Find Out How Many Chase Business Cards You Can Have

Get the lowdown on how many Chase business cards you can get and how often you should apply for one.
Last updated Apr 27, 2020 | By Sarah Li Cain
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As a business owner, I want to be able to maximize any business expenses I have — enter credit card rewards.

You may already know that Chase offers some of the top business credit cards around (as well as an amazing rewards program with Chase Ultimate Rewards). 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 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.

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How many Chase business cards can I have?

The truth is, there’s likely no hard limit to how many Ink business 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 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 sign-up bonuses. 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 sign-up bonus 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.

The best 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 Chase business cards 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. 

Card name Card basics Annual Fee
Chase Ink Business Unlimited
  • Earn $500 cash back after spending $3,000 in the first 3 months
  • 1.5% cash back on all spending
  • 0% intro APR on purchases for 12 months
$0
Chase Ink Business Cash
  • Earn $500 bonus cash back after spending $3,000 in the first 3 months
  • 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else
  • 0% intro APR on purchases 12 months
$0
Chase Ink Business Preferred
  • Earn 100,000 points after spending $15,000 in the first 3 months

  • 5X points on Lyft rides; 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else

  • No foreign transaction fees

$95
United Business
  • Earn 100,000 bonus miles after spending $10,000 in the first three months

  • 2X miles on United purchases, at restaurants, gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else

$99
Southwest Rapid Rewards Premier Business
  • Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months

  • 2X points on eligible Southwest Airlines purchases and 1 point per $1 spent on all other purchases

$99

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 Ultimate Rewards 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 Sign-up Bonus

Benefits

  • 100,000 point sign-up bonus
  • 3X points on travel and common business spending categories
  • Flexible redemption options
  • Additional employee cards at no extra cost