Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. Chase issues some of the best business credit cards on the market for freelancers and small-business owners. These cards offer strong reward-earning potential and travel perks. Before applying, understand a few key rules and requirements.
The biggest factor to consider is Chase's 5/24 rule : If you've opened five or more credit cards (from any issuer) in the past 24 months, approval for any new Chase card is unlikely. The good news is that most business cards (including Chase's) don't show up on your personal credit report, and therefore don't count against your 5/24 limit.
Whether you're a full-time entrepreneur or earn a little extra from freelance work, here's everything you need to know to complete an application for a Chase business card.
Chase's lineup of non-cobranded business cards includes:
Some of Chase's cobranded business cards include:
A Chase business card application is similar to a Chase consumer card application. The main difference is that you need a business or sole proprietorship that earns revenue. It can be a side hustle or freelance work, and it doesn't need to be full-time or earn six figures to qualify.
A business card offers additional benefits and is essential for keeping business and personal expenses separate. Examples of qualifying businesses include:
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TPG editor-in-chief Nick Ewen applied for the Sapphire Reserve for Business and documented a relatively painless process from start to finish.
Related: Who qualifies for a business credit card?
Most Chase business card applications look the same. If you're applying for a cobranded business card like the United℠ Business Card (see rates and fees ), you'll notice the option to include an existing loyalty number for that program if you already have one.
Otherwise, a new number will be assigned to you.
If you're already a Chase customer, log in first — some fields will prefill for a faster application experience.
Here's the information you'll need to add to the application:
*Note: Do not make up a business name if you don't have a DBA. Chase may ask for proof of your business, and if you don't have a DBA under the business name you entered in this field (aside from your own personal name), you'll likely be denied for a card.
Here's a look at the first part of the Chase business credit card application page:
Authorizing info refers to your role in the company, such as owner, partner, president or treasurer; if you&#x…