Best Chase Business Credit Cards In USA, Explore The Benefits

Chase Business Credit Cards is a game changer in the ever-evolving business world. Managing finances is a crucial aspect of your daily operations as a business owner. Utilizing a business credit card is one effective way to streamline your financial management and unlock new opportunities. Among the top options available, Chase business credit cards stand out for their exceptional features, benefits, and rewards. Best Credit Cards in the USA 

In this post, we will explore the amazing financial world of Chase business credit cards, including their advantages, types, and how to apply. So, if you are looking for the best way to manage your business finances, look no further, this card offers seamless operations. Just get one today and your business will be on its way to efficient finance management.

Advantages of Chase Business Credit Cards

Chase business credit cards offer a range of benefits that can elevate your business operations:-

  • Separate Business and Personal Finances: Keep your business expenses distinct from personal ones, simplifying accounting and tax preparation.
  • Build Business Credit: Establish or improve your business credit score, unlocking better loan terms and higher credit limits.
  • Rewards and Cash Back: Earn rewards, cash back, or travel points on your business purchases.
  • Employee Cards: Issue cards to employees, setting limits and tracking expenses.
  • Fraud Protection: Enjoy protection against unauthorized transactions.

Types of Chase Business Credit Cards

Chase offers various business credit cards catering to different needs. The good news is that these cards will help you to manage your business effortlessly. There is nothing as hard as keeping accurate financial records in business, these will help do that with ease. Ramp Credit Cards 

  • Chase Ink Business Cash: Ideal for cash-back rewards on everyday purchases.
  • Chase Ink Business Preferred: Suitable for travel rewards and purchase protection.
  • Chase Ink Business Unlimited: Offers unlimited cash-back rewards.
  • Chase Ink Business Plus: Combines cash back and travel rewards.

Best Chase Business Credit Cards

We have taken time to explore the best amongst Chase business cards. However, below are the business credit cards you can find out there that will help you perform your business transactions out rightly.

  • Ink Business Premier: Offers a $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
  • Ink Business Unlimited: Offers a $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
  • Ink Business Cash: Offers up to $750 bonus cash back after 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.
  • Ink Business Preferred: Offers 100,000 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 Travel.
  • World of Hyatt Business Credit Card: Offers 60,000 Bonus Points after qualifying purchases.
  • UnitedSM Business Card: Offers 75,000 bonus miles after qualifying purchases.
  • United ClubSM Business Card: Offers 50,000 bonus miles and 1,000 Premier qualifying points after qualifying purchases.
  • Southwest Rapid Rewards Performance Business Credit Card: Offers up to 120,000 points, 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
  • Southwest Rapid Rewards Premier Business Credit Card: Offers up to 120,000 points, 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.
  • IHG One Rewards Premier Business Credit Card: Offers 140,000 bonus points after spending $4,000 in the first 3 months from account opening. Tuition Fees 

Chase Business Credit Card Requirements

If you are interested in having any of the Chase business cards mentioned above, just provide the requirements listed below.

  • Business name, address and contact information.
  • Number of years in business.

Industry

  • Number of employees
  • Annual revenue
  • Tax ID (EIN)
  • Personal information of the business owner such as name and Social Security number.

The legal structure of the business

  • Business credit score or personal credit score
  • Sole proprietors, partnerships, LLCs and corporations can all apply for a business credit card.
  • A FICO® Score of 670 or higher is considered a good credit score for a business credit card.

Chase Business Credit Card Login

Follow these steps to log in to your Chase business credit card account

  • Visit the Chase for Business log-in page or the Chase Mobile app.
  • Enter your username and password for Chase Business Online.
  • Choose how you want to receive your identification code.
  • Enter the code and your password, and you are done.

Chase Business Credit Card Pre-Approval

Below are the procedures on how to get pre-approved for a Chase business credit card.

  • Review your eligibility for a business credit card.
  • Learn about and compare different types of business credit cards.
  • Apply for a business credit card.
  • The credit card issuer will review your application and credit history.
  • If you’re approved, you’ll receive your new business credit card.

How to Apply for a Chase Business Credit Card

Applying for a Chase business credit card is straightforward, but for you to be eligible to hold the Chase business card you must possess the following:

  • Check Your Credit Score: Ensure your credit score is in good standing.
  • Gather Required Documents: Business tax ID number, financial statements, and proof of business ownership.
  • Choose Your Card: Select the Chase business credit card that best suits your needs.
  • Apply Online or In-Person: Submit your application through Chase’s website or visit a local branch.

Tips and Best Practices

To maximize the benefits of your Chase business credit card:-

  • Pay Your Balance in Full: Avoid interest charges by paying your balance in full each month.
  • Set up Automatic Payments: Ensure timely payments and avoid late fees.
  • Monitor Your Credit Score: Regularly check your business credit score to track progress.

What credit score is required for a Chase business credit card?

The credit score requirements for different types of Chase business credit cards include

  • A good credit score of 670 or higher on the FICO score can help you qualify for a business credit card.
  • An average credit score of around 650 can get you premium cards with lower credit limits and higher interest rates.
  • A high FICO or VantageScore of 760 and higher can qualify you for travel rewards cards with perks and lower interest rates
  • A credit score of 600 can get you access to no-fee cards or student credit cards but with limitations and higher APRs
  • A credit score of 500 can reduce your chances of getting the credit card of your choice.

Can I apply for a Chase business credit card with no credit history?

Yes, you can apply for a Chase business credit card even if you don’t have a credit history. You will need:-

  • Business name, address and phone number
  • Employer identification number (EIN)
  • Annual revenue
  • Number of employees
  • Years in business
  • Type of business, including legal structure and industry
  • Estimated monthly expenses
  • Personal information, such as your social security number (SSN), birth date, address, annual income, etc.

How do I manage employee cards and track expenses?

Chase business credit cards offer various tools to manage employee cards and track expenses, including:

  • Employee cards: You can request additional cards for employees, with customizable spending limits and restrictions.
  • Chase Business Online: This platform allows you to manage accounts, pay bills, and monitor transactions.
  • Chase Mobile® app: This enables you to manage accounts, deposit checks, and track expenses on the go.
  • Expense tracking tools: Chase offers tools like Account Alerts, Transaction Alerts, and the Chase Spend & Budget tool to help track expenses.
  • Reporting and analytics: Chase provides detailed reports and analytics to help you understand spending patterns and make informed decisions.
  • Card controls: Set restrictions on employee cards, such as:

– Spending limits

– Merchant categories

– Geographic Restrictions

– Transaction types (e.g., online or international)

Integration with accounting software: Chase business credit cards can integrate with popular accounting software like QuickBooks, Xero, and SAP.

Receipt capture and management: Use the Chase Mobile® app or third-party apps like Expensify or Concur to capture and manage receipts.

Chase business credit cards offer a powerful tool for managing your business finances, building credit, and earning rewards. If you understand the advantages, types, and application process, you can make an informed decision to unlock the full potential of your business. Apply for a Chase business credit card today and take your business to the next level.

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