Lisa Cahill, Credit Cards Moderator
@lisacahill
One of the easiest Chase business credit cards to get is the co-branded IHG One Rewards Premier Business Credit Card. All Chase business cards require at least good credit for approval, though co-branded cards without a ton of premium perks tend to be easier to get than the company’s signature business credit cards. The IHG One Rewards Premier Business Credit Card comes with an annual fee of $99, in addition to 3 - 10 points per $1 spent on purchases.
Before you apply for a Chase business credit card, you can check your credit score for free here on WalletHub to see where you stand. You will also need to have enough income to make the monthly minimum payments, among other requirements. Below, you can learn more about the easiest targets.
Chase Business Credit Cards That Are Relatively Easy to Get
Transfer Intro APR: Not Offered
Regular APR: 19.24% - 27.74% (V)
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Initial Bonus: 140,000 bonus points after spending $4,000 in the first 3 months, plus an additional 60,000 bonus points after spending a total of $9,000 in the first 6 months from accounts opening
Ongoing Rewards: 10 points per $1 spent at IHG hotels, 5 points per $1 at gas stations, restaurants, on travel, select advertising and office supply stores, as well as 3 points per $1 on all other purchases
Annual Fee: $99
Credit Score: Good
Transfer Intro APR: Not Offered
Regular APR: 19.24% - 27.74% (V)
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Initial Bonus: 80,000 bonus points after spending $10,000 in your first 3 months
Ongoing Rewards: 4 points per $1 spent on qualified purchases at Hyatt hotels, 2 points per $1 spent in top three spend categories each quarter, 2 points per $1 on fitness club and gym memberships, and 1 point per $1 on all other purchases after that
Annual Fee: $199
Credit Score: Good
Initial Bonus: 80,000 points for spending $5,000 in the first 3 months
Ongoing Rewards: 4 points per $1 spent on Southwest® purchases, 2 points per $1 spent at gas stations and on restaurant purchases, 2 points per $1 on local transit and commuting, including rideshare, 2 points per $1 on hotel stays booked directly with the hotel, and 1 point per $1 on all other purchases
Annual Fee: $299
Credit Score: Good
Initial Bonus: 60,000 points after spending $3,000 in the first 3 months
Ongoing Rewards: 3 points per $1 spent on Southwest Airlines® purchases, 2 points per $1 at gas stations and on restaurants purchases on the first $8,000 in combined purchases per year, and 1 point per $1 spent on all other purchases
Annual Fee: $149
Credit Score: Good
Initial Bonus: 100,000 miles and 2,000 PQP for spending $5,000 in the first 3 months
Ongoing Rewards: 2 miles per $1 spent on United purchases, 2 miles per $1 at restaurants (including eligible delivery services), gas stations, office supply stores, and on local transit and commuting, and 1 mile per $1 on all other purchases
Annual Fee: $150
Credit Score: Good
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 either your Social Security number or Individual Tax ID number and if applicable, an Employer Identification number. In many cases, you’ll get a decision within minutes, though it could take around 7 to 10 business days.
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.
People also ask
Is it hard to get a Chase business credit card?
It can be hard to get a Chase business credit card if you have a low credit score. You need a good or excellent credit score of 700 or higher to qualify, and you must meet other approval requirements, such as having a stable income, being at least 18 years old, and having an SSN or ITIN.
Minimum Credit Score for Chase Business Credit Cards
- Ink Business Premier® Credit Card: 700 (good credit)
- Ink Business Cash® Credit Card: 700 (good...
What is the easiest business credit card to get?
The easiest business credit cards to get are secured business credit cards, such as the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card. It accepts applicants with bad credit and doesn't even require a minimum credit score, making it very easy to get. This card also rewards you with 1.5% cash back on all purchases and has a $0 annual fee.
Easiest Business Credit Cards to Get in 2026
- Best for Bad Credit: Business Advantage Unlimited Cash Rewards Secured Card
- Best for No Credit: Capital One Spark Classic for Business *
- Best for 0% APR and...
What credit card can I get for a new LLC?
A good credit card to consider for a new LLC is the Capital One Spark Classic for Business *, as it offers a range of business benefits such as year-end summaries, employee cards at no extra cost and experienced small business customer service. This card is even available to LLC representatives with limited credit.
You can learn more about these benefits from WalletHub’s most recent Business Credit Card Study as well as check your credit score for free on WalletHub.
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