Chip Lupo, Credit Card Writer
The Chase Ink requirements for approval are a personal credit score of 700+, business income, and fewer than 5 new credit card accounts in the past 2 years. Chase Ink applicants must also be at least 18 years old (19 in Alabama and Nebraska) and have either an Individual Tax ID number or a Social Security number. Chase will review an applicant’s personal credit history, which includes payment history, existing debt and recent credit inquiries, among other factors.
You don’t have to own a traditional business to be eligible for a Chase Ink card. You can apply if you run a small side business such as freelancing, consulting, ridesharing or property rentals, even if it generates little revenue. Just make sure to fill out the application completely and accurately.
But before you apply, pay close attention to the number of new credit cards you’ve gotten recently. Under the Chase 5/24 rule, your application will likely be rejected if you’ve opened five or more general-consumer credit card accounts in the previous 24 months.
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