Chase Business Credit Cards – September 2024
Chase offers a large variety of personal and business credit cards and cash back cards. There are many good opportunities to earn free travel, cash back, and other rewards and perks in the Chase credit card product offerings.
Chase Business Credit Cards – September 2024
The Chase 5/24 Rule
The Chase 5/24 rule is a policy implemented by Chase Bank that impacts individuals applying for most of their credit cards. Under this rule, Chase typically denies credit card application approvals for individuals who have opened five or more credit card accounts (from any issuer) within the past 24 months.
This rule is significant for those interested in Chase credit cards and Ultimate Rewards points. Because it affects their eligibility and approval chances.
The rule is often considered a strategic move by Chase to manage risk and target more desirable customers. By limiting approvals to those who haven’t opened too many new accounts recently, Chase aims to attract customers who are more likely to use and retain their credit cards responsibly.
You Need A Good Strategy For the Chase 5/24 Rule
For individuals who love free travel and are avid credit card users, managing their application strategy around the Chase 5/24 rule becomes crucial. Many travel points and miles enthusiasts strategize their card applications carefully to ensure they remain eligible for Chase cards that offer attractive rewards, benefits, and bonuses.
Overall, the Chase 5/24 rule plays a significant role in the credit card application landscape. It influences how many individuals plan their credit card acquisitions and usage to maximize their opportunities with Chase and other issuers.
Using Business Cards is a Great 5/24 Strategy
There is one strategy that many business owners and travel miles and points enthusiasts often overlook. Business credit cards.
Business credit cards can be a savvy workaround for individuals affected by the Chase 5/24 rule. Since business credit cards typically don’t count towards an individual’s 5/24 Chase limit, they offer a valuable opportunity to continue to earn generous travel points and miles bonuses.
It is worth noting that if you are applying for a Chase personal or business credit card and you are over the 5/24 limit in personal credit cards, you will not get approved.
You need to be under the 5/24 limit when you apply for the Chase business card. Meaning you need to have opened 4 or less credit cards in the last 24 months before applying for a new Chase credit card.
This is not the case if you apply for other banks’ business credit cards.
Chase Business Credit Cards – September 2024
Chase Business Credit Cards in the Chase Ultimate Rewards Program
Several of the Chase business credit cards are part of the Chase Ultimate Rewards program.
The following are the Chase business credit cards that are part of the Chase Ultimate rewards program.
Chase Business Credit Cards – September 2024
Chase Business Credit Cards That Earn Ultimate Rewards Points
There are 3 Chase business credit cards that participate in the Chase Ultimate Rewards program and earn points.
Ink Business Preferred Credit Card
Bonus Offer:
90,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. That’s $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase TravelSM.
Benefits & Perks
Earn 3X points on shipping and other select business categories.
Earn 5% cash back on Lyft rides
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Redeem Options: Travel (best option – 25% more value), Cash back, Gift cards, Apple Ultimate Rewards store
Annual Fee: $95
Ink Business Unlimited Credit Card
Special Bonus Offer:
Earn $900 bonus cash back or 90k points after you spend $6,000 on purchases in the first 3 months after account opening.
Benefits & Perks:
Unlimited 1.5% cash back rewards on every purchase made for your business – with this no annual fee credit card.
Earn 5% cash back on Lyft rides
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Redeem Options: Travel (best option – 25% more value), Cash back, Gift cards, Apple Ultimate Rewards store
APR: 0% intro APR for 12 months from account opening on purchases
Annual Fee: $0
Ink Business Cash Credit Card
New Special Offer !
Earn up to $750 bonus cash back
Earn $350 when you spend $3,000 on purchases in the first 3 months, and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening
Plus earn a 10% Business Relationship Bonus.
Benefits & Perks:
Earn 5% cash back in select business categories
plus earn rewards on every purchase made for your business – with this no annual fee credit card.
Earn 5% cash back on Lyft rides
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Redeem Options: Travel (best option – 25% more value), Cash back, Gift cards, Apple Ultimate Rewards store
Annual Fee: $0
Chase Business Credit Cards – September 2024
Other Chase Business Credit Cards
Ink Business Premier Credit Card
New Cardmember Bonus Offer:
Earn $1,000 bonus cash back
after you spend $10,000 on purchases in your first 3 months from account opening.
Benefits & Perks:
Earn 2.5% cash back on every purchase of $5,000 or more
Earn 5% cash back on Lyft rides
2% cash back on all other business purchases.
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Cell Phone Protection
Redeem Options: Travel (best option – 25% more value), Cash back, Gift cards, Apple Ultimate Rewards store
Annual Fee: $195
World of Hyatt Business Credit Card
Benefits & Perks
Earn 60,000 Bonus Points
after $5000 spend in the first 3 months after account opening.
Benefits & Perks:
Earn 2 Bonus Points total per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
Annual Fee: $199
United MileagePlus Business Card
New Cardmember Bonus Offer:
Earn 75,000 bonus miles after $5000 spend in the first 3 months after account opening.
Benefits & Perks
Earn 2x miles on United purchases, dining, at gas stations, office supply stores and on local transit and commuting.
Enjoy a free first checked bag, priority boarding and other great United travel benefits.
2 United Club one-time passes
$100 annual United travel credit
Earn 25 Premier Qualifying Points (PQP) for every $500 spent – up to 1000 PQP per year
Annual Fee: $99 (waived 1st year)
United Mileage Plus Club Business Card
New Cardmember Bonus Offer:
Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5000 spend in the first 3 months after account opening
Benefits & Perks:
Enjoy United Club membership and 2 free checked bags.
Earn 2x miles on United purchases
Earn 1.5x miles on all other purchases
Annual Fee: $450
Southwest Rapid Rewards Performance Business Credit Card
Special Bonus Offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
Additional 40,000 points after spending $15,000 in the 1st 9 months
Benefits & Perks
Earn 4X points on Southwest purchases
Earn 2X points on purchases for your business in select categories.
9,000 anniversary bonus points each year.
Four upgraded boardings per year when available
Up to 365 InFlight WiFi credits per year
Earn 1,500 tier qualifying points toward A-List status for every $5,000 spent
Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS
Lost luggage and baggage delay insurance
No foreign transaction fees
Annual Fee: $199
Southwest Rapid Rewards Premier Business Credit Card
Special Bonus Offer:
Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.
Earn 60,000 additional points after spending $15,000 in 9 months.
Benefits & Perks:
Earn 3X points on Southwest purchases
Earn 2X points on local transit and commuting
Earn 1X points on all other purchases.
Additional 6,000 anniversary points each year.
2 EarlyBird Check-In® each year.* Opens offer details overlay
25% back on inflight purchases.* Opens offer details overlay
Earn 1,500 tier qualifying points toward A-List status for every $5,000 spent
Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS
Lost luggage and baggage delay insurance
No foreign transaction fees
When you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards Member, fees associated with the transfer will be reimbursed – up to $500 in statement credits per anniversary year
Annual Fee: $99
IHG One Rewards Premier Business Credit Card
Special Bonus Offer:
Earn 140,000 bonus points
after spending $4,000 in the first 3 months from account opening.
Earn 60,000 more points after spending $9000 in the first 6 months
Benefits & Perks:
Earn IHG One Rewards points on every purchase.
Earn up to 26X points total per $1 spent when you stay at IHG® hotels and resorts.
Annual Fee: $99
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