Chase issues some of the best business credit cards<\/a> on the market, offering valuable rewards, travel perks and useful tools for freelancers, side hustlers and small-business owners. But applying for one isn’t quite the same as applying for a personal card, and it’s worth understanding a few key rules and requirements before you start.<\/p>\n One of the biggest factors to keep in mind is Chase’s 5\/24 rule<\/a>: If you’ve opened five or more credit cards (from any issuer) in the past 24 months, you likely won’t be approved for a new Chase card \u2014 including business ones. The good news? Most business cards (including Chase’s) don’t show up on your personal credit report, so they don’t count against your 5\/24 limit.<\/p>\n Whether you’re a full-time entrepreneur or earn a little extra from freelance work, a Chase business card could be within reach. Here’s everything you need to know to complete the application.<\/p>\n A Chase business card application is very similar to a Chase consumer card application, but there are a few differences. The biggest difference is that you’ll need to have a business that earns revenue. That may be easier to achieve than you think \u2014 you don’t need a full-time business or even a six-figure income from your business activities to be approved for a small-business card.<\/p>\n If you do have a business, having a business card isn’t just a good way to earn extra rewards \u2014 it’s also essential to keeping your business and personal expenses separate. For instance, you can qualify for a business card<\/a> as a part-time freelance writer, designer, consultant or artist. Also, gigs where you aren’t an employee \u2014 like driving for Uber or Lyft, delivering food or walking dogs through apps like Rover or Wag \u2014 can also be eligible businesses.<\/p>\n Related: Who qualifies for a business credit card?<\/a><\/strong><\/p>\n Let’s review the Chase business card application and identify the information that’s most likely to confuse you.<\/p>\n All Chase business credit card applications will look the same, but if you’re applying for a cobranded business card, such as the Southwest\u00ae Rapid Rewards\u00ae Performance Business Credit Card<\/a><\/span> (see rates and fees<\/a>) or the United\u2120 Business Card<\/a><\/span> (see rates and fees<\/a>), you’ll have the option to add your loyalty program number. If you don’t add a number, one will be assigned to you and a new loyalty account will be created in your name. This can be a bit of a headache if you already have a loyalty account because you’ll end up having to merge the two accounts.<\/p>\n If you’re already a Chase customer, you can log in to your account for a quicker application process, as some information will be pre-filled.<\/p>\n Daily Newsletter<\/p>\n Reward your inbox with the TPG Daily newsletter<\/p>\n Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\nWho qualifies for a Chase business card?<\/h2>\n
How to complete a Chase business card application<\/h2>\n
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