12 months of 0% APR financing on new purchases. **** The Ink Business Unlimited Card is a business credit card from Chase, not a personal card. 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. If you have the Chase Sapphire Preferred or Reserve, then the benefits of the Chase Ink Business Preferred will be familiar to you. This card has no annual fee. They do require that you are under 5/24 to be approved. I had been passively earning points for a while and taking maybe one trip per year on points. You can only earn bonus rewards on up to $25,000 in purchases for each bonus tier level per account anniversary year. Separate business and personal expenses Easily track expenses and maintain records for tax reporting and other business needs. 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. Chase is a CreditDonkey partner. The three current UR business cards have benefits and categories not found on any other Chase UR cards. Copyright ©2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. So, based on my experience in Sept. The Chase Ink Business Preferred is quite a rewarding credit card. Chase may ask for things like an old invoice or a copy of your business license as proof. Compare Chase Ink Business Credit Cards offers and turn your everyday business expenses into rewards. You'll need to provide your name, address, and the … I thought this would be a great card to have for the earnings potential paying bills, but oh well, I don't have a business of any sort actually. Like the Ink Business Unlimited card, Ink Business Cash has no annual fee and it currently offers new applicants a fantastic welcome bonus. Learn more. That’s great news for frugal business owners who’d struggle to earn rewards sufficient to offset any annual levy. It currently features a $750 sign-up bonus after $7,500 spent in the first three months of account opening, with no annual fee . 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. Update: The 70,000 point offer has now ended. It also offers an intro APR, so it's a good choice for new businesses as well. In terms of my business I will be able to provide them with a business address different from my home, a website for my business. 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. In addition to travel, customers can redeem points for cash back or gift cards. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. View All Result . It's also worth noting that the Chase Ink Business Preferred℠ has a $95 annual fee while the Chase Ink Business Cash℠ has no annual fee and a generous sign-up bonus. So instead of getting 5 personal Chase cards, you can get 8-9 in the first two years. The Chase Ink is a great business card that can really enhance your travel points stash, especially if you value United, British Airways, or any of the other travel partners from the Ultimate Rewards transfer portfolio that all offer 1:1 transfer ratios. Thanks in advance, Ah ok. The perks include multiple ways cardholders can earn travel reward points. Why Chase Business cards? Your Ink Business Unlimited Card has you covered with 24-hour roadside dispatch service. Cell Phone Protection. 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. And there are a handful of outliers available to smaller … You can list your name as the business name. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. 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. Business loans; Money. So instead of getting 5 personal Chase cards, you can get 8-9 in the first two years. 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. 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