No, there is no Chase Sapphire business credit card, but there are other Chase business credit cards that don’t bear the Sapphire name.
It’s also good to note that you can still use the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® card for business purchases. It’s legal to use a personal credit card for business purposes. Just don’t also put personal expenses on the card, as that will make keeping your finances in order much more difficult.
Here are some good alternatives to a Chase Sapphire business credit card:
Ink Business Preferred® Credit Card: 100,000 points for spending $15,000 in the first 3 months. 3 points per $1 on the first $150,000 spent per year on travel and select business categories, and 1 point per $1 on all other purchases. $95 annual fee. Good credit needed.
Ink Business Cash® Credit Card: $750 for spending $7,500 in the first 3 months. 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, 1% back on all other purchases . $0 annual fee. Good credit needed.
While there are no Chase Sapphire business cards, there are plenty of good Chase business options to choose from, along with the Sapphire personal cards. One thing to watch out for on the Ink Business cards is that only the Chase Ink Preferred has $0 foreign transaction fees. The other two Ink cards charge 3% of each transaction in U.S. dollars.
Ultimately, you might want to check out our editors’ latest picks for the best business credit cards on the market, to see which one better suits your needs.
The best Chase business credit card is the Ink Business Preferred® Credit Card because it offers a bonus of 100,000 points for spending $15,000 in the first 3 months. Ink Business Preferred also gives 3 points / $1 spent on travel and select business purchases, plus 1 point / $1 on everything else. Preferred provides free employee cards, too. And it has a $0 foreign transaction fee. The annual fee is $95.… read full answer
The Ink Business Cash® Credit Card offers the best ongoing cash back bonuses of any Chase business credit card. It has a $750 bonus for spending $7,500 in the first 3 months. And it gives 5% cash back on the first $25,000 spent per year at office supply stores and on internet/cable/phone services. Plus, it offers 2% back on the first $25,000 spent per year at gas stations and restaurants, along with 1% on everything else. There’s a $0 annual fee.
But if you want to earn rewards at a flat rate, Ink Business Unlimited® Credit Card comes out on top. It offers unlimited 1.5% cash back on all purchases. And it has a $0 annual fee.
The biggest difference between Chase Sapphire® Card and Chase Sapphire Preferred is that only Sapphire Preferred is available to new applicants (the original Chase Sapphire Card was discontinued in 2015). Other key differences between Chase Sapphire and Sapphire Preferred include their bonus rewards and annual fees.
Sapphire Preferred offers an initial bonus worth $1,000 in travel, and it gives 2 points / $1 spent on travel and dining. The original Sapphire card’s double points bonus included only dining purchases. On the other hand, the original Chase Sapphire card had no annual fee, whereas the Preferred card comes with an annual fee of $95.… read full answer
These things are important to note because even though you can’t apply for the Chase Sapphire Card anymore, it didn’t just vanish. If you got it before, you can still use it. And if you’re in that boat, knowing how Sapphire and Sapphire Preferred compare is critical to determining whether you need to make a switch.
Chase Sapphire Preferred
Available to New Applicants?
100,000 points for spending $4,000 in the first 3 months
Bonus Rewards Categories
Travel and Dining
Finally, it’s worth pointing out that the duo of Chase Sapphire cards is actually a trio. The Chase Sapphire Reserve® joined the family in 2016. It’s a good option for high-spending frequent travelers.
To have decent Chase Sapphire Reserve approval odds, applicants need a credit score of 750 or higher, which is considered excellent credit. Chase doesn’t publicly disclose their exact approval criteria. But they will definitely look at income level and current debt load as well as credit history.
You can see if you pre-qualify for a Chase credit card using the tool on … read full answerChase’s website. The tool doesn’t let you check your pre-qualification status for a specific credit card, but Chase Sapphire Reserve may show up in the results. The only way to specifically check for pre-qualification for the Chase Sapphire Reserve Card is by asking at a Chase branch. That’s worth doing if you’re worried about your Chase Sapphire Reserve approval odds. Being pre-approved for a credit card means the chances of success upon applying for real are about 90%.
Getting a feel for your approval odds before applying for a credit card is important because each application causes a temporary dip in your credit score. So, you’ll only want to apply if you have a reasonable shot at success. To that end, there are a few more points to keep in mind as you estimate your Chase Sapphire Reserve approval odds.
Chase Sapphire Reserve Approval Odds Info:
Chase Sapphire Reserve requires excellent credit for a strong chance of approval, which means a score over 750. Many people consider a score of 720 or above to be excellent, but WalletHub has found that 750 is really where the odds begin to tip in your favor.
The average person’s Chase Sapphire Reserve approval odds aren’t so hot. The average credit score is just 679, according to the latest WalletHub data.
Chase considers monthly housing payments, home ownership status, annual income and the source of that income, in addition to pulling credit reports.
The odds of approval will be slim for people who have opened 5 or more new cards in the last 24 months. While it’s not an ironclad rule, it’s definitely worth keeping in mind.
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