The Chase Ink<\/a> line of business credit cards is one of the most valuable business credit cards you can get, primarily because they earn Chase Ultimate Rewards Points (which is my favorite type of transferable rewards currency). In addition, because the Chase Ink credit cards are business credit cards, they don\u2019t appear on your personal credit report, so they don\u2019t impact your 5\/24 status<\/a>. Getting cards that don\u2019t impact my 5\/24 status is particularly important for people like me who want to keep getting a lot of new cards, but also leave open the ability to get new Chase credit cards.<\/p>\n For years, it\u2019s been well known in the travel rewards community that you could open multiple Ink cards and earn the bonus each time you opened the card. Using this strategy, I would regularly open a new Chase Ink card every 3-4 months, helping me to accumulate a large stash of Chase Ultimate Rewards points every year just from the sign-up bonuses on these cards.<\/p>\n In recent months, however, it seems Chase has tightened up their business credit card applications, making it far more difficult to get multiple Ink cards or multiple Chase business cards, in general. That being said, my wife was due for another Chase Ink business credit card, and with my stash of Chase Ultimate Rewards Points starting to dwindle a bit, we decided now was a good time to throw in an application for her.<\/p>\n This is what my experience was like opening a Chase Ink Unlimited card under the more restrictive application rules that seem to be in effect these days.<\/p>\n As a bit of background, the Chase Ink line of business credit cards comes in three different types. These include the following:<\/p>\n There\u2019s also a fourth Ink card called the Chase Ink Premier, but this card doesn\u2019t earn Ultimate Rewards points and is not a card I would recommend to most people.<\/p>\n The main requirement to get a Chase Ink card is having a business<\/a>. This shouldn\u2019t be an issue for the vast majority of people \u2013 remember that almost anything you can do to earn money outside of a regular W-2 job can qualify as a business. This includes simple activities like selling things on eBay or working in the gig economy for apps like DoorDash or Uber Eats. As long as you have something that qualifies as a business (i.e. pretty much anything that isn\u2019t W-2 income), you\u2019ll be eligible for a Chase Ink business card.<\/p>\n The main limitation these days with the Chase Ink cards has to do with the number of Chase business cards you currently have open. While most Chase credit cards limit signup bonuses to once every few years, Chase Ink cards do not have this limitation. Even if you\u2019ve earned the bonus on a Chase Ink card before, strangely enough, you can still earn it again with no limitation.<\/p>\n In the past, it often seemed that people could get multiple Chase Ink cards without any issue. This is exactly what I did for years, opening up new Chase Ink cards whenever I needed to top up my Chase Ultimate Rewards Points. This past year, however, Chase seemed to tighten up their business card acceptance rate. These days, it seems that the number of Chase Ink cards you can get is heavily limited by the number of Chase Ink or other Chase business cards you already have. While there are no set rules, people on Reddit have conducted surveys and come up with a general idea of the percentage chances of approval based on the number of Chase Ink Cards you already have open.<\/p>\n Below are the estimated chances of getting approved for a new Chase Ink card based on the number of Ink Cards you already have (Source: Doctor of Credit<\/a>):<\/p>\n From the data, it appears that the chances of getting approved for an Ink card are very high if you have no Ink cards already open and remain fairly good if you already have 1 or 2 Ink cards already open. However, it seems to become basically impossible to get an additional Ink card if you already have three or more Ink cards currently open.<\/p>\n In this case, my wife had two Chase Ink cards already open. So, the data told us it was about a 50\/50 shot that she could get approved for a third Ink card.<\/p>\n So what is the application process like when applying for a business card like the Chase Ink Unlimited? Fortunately, the application process for a Chase Ink business card is pretty easy. If you already have a Chase account, you can log in to your account when you fill out your application, and it\u2019ll fill out all of your personal information for you.<\/p>\n The parts of the application that are different with a Chase Ink card are the questions about your business. For example, in the application, you\u2019ll get this question about your business structure.<\/p>\n \u00a0<\/p>\n Most people will be applying as a sole proprietorship \u2013 the only time you wouldn\u2019t do that is if you have a separate, registered legal entity. In that case, you\u2019d apply under that entity. As a sole proprietor, your business name will be your name, and you would select \u201cno\u201d under the question about whether you have a DBA.<\/p>\n If you\u2019re applying as a sole proprietor, you\u2019ll also use your Social Security Number as your Business Tax ID.<\/p>\n Finally, you\u2019ll need to enter some information about when your business was established and what your annual revenue is. This is something that you can estimate, especially if you have a relatively new business. My general advice is to say your business is at least 1 year old and has a business revenue of at least $1,000. That being said, Chase doesn\u2019t have a hard minimum of how old your business needs to be or what the minimum annual revenue is. From my experience, though, having a 1-year-old business and at least $1,000 of revenue seems to always work for me.<\/p>\n In this case, we applied for the Chase Ink Unlimited for my wife as a sole proprietor, using our rental property as the business (this is what we always use when applying for business credit cards). Typically, the application goes into pending status when applying for a new Chase Ink card and then is automatically approved a few days later, but to my surprise, we were instantly approved on this application. Huzzah!<\/p>\n Going forward, my plan is to continue trying to get new Chase Ink cards every 4 to 5 months, applying for a new one: (1) whenever a decent amount of time has passed between my Chase applications, and (2) whenever I have two or fewer Chase Ink cards open. What constitutes a decent amount of time is going to be based primarily on vibes, but I\u2019ll probably be aiming for 3-6 months between Chase cards. In general, this shouldn\u2019t be a problem, as I\u2019m usually able to get cards from other banks to hold me over while I\u2019m between cards.<\/p>\n Between my wife and me, that should hopefully result in us opening at least 2 Chase Ink cards per year, with potentially as many as 6 Ink cards in a year, depending on how things align. The most likely scenario is that we end up getting around 3 Chase Ink cards most years, which should usually net us between 225,000 and 250,000 Chase Ultimate Rewards points.<\/p>\n The Chase Ink Cards also have some value beyond the signup bonus. In particular, I\u2019m a fan of the Chase Ink Unlimited since it offers 1.5 points per dollar spent on any purchase with no annual fee. This makes it a solid overall card to keep in my wallet when needed.<\/p>\n It\u2019s nice that my wife was instantly approved for a new Chase Ink Unlimited, especially since, as of the time I\u2019m writing this, Chase has a heightened signup bonus on the card.<\/p>\n Chase business cards are still a little harder to get than they used to be, but it\u2019s still possible to rack up a lot of Chase Ultimate Rewards points by targeting these cards. Assuming things don\u2019t change, I should continue to target these cards as needed and hopefully, continue to rack up more Chase Ultimate Rewards Points.<\/p>\n This post may contain affiliate links.<\/em><\/p>\n Check out these other ebikes and scooters I’ve reviewed:<\/p>\n For additional <\/span>investing app bonuses, be sure to check out the ones below:<\/p>\n If you\u2019re looking for more <\/span>easy bank bonuses, check out the below options. These bonuses are all easy to earn and have no fees or minimum balance requirements to worry about.<\/p>\n Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years<\/a> by choosing not to live like a big shot lawyer.<\/p>\n Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports<\/a>.<\/p>\n Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin’s favorite fintech apps include:<\/p>\nChase Ink Business Card Application Restrictions<\/h2>\n
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My Chase Ink Unlimited Business Card Application Experience<\/h2>\n
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<\/p>\nMy Long-Term Chase Ink Strategy<\/h2>\n
Final Thoughts<\/h2>\n
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