Find Out How Many Chase Business Cards You Can Have

You may already know that Chase offers some of the top business credit cards around (as well as an amazing rewards program). And if you just can’t choose between the company’s lineup, you may have considered applying for more than one card. But exactly how many Chase Ink business cards can you have at once?

You might have heard of the company’s unofficial 5/24 policy, which suggests that you could be denied if you’ve signed up for five or more new credit cards within the last 24 months. However, there have been reports of people being approved despite this “rule.”

So what’s the deal? Let’s find out.

How many Chase business cards can I have?

The truth is, there’s likely no hard limit to how many Ink business credit cards you can have. Some users have reported successfully getting two or three Chase business cards, even with other personal cards open.

However, Chase typically offers a maximum amount of credit it’s willing to give you, which may affect your potential approval. If Chase offers a $20,000 total credit limit, for example, then you may have more success if you asked to lower the credit limits on existing business cards.

The total credit limit you’re approved for depends on a number of factors — both personal and business-related — including your income, credit history, and how much debt you already have.

If you’ve been denied for a Chase business card, you can call the company’s reconsideration line to challenge your application. It might not result in an approval, but being friendly and explaining why you want the card you’ve applied for even though you have other business cards can be helpful.

Chase’s 5/24 policy

Now let’s talk about Chase’s 5/24 rule. To recap, you could be automatically denied if you’ve opened five or more new credit cards within the past 24 months, even if the cards were from a different credit card issuer, and even if you have an excellent credit score.

For example, if you were recently approved for two Discover credit cards, a Capital One card, and two personal Chase credit cards, then you may have difficulty getting approved for another Chase credit card because you’re exceeding the 5/24 rule. 

But here’s the good news: Many business cards from Chase and other card issuers may not be included in your 5/24 count, according to multiple reports. However, you likely need to be under the 5/24 count to be approved for a Chase business card.

In other words, if you’ve opened four credit cards in the last two years, you could be approved for one of the Chase Ink cards — and that new card may not be added to your total count.

How often to apply for Chase business cards

In addition to the 5/24 rule, there’s another unofficial guideline to be aware of: the Chase 1/30 rule, which indicates that you probably won’t be approved if you’ve already applied for a Chase business credit card within the last 30 days. 

There are exceptions to every rule, of course, but if you’re worried about getting approved for multiple Ink business cards, it may be wise to space out your credit card applications over a few months. If you apply for too many cards at once, you could risk being denied automatically.

Another reason to consider the timing of your application has to do with welcome offers. For some Chase business cards, you may be ineligible for the bonus if you’ve recently received a bonus on a related card. For example, the Southwest^® Rapid Rewards^® Performance Business Credit Card doesn’t allow you to earn the welcome offer if you’ve already received a bonus from a personal Southwest Rapid Rewards card within the past 24 months.

Read the fine print of any business card you’re considering to be sure you’re eligible for the bonus. And remember, it’s not when you got the card that counts — it’s when the bonus was deposited into your account.

A few Chase business credit cards to consider

If you're ready to apply for a new business credit card, then you'll need to know what's available to you. Here are our recommendations for the best business credit cards from Chase to consider. We've chosen cards that will fit the bill whether you're seeking travel rewards or cash back too (and as you probably know Ultimate Rewards points are both powerful and flexible).

If you are a small business owner and/or looking for a small business credit card with no annual fee, you'll find some good matches on here when it comes to the bonus categories for spending. On the flip side, some of these card products will be a good fit for business owners with large business expenses in business categories. 

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited^® Credit Card is ideal for small business owners seeking streamlined rewards. It can help you earn unlimited 1.5% cash back on every purchase.

The card has an annual fee of $0 and a generous welcome offer. You can earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

On top of that, you can also benefit from the 0% intro APR the Ink Business Unlimited offers on purchases for 12 months, then 17.99% - 23.99% Variable.

Apply now or learn more in our Ink Business Unlimited^® Credit Card review.

Ink Business Cash^® Credit Card

The Ink Business Cash^® Credit Card can provide significant rewards by helping you earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases.

It has a $0 annual fee and helps you earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

You can also enjoy an intro APR offer on purchases that can help you pay them over time. The Ink Business Cash^® Credit Card offers 0% intro APR on purchases for 12 months, then 17.99% - 25.99% Variable.

Apply now or learn more in our Ink Business Cash^® Credit Card review.

Ink Business Preferred^® Credit Card

The Ink Business Preferred^® Credit Card is excellent for business owners who want to earn travel rewards. You can earn 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases.

While this card has an annual fee of $95, you can earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

The fact that you’d pay no foreign transaction fees when you use the Ink Business Preferred^® Credit Card abroad also further boosts its travel-related benefits.

Apply now or learn more in our Ink Business Preferred^® Credit Card review.

Ink Business Premier^® Credit Card

The Ink Business Premier^® Credit Card is geared toward business owners who want to earn cashback rewards on their large purchases. It can help you earn 5% cash back on travel purchased through Chase Travel℠; unlimited 2.5% cash back on purchases of $5,000 or more; unlimited 2% cash back on all other business purchases.

It has an annual fee of $195, however, you could offset this fee by earning its welcome offer.

You can use the Ink Business Premier^® Credit Card to earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Just like the Ink Business Preferred^® Credit Card, the Ink Business Premier^® Credit Card doesn’t charge foreign transaction fees, making it suitable for usage within the U.S. and abroad.

Apply now or learn more in our Ink Business Premier^® Credit Card review.

A few Chase personal cards to consider

Chase also offers a range of personal credit cards that could complement your business card or even be used instead of a business card. Keep in mind that it's a good practice to keep your personal and business spending separate, so choose a dedicated card or a few cards to use exclusively for your business expenses.

FAQ

Bottom line

As a savvy business owner looking to cut costs and maximize every dollar spent, there’s no better way than to maximize rewards on credit cards. And the Chase business credit card lineup, along with the Chase Travel program, offer a huge opportunity along with perks designed for travelers and business owners alike. However, you need to plan out your strategy carefully — or you could find yourself with a pile of rejected applications.

Hot Welcome Bonus

Ink Business Preferred^® Credit Card

4.8

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Ink Business Preferred^® Credit Card

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Current Offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening

Annual Fee

$95

Rewards Rate

3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases

Benefits and Drawbacks

Benefits

• Generous welcome offer
• High rewards rate on common business expenses
• Flexible Ultimate Rewards points
• No foreign transaction fees
• Cell phone, purchase, and travel protections

Drawbacks

• Annual fee of $95
• $150,000 annual cap on bonus category spending
• No intro APR offer

Card Details

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC