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If you don’t have perfect credit or you’re apprehensive about having your credit card application declined, it’s safe to ask what’s the easiest Chase business card to get. Thankfully, you have several options when you have good or excellent credit.

easiest Chase business card
San Francisco Golden Gate Bridge. Credit: Johnny Jet

Credit Score Needed

You should have good or excellent credit score to be eligible for a Chase business card. That’s a credit score between 670 and 850. Applicants with excellent credit (740+) are the most qualified typically, but we recommend waiting to apply with a score of 700 or above.

For transparency, Chase Bank doesn’t disclose a minimum credit score for any of its business or personal credit cards. The recommended credit score is gathered from online data points provided by successful (and unsuccessful) applicants. Other factors such as your annual business revenue and the current Chase credit cards in your name also impact your approval odds.

Related: Does Chase Have Good Business Credit Cards?

Chase 5/24 Business Card Rule

What else should you know about the easiest Chase business cards to get? In addition to your creditworthiness, you cannot have too many new credit card accounts. The notorious Chase 5/24 policy applies to business card approval odds, although the lasting effects are not as far-reaching as for personal credit cards.

When applying for any Chase business card, the bank reviews your personal credit report to see if you have added 5 or more credit cards in the most recent 24 months. Cards opened as the primary cardholder or as an authorized user count against this limit.

Some examples include:

  • Personal credit cards
  • Charge cards without a preset spending limit
  • Business credit cards that report monthly payments to the personal credit bureaus (i.e., Capital One business cards but not Chase business cards)

So, you must have four or fewer newly-opened credit cards before applying. The good news is that the Chase business cards won’t appear on your personal credit report and count against the 5/24 limit for other Chase-issued products.

Further, you can only apply for one Chase business card in a rolling 30-day period.

Easiest Chase Business Card To Get

While you need good or excellent credit for the various business cards, some can be easier to qualify for, and you might consider them first. Here are some of the easiest Chase business cards to get.

Ink Business Cash Credit Card

The no-annual-fee business credit cards can be easier to qualify for as the minimum credit limit is lower than its relatives requiring an annual fee. For instance, the Ink Business Cash® Credit Card has a minimum limit of $3,000 compared to $5,000 for the Ink Business Preferred® Credit Card.

This card earns up to 5% back on qualifying business purchases. You can redeem your rewards for travel, cash back, and gift cards.

Related: Ink Business Cash Card Review

Ink Business Unlimited Credit Card

The Ink Business Unlimited® Credit Card doesn’t charge an annual fee and has a $3,000 minimum starting credit limit.

All card purchases earn 1.5% back. This product is better than the Ink Business Cash if your spending doesn’t align with the tiered bonus categories. Rewards are redeemable for travel, cash back, and gift cards.

Related: Ink Business Unlimited Card Review

Ink Business Preferred Credit Card

The Ink Business Preferred® Credit Card is harder to qualify for than the Ink Cash or Ink Unlimited, and you may consider having a score above 700 to improve your odds.

This card is also the most desirable Ink Business credit card for travelers since it has a 25% travel redemption bonus and 1:1 point transfers. Additionally, it has a reasonable $95 annual fee.

New Ink Business Preferred® Credit Card cardholders can earn 100k bonus points after spending $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠.

Qualifying business purchases can earn up to 3 points per $1. You can read our Ink Business Preferred review to decide if this card is a good fit.

Related: How Hard Is It To Get the Chase Ink Business Preferred?

IHG One Rewards Premier Business Credit Card

New IHG One Rewards Premier Business Credit Card cardholders can earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

The minimum credit limit is $5,000, and the annual fee is $99.

It’s possible to earn up to 26x total points on IHG purchases.

Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.

As long as you remain a Premier Business card member, you will have Platinum Elite status.

Related: IHG One Rewards Premier Business Credit Card

Southwest Rapid Rewards Premier Business Credit Card

Another option that is one of the easiest Chase business cards to get is the Southwest® Rapid Rewards® Premier Business Credit Card. It has a minimum $5,000 credit line and a $99 annual fee.

You can earn up to 3 points per $1 on purchases, 2 EarlyBird Check-In® per year, 25% back on in-flight purchases, and a $500 fee credit for points transfer.

New Southwest® Rapid Rewards® Premier Business Credit Card cardholders can earn 60,000 points after spending $3,000 on purchases in the first 3 months the account is open.

If you’re a frequent business traveler, you can also be a strong candidate for the Southwest® Rapid Rewards® Performance Business Credit Card which also sports a $5,000 credit limit. It has more features but also carries a $199 annual fee.

Related: The Best Southwest Credit Cards Review

United Business Card

The United℠ Business Card is the easiest of the United Airlines business credit cards to get as it’s for general business travel and has a minimum $5,000 credit limit.

Card benefits include:

  • Up to 2 United miles per $1 on purchases
  • Earn up to 1,000 Premier qualifying points (PQP) annually
  • 25% back on in-flight purchases
  • Free first checked bag for the primary cardholder and one companion
  • $100 United flight credit after qualifying purchases
  • 2 United Club one-time passes per year
  • Priority boarding

In contrast, the alternative option is the premium United Club℠ Business Card with a starting $15,000 limit that can be substantially harder to qualify for, even for established businesses.

New United℠ Business Card cardholders can earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months of account opening. Plus, enjoy a $0 introductory annual fee for the first year, then $99.

Related: The United Business Card Review

World of Hyatt Business Credit Card

The World of Hyatt Business Credit Card has a minimum $5,000 credit limit and a $199 annual fee. Its signup bonus is 60,000 Hyatt points after spending $5,000 in the first 3 months.

Featured benefits include:

  • Up to 9 points total per $1 spent at Hyatt (4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member)
  • World of Hyatt Discoverist status
  • Gift Discoverist status to 5 employees for free
  • 5 Tier-Qualifying Night Credits per $10,000 in calendar year purchases
  • Curated business beneigts
  • No foreign transaction fee 

New World of Hyatt Business Credit Card cardholders can earn 60,000 Bonus Points after they spend $5,000 on purchases in their first 3 months from account opening.

Related: The World of Hyatt Business Credit Card Review


So, what is the easiest Chase business card to get? As you compare the best Chase business credit cards, the base requirements are a minimum 670 credit score, being under the 5/24 threshold, and earning reliable business income. The Ink Business Cards without an annual fee is an excellent starting point, but the entry-level co-brand cards can have similar application guidelines.

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