Some of the best credit card signup offers around also happen to be some of the best point earning cards around: the Chase Ink Business cards. These include the Ink Business Preferred, Ink Business Cash, and the Ink Business Unlimited. You do have to have a business to apply, but you might be surprised how many of the things you already do legitimately count as businesses. This post explains why points earned from these cards are valuable, how to know if you have a business, how to fill out a business card application, and tips on getting approved.
Valuable Rewards
Even though the Ink Business Cash and Ink Business Unlimited cards are advertised as cash back cards, they actually earn Ultimate Rewards points. $900 in “cash back” is really 90,000 Ultimate Rewards points that can be redeemed for $900 in cash back.
The Ink Business Preferred Card is great for its 3X categories. The Ink Business Cash is awesome for its 5X categories. And the Ink Business Unlimited is great to use as your “everywhere else” card thanks to earning 1.5X everywhere.
There is another Ink card which is unfortunately different from the rest: the Ink Business Premier. This one doesn’t allow moving points to transfer partners or to other Chase cards. As a result, it is only good as a cash back card. Details here: Ink Business Premier Review.
You must have a business (and you probably do)
Chase Ink cards are small business credit cards. You must have a business to apply. That said, almost everyone does something that can be legitimately considered a business. Legitimate businesses include selling things on eBay or at yard sales, being an aspiring musician or author, posting to TikTok or Instagram, owning rental property, driving for Uber or Lyft, etc. The list is endless.
More:
You must have a business (but you probably do): In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.
Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.
Get the same card again
Similarly, if you have more than one business, it’s possible to get the same Chase Ink card and signup bonus for each business you own. This is true even though the application terms state otherwise: “I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.” Despite those terms, it's very common for people to successfully sign up up for more than one of the same Ink card across multiple businesses.
Watch out for 5/24
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.
All of the Ink cards are subject to 5/24. This means that you probably won’t be approved if you’ve opened 5 or more cards across all banks within the past 24 months. Fortunately, the Ink cards do not add to your 5/24 count. That is, if you are approved, they will not hurt your chances of future approvals due to 5/24.
How to Apply
Application links can be found by following the “click here” links within these pages:
- Ink Business Preferred
- Ink Business Cash
- Ink Business Unlimited
- Ink Business Premier (this is the oddball who’s points can’t be moved or transferred)
Here are example answers for the business part of the application:
Keep records of your answers
In some cases Chase will ask to speak with you before approving your application. In those cases, they are likely to ask some of the same questions (annual business revenue, number of years in business, total gross income, etc.). Ideally you'll answer the same as you did on the application.
Check Application Status
After submitting your application, you can check status by calling the automated status line: (888) 338-2586
How to improve your chances of success
The following tips can help with approval, but none are guaranteed:
- Sign up for a Chase business checking account
- Use an EIN instead of your SSN when entering your Business Tax ID on the application
- Do not call if your application goes to pending
- Call if your application is denied
Below you’ll find more info about each of the above suggestions:
Sign up for a Chase business checking account
Business checking accounts must be opened in-branch. At the end of the process, you are likely to receive pre-approved offers for business cards. Go for it. While pre-approval doesn’t ensure final approval, I believe that in this case it does make it very likely.
Make sure to be prepared with necessary documentation and identification. Chase has a checklist here for sole proprietorships. Specifically pay attention to the section titled “Business Documentation”. You’ll see that in many cases you’ll need an Assumed Name Certificate, often referred to as a DBA (Doing Business As). Usually, you can get the certificate by registering your business name with either your local or state government for a small fee.
Use an EIN instead of your SSN as the business Tax Identification Number
To apply for a business credit card, you’ll need a business Tax Identification Number. Sole Proprietors can use their own social security number as the business Tax ID or they can use their company’s EIN. While either will work, it can’t hurt to have an EIN and may help give your business more credibility. You can sign up for an EIN, for free, from the IRS: Apply-for-an-Employer-Identification-Number-(EIN)-Online.
Do not call if your application goes to pending
When applications go to pending, people frequently find that they get approved without calling. When people do call, they may get tough analysts who deny the application.
The approval process goes through up to 3 “gates”:
- Instant Approval (this is rare with Ink cards)
- Automatic Approval, sent by mail (may take several weeks)
- Analyst Phone Approval
If you’re not instantly approved, then calling bypasses gate 2 and may reduce your overall chance of approval. Instead, I recommend waiting to get a letter in the mail. Hopefully it will say “congratulations”.
Of course, if Chase contacts you asking for more information then you absolutely should talk to them on the phone. In some cases they may simply need more information about you or your business before your application can go through the next review stage.
Call if you are denied (and call again)
If your application is outright denied (either instantly or by mail), then call Chase’s business reconsideration number, which is open Monday through Friday during business hours. There are many cases where analysts have overturned denials over the phone. Up-to-date reconsideration phone numbers can be found here.
The analyst will likely ask a lot of questions. Make sure your answers match your application. Also, if you have multiple Chase business cards, make sure to let the analyst know that you don’t need Chase to extend you more credit. Tell them that you are willing to move available credit from another card or to cancel another card if necessary. Be prepared to answer financial questions about your business. Be prepared to answer questions about why you want the card and how you expect to use it. There is absolutely nothing wrong with saying that you were attracted by the welcome bonus and by the 5X spend categories (for example).
If the analyst doesn’t approve your application, call again. Many people have had luck simply calling a few times until the reached an analyst willing to take a chance on their business.

[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
Thanks Greg – very helpful write up. If you get approved for the Ink cards using the EIN, is it possible to then transfer the sign up bonus points to a personal account?
Yes, no problem
I’ve read on a couple sites that you can now get the exact same Ink card twice for the exact same business (rather than having to use a separate business). Does anyone have experience with this? It appears to definitely be possible, but any risk of shut downs for such behavior?
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
[…] How to Sign up for Chase Ink Cards […]
Instantly approved real estate sole prop for $900 offer, real estate, granted CL equal to stated monthly expenses, first Chase biz card, no Chase biz checking. Looks like they put a *hard pull* on my personal Experian report :/
Yep, a hard pull is expected, but the new account won’t show up on your Experian report (just the inquiry) and so it won’t affect your 5/24 status.
I tried calling the number listed in the article to check my application’s status – (888) 338-2596 – but it is not a valid Chase number. It was a recording of a woman telling me the number I was calling may have changed and instead tried to sell me on insurance. I hung up before I heard the entire message.
You got one of the digits wrong. it should be 2586 not 2596
[…] THE cards to get for the Signup Bonus right now are two Chase no annual fee business cards for 90,000 Chase Ultimate Rewards points, the Chase Business Ink Cash and Chase Ink Business Unlimited. Some of us do love the Chase points world! And this post can help if you are interested: How to sign up for Chase Ink Cards. […]
Any tips or data points on how long to wait in between requesting multiple cards for same business? Looking to get Ink Preferred, Cash and Unlimited for single business.
usually 1-3 months
Some points: 1) The application clearly says that the number of employees does NOT include you–if you’re the only employee, enter 0. 2) Many of us have freezes on our credit history. You should temporarily lift the freeze before applying, or you’ll automatically get a sort of turn down immediately, and may attract more attention than you like. Chase uses Equifax. 3) Besides the traditional 5/24 rule, Chase seems to be looking more closely at applications. I was told I needed a secondary review just because my available credit was close to 100K it’s actually closer to $250K), even though I ALWAYS follow the first rule of the game and pay off all credit cards every month. Maybe it’s just that with the economy slowing, Chase may be more nervous about bad debts.
Thanks Greg, very helpful. Question: if you have a 1 person LLC, is it better to apply under the LLC name or under your own (or DBA) name?
I don’t think it matters
is it possible to get the same card on same business even if 24 months has NOT passed?
Yes, I believe so
Greg, follow up on Stevenson’s question, if I’m applying for the same Ink card on same business after 24 months, do I need to cancel the card I have before I apply, or is it OK to hold two of the same ink card for the same business (and get sign-up bonus on both)?
PSA – Chase has been following in Capital 1 footsteps and now occasionally will do hard credit pulls with 2 different agencies simultaneously.
Yes, they’ve been doing that to me for many years
@greg I made a real bad mistake of of applying for ink cash with SSN where I had the same card about 7 months ago. I was still approved and SM confirmed the bonus tied to the card. Does that mean I’m in the clear by luck? Or would I still not qualify for the bonus due to the 24mo rule automatically? I would have thought they would not approve it like how Amex would have done it. Any thoughts?
This is in line with the question I always wonder. Let’s say I have 2 sole proprietorship businesses but don’t use an EIN for either, just pay taxes via my SSN. And both are small side hustle type businesses. If I already have both free Inks with my SSN, can I sign up for my second business also using my SSN?
You should be good to go. The Ink cards don’t have 24 month restrictions or really anything prohibiting you from getting multiple of the same cards.
is it possible to get approved if you put down zero years in business and zero income?
Yes
I think you meant to say CANNOT can moved or transferred.
Thanks. Fixed
Can I apply for 2 ink business cards at the same time or do I need to wait 24 hours in between applications?
You can try but they’re likely to close one as a duplicate (even if you’re applying for a different Ink card). Best option I think is to wait for a decision on the first before applying for the second.
How to improve your chances of successThe following tips can help with approval, but none are guaranteed:
4. Do not call if your application goes to pending
I find that interesting and not surprising. For years or maybe a decade people have been calling in to harass bank staff as soon as a card goes into pending. It always seemed to me like an opening for them to look harder at your application. I’ve never done that and have had had most if not all pending cards be approved via the normal process.
Thank You for ur Opinion. Mine is to do what FM says I got 3 cards over the years on Chase by doing that as in Right on the Call..
LOL
INKer 4 ever..
@GREG PLEASE CAN MY ANNUAL REVENUE BELOWER THAN MY INCOME ,AND CAN I USE ANY EMAIL ADDRESS THAT DOES NOT MATCH MY NAME AND WHAT IF AM IN FLORIDA AND I HAVE A SMALL BUSSINESS IN CA CAN I PUT THE CA ADDRESS AS MY COMPANY ADDRESS WILL I GET MY CARD IN MY COMPANY OR MY HOME ADDRESS
Yes. Revenue can be zero. Yes use any email. I think you’ll get the card at your home address. Not sure.