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        欧冠规则

        欧冠规则Full Disclosure:欧冠规则 We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure?for more details. We appreciate your support!

        Chase is a consumer credit card powerhouse and equally dominant in their business credit card offerings. Whether you’re coaching soccer on the weekends for a few extra dollars or running a major software sales operation, there’s a Chase business credit card that can deliver a bounty of benefits to your business.

        A financial relationship with Chase can be a valuable asset that can help your business long term, so you shouldn’t decide to secure a Chase business credit card lightly. Managing your credit wisely with Chase can reap rewards far into the future.

        I’ll have to say “trust me on this” because you won’t realize the truth of these statements until you’ve secured one of their business cards and benefited directly.

        With that said, let’s take a look at a few key Chase business cards delivering cash-back, travel rewards, and other benefits any business owner can appreciate.

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        • 欧冠规则Best for Travel Rewards:欧冠规则 Ink Business Preferred? Credit Card
        • 欧冠规则Best for Cash Back:欧冠规则 Ink Business Cash? Credit Card
        • 欧冠规则Best for 0% Intro APR:欧冠规则 Ink Business? Unlimited Credit Card
        • 欧冠规则欧冠规则Best for United Flyers: 欧冠规则欧冠规则United MileagePlus? Business

        Below we’ll dig into the details of these Chase business cards, their perks, benefits and welcome bonuses.

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        The Ink Business Preferred?is a prime credit card for businesses with travel expenses. The card欧冠规则 rewards travel purchases欧冠规则 and redeem points through the Chase Ultimate Rewards travel portal for an additional 欧冠规则25% more in value欧冠规则.

        Earning 欧冠规则3 points per dollar spent欧冠规则 on your most common business expenses including travel, cable, shipping, internet, phone, and advertising allows you to accumulate points quickly — and redeem for travel to offset business travel expenses or even fund a family vacation.

        (This card actually tops our list of best business credit cards for advertising purchases.)

        The card has a $95 annual fee, but the sign-up bonus should offset it for the first year. If you take advantage of the ongoing value of the additional 25% when redeeming points for travel, you can offset the annual fee in subsequent years, and that’s before taking into account the numerous other benefits. We’ve talked about the many different ways that you can use Chase Ultimate Rewards for maximum value.

        欧冠规则Hot Tip: 欧冠规则Still not sure? Take a look at our breakdown of this card’s benefits to see if the Ink Business Preferred is really worth the annual fee.

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        Small businesses just starting out can always use more cash, so having a business credit card that earns 欧冠规则cash-back on every business expense欧冠规则 can be a real plus.

        The Ink Business Cash?rewards generously for purchases in categories in which many small businesses have heavy spending. With 欧冠规则5% cash-back欧冠规则 spent on purchases at 欧冠规则office supply stores and internet, cable and phone services, your earnings can add up quickly and be invested directly back into the business.

        Restaurant and gas station spending earns 欧冠规则2% cash-back欧冠规则, so if your business requires road travel, the Ink Business Cash could be a good fit. (We found 21 valuable benefits of the Ink Business Cash if you need more info.)

        欧冠规则Hot Tip: 欧冠规则Your business can take advantage of the introductory 欧冠规则0% APR for 12 months欧冠规则 to pay off a large purchase over time without incurring interest charges.

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        The busy business owner who doesn’t want to be bothered keeping track of bonus categories and quarterly promotions will enjoy the simplicity of the no-annual-fee Ink Business Unlimited. Every purchase earns an unlimited 1.5% cash-back that can be invested directly back into the business.

        With an 欧冠规则introductory 0% APR period of 12 months欧冠规则 for both purchases and 0% APR period for balance transfers, businesses can make large purchases without having to incur any interest expense. 欧冠规则After the 12-month period, 欧冠规则欧冠规则a variable APR of 14.74% – 20.74%欧冠规则欧冠规则?applies.?欧冠规则

        You can also transfer high-interest credit card balances that can be paid off during the 0% APR period.

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        All 3 of these excellent Chase business credit cards come with additional free credit cards for your employees. These cards will enable you to keep track of their spending and earn even more cash-back or travel rewards on business expenses you’d otherwise reimburse.

        All Chase business credit cards come with?strong travel and purchase protections and Visa Signature benefits.

        欧冠规则Bottom Line:?欧冠规则Having multiple Chase business credit cards allows you to receive the maximum value for your rewards. You can do this because Chase cash-back business cards earn Ultimate Rewards Points that can be redeemed for cash or transferred to a Chase premium credit card for increased redemption value through the Ultimate Rewards travel portal.?

        Hotel room with welcome amenity
        Chase rewards-earning credit cards can deliver travel perks, benefits, and even free travel. Image by Christine Krzyszton.

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        If your business involves travel, you’re sure to benefit from these Chase partner-branded business credit cards that earn points or miles you can use to offset your business travel expenses or fund a personal vacation.

