Which chase business card is easiest to get

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The easiest Chase credit card to get is the Chase Freedom® Student credit card, but it’s only available to students. Applicants can get approved for this card with limited credit. This means the odds of approval are good even for people who are new to credit, making the Chase Freedom® Student credit card much easier to get than other Chase credit cards.

All other Chase credit cards require at least good credit for approval, and some require excellent credit. But while Chase cards aren’t that easy to obtain, there are several other credit cards that are easy to get.

Easiest Credit Cards to Get

  • Which chase business card is easiest to get
    No Credit Checked: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
  • Which chase business card is easiest to get
    No Annual Fee: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
  • Which chase business card is easiest to get
    Unsecured: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
  • Which chase business card is easiest to get
    Cash Back: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website

Having one of these credit cards may increase your chances of landing a Chase credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.

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Justine Browns, Member

@justine_browns 04/04/18 This answer was first published on 04/04/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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I think the easier ones to get would be Chase Freedom Flex℠ and Chase Freedom Unlimited®. This means you might get approved for them even without having an excellent credit score. You’d still need to have good credit, which means at least 700. They’re both good credit cards that give you cash back, and a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

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Francine Yates, Member

@francine_yates 03/16/18 This answer was first published on 03/16/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Chase doesn't really make "easy to get" cards, like for bad credit. Generally you need 700 and above to get one of them.

For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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One of the best Chase business credit cards is the Ink Business Preferred® Credit Card because it offers 100,000 points for spending $15,000 in the first 3 months. This card also gives 3 points per $1 on the first $150,000 spent per year on travel and select business expenses, and 1 point per $1 on all other purchases.

In addition to its rewards, Chase Ink Preferred provides free employee cards and has a $0 foreign transaction fee. The annual fee is $95.

Best Chase Business Credit Cards

  • Which chase business card is easiest to get
    Overall: Ink Business Preferred® Credit CardInk Business Preferred® Credit CardLearn MoreLearn Moreon issuer's website

The Chase Ink Preferred card is one of the best business credit cards with rewards, offering a ton of value at a pretty low cost. This card requires at least good credit for approval and has a $95 annual fee.

Initial bonus: 100,000 points for spending $15,000 in the first 3 months.

Rewards: 3 points per $1 on the first $150,000 spent per year on travel and select business expenses, and 1 point per $1 on all other purchases.

Other benefits: The Chase Ink Preferred card also comes with fraud protection, purchase protection, extended warranty protection, and travel insurance, among other benefits.


  • Which chase business card is easiest to get
    High Rewards Rate: New Business Card! Ink Business Premier℠ Credit CardNew Business Card! Ink Business Premier℠ Credit CardLearn MoreLearn Moreon issuer's website

The Ink Business Premier card is a good credit card for business owners with at least good credit who plan to make big purchases and don’t want to deal with rewards rates that vary by spending category. The card has a $195 annual fee.

Initial bonus: $1,000 for spending $10,000 in the first 3 months.

Rewards: 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases.

Other benefits: The Ink Business Premier card also comes with fraud protection, purchase protection, cell phone protection, and extended warranty protection, among other benefits.


  • Which chase business card is easiest to get
    Cash Back: Ink Business Cash® Credit CardInk Business Cash® Credit CardLearn MoreLearn Moreon issuer's website

The Ink Cash card is a very good credit card for business owners with at least good credit who want to earn cash back rewards. In fact,  Ink Cash offers the best ongoing cash back bonuses of any Chase business credit card. Plus, the card is easily worthwhile considering its $0 annual fee.

Initial bonus: $900 for spending $6,000 in the first 3 months.

Rewards: 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 spent per year at gas stations and restaurants combined; and 1% back on all other purchases.

Other benefits: The Ink Cash card also comes with fraud protection, purchase protection, extended warranty protection, and roadside dispatch, among other benefits.


  • Which chase business card is easiest to get
    Flat-Rate Rewards: Ink Business Unlimited® Credit CardInk Business Unlimited® Credit CardLearn MoreLearn Moreon issuer's website

The Chase Ink Business Unlimited card comes out on top if you want to earn rewards at a flat rate. The card requires at least good credit for approval and has a $0 annual fee.

Initial bonus: $900 for spending $6,000 in the first 3 months.

Rewards: 1.5% cash back on all purchases.

Other benefits: The Chase Ink Business Unlimited card also comes with fraud protection, purchase protection, and extended warranty protection, among other benefits.

If your business involves travel, you could also benefit from several co-branded Chase credit cards.

Some of the Best Chase Co-Branded Business Credit Cards

  • Which chase business card is easiest to get
    Airline Miles: United℠ Business CardUnited℠ Business CardLearn MoreLearn Moreon issuer's website

The United Business Credit Card offers 1 - 2 miles per $1 on purchases. The card also gives 75,000 miles for spending $5,000 in the first 3 months. Cardholders get a free first checked bag on United flights, too.

This card requires at least good credit and its annual fee is: $0 intro 1st yr, $99 after.


  • Which chase business card is easiest to get
    Low Annual Fee: Southwest Rapid Rewards® Plus Credit CardSouthwest Rapid Rewards® Plus Credit CardLearn MoreLearn Moreon issuer's website

The Southwest Plus Card offers 1 - 2 points per $1 spent on purchases, plus two free checked bags on Southwest flights. The card also gives a 50,000 points for spending $1,000 in the first 3 months.

This card requires at least good credit and has a $69 annual fee.


  • Which chase business card is easiest to get
    Hotel Rewards: IHG® Rewards Premier Credit CardIHG® Rewards Premier Credit CardLearn MoreLearn Moreon issuer's website

The IHG Premier offers 3 - 10 points per $1 on purchases. The card gives a 140,000 points for spending $3,000 in the first 3 months, plus a free night after each account anniversary.

This card requires at least good credit and has a $99 annual fee.

How to Apply for a Chase Business Card

The easiest way to apply for a Chase business card is online. Just choose the card you prefer and click on the “Apply Now” button. You can also apply for a business credit card in person, at a Chase Bank branch during normal business hours.

You'll have to supply Chase with your personal and financial information, including your Social Security number. In many cases, you’ll get a decision instantly, but it could take up to 30 days to receive a decision letter by mail.

Keep in mind that most Chase business cards require at least good credit for approval. You can check your credit score for free on WalletHub to see where you stand. You will also need to have proof of business income, among other requirements.

If you’re not committed to Chase, you can also check out our editors’ latest picks for the best business credit cards on the market to weigh your options.

What credit score is needed for a Chase business card?

It may be hard to get a Chase business credit card if your personal score is in the fair range or below. Typically, to qualify for a Chase business card, you'll want to have a good credit score or higher (690+).

Are Chase business cards easy to get?

Qualifying for a Chase business card might be easier than you think. Chase business cards won't show up on your personal credit report, so they don't count against your “5/24” limit. You don't need to make six-figure sales or have an Employer Identification Number to get approved for a Chase business card.

What Chase cards are easiest to get?

The easiest Chase credit card to get is the Chase Freedom® Student credit card, but it's only available to students. Applicants can get approved for this card with limited credit.

Does Chase Ink business card do a hard pull?

Yes, Chase Ink Preferred does do a hard pull on your credit report when you apply for the card.