The Chase Ink credit limit is $3,000 for the Ink Cash and Ink Unlimited cards and $5,000 for Ink Business Preferred, at a minimum. Chase Ink credit limits above the minimum amount are available, depending on the applicant’s overall credit standing. This includes the personal credit score, annual income, and outstanding debt of the applicant, among other factors. Highly qualified applicants have reportedly been approved for credit limits starting at $25,000 and above.
If you use the card responsibly, it’s possible your Chase Ink business credit card limit will automatically go up over time. You can also contact Chase directly and request a higher credit limit. Note that if you ask for a credit limit increase on a Chase Ink card, Chase will perform a hard inquiry on your personal credit report, which will temporarily reduce your credit score by a few points.
It’s also worth noting that once you’re approved for a Chase Ink credit card, you can add additional employee cards to your account at no cost. You can set individual spending limits for each employee’s card, too, either through your online account or by calling customer service at 1 (800) 945-2028.
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