        Chase Partner-branded Credit CardBenefitsBest For
        UnitedSM Business Card
        • The All-New United Business Card with limited-time offer: 欧冠规则100,000 bonus miles欧冠规则 after qualifying purchases.
        • Earn 欧冠规则2 miles per $1 spent欧冠规则 on local transit and commuting
        • Earn 欧冠规则2 miles per $1 spent欧冠规则 on United, at gas stations, restaurants, and office supply stores; plus earn 1 mile per $1 on all other purchases
        • Plus, earn an annual "better together" 欧冠规则bonus of 5,000 miles欧冠规则 when you have the United Business card and a personal Chase United credit card
        • Annual Fee: $99
        • Businesses that involve flying frequently on United Airlines
        • Businesses that have want to earn United miles on more than just airline purchases.
        Southwest Rapid Rewards? Performance Business
        • 欧冠规则 Earn up to 100,000 points.欧冠规则 Earn 70,000 points after you spend $5,000 on purchases in the first 3 months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months.
        • 3 miles/dollar spent on Southwest Airlines, 2 miles/dollar on social media and search engine advertising, Internet, cable and phone services. Then 1 mile/dollar on all other purchases
        • 9,000 Southwest miles at card renewal
        • Annual Fee: $199
        • Businesses that involve flying frequently on Southwest Airlines

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        The Rapid Rewards Premier Business card is 欧冠规则an obvious choice欧冠规则 if you or your employees frequently fly on Southwest Airlines.

        While the card doesn’t offer a lot of travel benefits, you’ll earn 2 miles per dollar spent Southwest Airlines and 1 mile per dollar on all other purchases.

        The card has an annual fee of $99. However, the typical sign-up bonus can be 40,000 to 60,000 miles, which can more than offset the first annual fee. If earning Southwest Airline miles can provide value to your business, and you don’t mind the annual fee, it’s a card to consider.

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        You can’t go wrong with the MileagePlus Business card if your business has frequent travel on United Airlines.

        Just the savings from 欧冠规则not having to pay for a checked bag欧冠规则?may offset the annual fee (which starts in the second year), and the free travel earned from the sign-up bonus is icing on the cake.

        欧冠规则Hot Tip: 欧冠规则Although the card earns 2 miles per dollar spent on office supply stores, gas, and restaurants in addition to United Airlines, if you’re not an avid United flyer, you could earn more another Chase business credit card such as the Ink Business Cash. The Ink Business Cash has 5% cash-back at office supply stores, internet, cable and phone services in addition to 2% cash-back on restaurants and gas stations.

        欧冠规则Bottom Line:?欧冠规则A partner-branded Chase business credit card is a good choice if you frequent that brand; otherwise, select a business credit card that rewards all travel purchases and offers favorable redemption values on travel, such as the Ink Business Preferred.?

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        The 欧冠规则IRS?is the most reliable source for determining what constitutes a business, so we’ll use their definition of whether you have a legitimate business that could potentially qualify for a business credit card.

        According to the IRS, “Generally, an activity qualifies as a?business?if it is carried on with the 欧冠规则reasonable expectation of earning a profit欧冠规则.”

        Even if your business activity is small, it can still qualify as a business as long as it has “the reasonable expectation of earning a profit.” Whether the credit card issuer will approve you is another matter, but because your personal credit will play a significant role in getting approved, you can still qualify with little or no initial business income.

        欧冠规则Bottom Line:?欧冠规则No matter how small your business, you may still be approved for a business credit card if your personal credit history is strong.?

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        • 欧冠规则Keep personal and business expenses separate:欧冠规则?Separating expenses is the primary reason to have a business card.
        • 欧冠规则Cleaner records:?欧冠规则Business credit cards offer annual statements and tracking tools that make record-keeping easier.
        • 欧冠规则Employee spending: 欧冠规则Chase business cards provide free employee cards that help you keep track of employee purchases.
        • 欧冠规则Rewards:?欧冠规则A rewards-earning business credit card brings more value back into your business in the form of cash-back, free travel, or benefits and perks.
        • 欧冠规则Cash flow欧冠规则: In months of low revenue, a business credit card can help temporarily bridge the gap until cash flow improves.

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        Before you apply for a card, you’ll want to look into the following:

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        This unwritten rule, confirmed by data points from actual credit card applicants, refers to Chase’s practice of not approving certain new Chase credit cards for applicants who have opened 5 or more total credit cards from any issuer in the past 24 months.

        Before you apply for any Chase credit card, you’ll want to review our?complete guide to the Chase 5/24 Rule.

         

        Business credit card application
        It’s important to be as accurate as possible when completing a business credit card application. Image courtesy of Chase.

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        Before you complete the Chase business credit card application, you’ll want to be prepared and gather the necessary information in advance.

