The Chase is a business credit card from Chase. Application typically pulls a hard report from Experian. The annual fee is $299 applied to first billing statement.. The ongoing APR is 19.49% to 27.99% variable APR (Pricing & Terms; Prime 7.00% as of 9/22/2026; Prime + 12.49% to 20.99%, maximum 29.99%). Approval typically requires a credit score of 700+ or higher. Signup bonus: Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.. Rewards: 4 points per $1 on Southwest Airlines purchases; 2 points per $1 on hotel accommodations booked directly with the hotel; 2 points per $1 on gas station and restaurant purchases; 2 points per $1 on local transit and commuting, including rideshare; 1 point per $1 on all other purchases; 9,000 bonus points each year after the cardmember anniversary; 25% back on inflight purchases. Cash back: 25% back on inflight purchases. Loan terms: Revolving business credit card; due date at least 20 days after each billing cycle closes; Chase Pay Over Time plans available (fixed monthly fee instead of interest). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. Bureau pull varies by state. Business cards do NOT report balances to personal credit (only hard pull on application). Reports to D&B, Experian Business, Equifax Business.