        • The 欧冠规则legal欧冠规则?欧冠规则name欧冠规则 of your business if it has one. If not, use your personal name.
        • Your 欧冠规则business entity欧冠规则?(sole proprietor, partnership, S corporation, limited liability company).
        • 欧冠规则Tax ID number欧冠规则, or your欧冠规则?Social Security 欧冠规则if you don’t have an?欧冠规则Employer Identification Number.欧冠规则
        • The number of 欧冠规则years you’ve been in business.欧冠规则
        • Estimated 欧冠规则business income欧冠规则 and 欧冠规则total personal income欧冠规则 (you can put zero for business income if the business is new).
        • Business 欧冠规则address,欧冠规则 even if it’s your personal address.
        • Business 欧冠规则phone number.欧冠规则
        • 欧冠规则Category of business 欧冠规则plus the 欧冠规则business type欧冠规则 and?欧冠规则sub-type欧冠规则. For example, business category: professional; business type: accounting; business sub-type: tax preparation.
        • The number of 欧冠规则employees.欧冠规则
        • Possible 欧冠规则additional personal欧冠规则 information.

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        Your personal credit plays a huge role in whether you’ll qualify for a business credit card, so you should know your credit score before applying for a Chase business credit card.

        You can access your credit score for free from several sources.?Discover has a free tool anyone can use, plus?Credit Karma and Credit Sesame provide options for obtaining your credit score without charge. You should also be monitoring your credit score regularly.

        欧冠规则Hot Tip: 欧冠规则Our expert guide gives you everything you need to know about how your credit score is determined and?how to view your credit score for free.

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        • 欧冠规则Don’t wing it.?欧冠规则Chase is discerning when it comes to issuing credit, so take the application seriously and be as accurate as possible.
        • 欧冠规则Print a copy of the application.欧冠规则?If for any reason your application is not approved, or?Chase requests more information, you might need to speak with a representative. You’ll want to have all of the information in front of you during the conversation.
        • 欧冠规则Document the offer you’re applying for欧冠规则. Take a simple screenshot of the credit card offer for your records. For example, if you’re applying for an 80,000-point sign-up bonus for spending $5,000 in the first 3 months after card approval and the points don’t show up, you’ll have documentation of the offer.
        • 欧冠规则You may want to apply in person欧冠规则. If you have a current business relationship with Chase, you should leverage that relationship by applying in person at your local branch.
        • 欧冠规则Complete the application in full欧冠规则. Don’t leave any spaces blank. If the information does not apply to your business, write in N/A.

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        You may not receive an immediate decision once you apply, as your application may require manual review. Here’s how to handle each possibility.

        欧冠规则Denied:欧冠规则?Call the business credit card reconsideration line. You may be able to move around credit limits from other cards and get approved, or you may be able to provide additional information that changes the decision.

        欧冠规则Pending:欧冠规则?It doesn’t hurt to call, as there might be information needed to facilitate approval.

        欧冠规则Approved:欧冠规则 Once you’re approved, the clock starts ticking. You will have limited time to complete the spending required to receive your sign-up bonus.?Once you receive your card (usually in 7-10 business days), you can call and confirm your offer and the cut-off date for your sign-up bonus spending.

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        Putting together a combination of Chase business cards that reward all of your business spending is simple with such a diverse portfolio of cards.

        You’ll want to make sure you’re considering Chase’s 5/24 rule during the process, and also include one of their premium cards in the mix to gain additional redemption value for your Ultimate Rewards Points through the travel portal.


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        Business credit cards allow you to pay for all of your business expenses with the card, which keeps them separate from your personal expenses.

        When you apply for a business credit card, you’ll still be using your personal credit history to qualify because you’ll be personally responsible for any charges on the card.

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        Your business does not need to have a certain level of income to apply for a business credit card. Your personal credit history and income will play a large role in whether you get approved.

        When you apply for the card, you’ll be asked about your business income, but you’ll also need to provide your personal information, as you’ll be personally responsible for paying for any charges incurred.

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        There is not a specific limit for the number of Chase business cards you can have because Chase will consider the amount of total credit you have with them, your credit history, your income, and other factors it deems pertinent to determine whether to approve you for a specific card.

        We do know that you can only be approved for 2 Chase credit cards within a 30-day period and the Chase 5/24 rule can come in to play regarding the number and types of cards you’re approved for.

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        Chase is not the easiest credit card issuer for approvals, so you’ll want to be sure to fill out your application completely, accurately, and be prepared to discuss your business with a representative if necessary.

        The effort it may take to secure Chase business cards is worth it, however, as Chase can be a valuable asset to your business in the long run.

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        Technically, you can use your Chase business card for a personal expense. However, it is not recommended. One of the primary reasons to secure a business credit card is to keep business and personal expenses separate.

        Also, there can be confusion at tax time as you try to determine which expenses on the card were personal and which were business.

        Christine Krzyszton

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        Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location.?Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

        欧冠规则Disclaimer:欧冠规则 Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

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        Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. 欧冠规则Click here to see a list of advertisers that we work with.欧冠规则