The Chase is a business credit card from Chase. Application typically pulls a hard report from Experian. The annual fee is $795. The ongoing APR is 17.74%–28.49% after a 0% intro APR for 12 months from account opening on purchases introductory rate for 12 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.. Rewards: Earn 8x on Chase Travel, get complimentary access to the Chase Sapphire Lounge by the Club network, including Priority Pass Select, and more.. Cash back: 1.5% cash back rewards on every purchase made for your business. 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. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. 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. | EXPERT REFERENCE (Dec 2025): Joseph got $71,000 from Chase with a 3-month-old LLC | EXPERT REFERENCE (Aug 2025): 0% for 12 months | EXPERT REFERENCE (Aug 2025): Approvals up to $75K | EXPERT REFERENCE (Aug 2025): High-limit potential with multiple LLCs | EXPERT REFERENCE (Sep 2025): $50,000 approval on a single Chase business card with a brand-new LLC. | EXPERT REFERENCE (Sep 2025): Two Chase business cards approved in the same week, totaling $71,000. | EXPERT REFERENCE (Sep 2025): Chase pulled a second credit bureau unexpectedly. | EXPERT REFERENCE (Jun 2025): Approved for $55,000 Chase INK Unlimited card with no documentation required. | EXPERT REFERENCE (Jun 2025): Initial approval for $16,000 with no personal Chase relationship needed. | EXPERT REFERENCE (Jun 2025): $3,000 auto credit limit increase after six months. | EXPERT REFERENCE (Jun 2025): Second card approval for $36,000 with no documentation. | EXPERT REFERENCE (Jun 2025): Credit limit reallocation allowed moving $14,000 between cards, maintaining 0% APR. | EXPERT REFERENCE (May 2025): $47,000 business credit approval in under 30 days | EXPERT REFERENCE (May 2025): Only one hard pull for two Chase business cards | EXPERT REFERENCE (May 2025): Business owner had FICO scores of 813, 816, and 822 | EXPERT REFERENCE (May 2025): Utilization was ~4% across all cards | EXPERT REFERENCE (May 2025): Oldest account dated back to 2012 | EXPERT REFERENCE (May 2025): Highest limit on personal credit cards was around $7,000 | EXPERT REFERENCE (Apr 2025): Approved for $50,000 Chase INK Unlimited card with no documents and no revenue. | EXPERT REFERENCE (Apr 2025): Personal Credit Score: 782 Experian FICO 8. | EXPERT REFERENCE (Apr 2025): Recent Hard Inquiries: 1 in the past 6 months. | EXPERT REFERENCE (Apr 2025): Credit Utilization: 13%. | EXPERT REFERENCE (Apr 2025): Average account age of 5–7 years. | EXPERT REFERENCE (Apr 2025): No negative marks on credit report. | EXPERT REFERENCE (Apr 2025): Business Type: Real Estate Property Management. | EXPERT REFERENCE (Apr 2025): Business Age: 2 months. | EXPERT REFERENCE (Apr 2025): Business Revenue: $0 collected, projected $425,000 in the first year. | EXPERT REFERENCE (Apr 2025): Employment Stated: $175,000 household W-2 income. | EXPERT REFERENCE (Apr 2025): Employees Reported: Yes, listed as W-2 employees. | EXPERT REFERENCE (Apr 2025): FICO Score: 834 | EXPERT REFERENCE (Apr 2025): Bureau Pulled: TransUnion | EXPERT REFERENCE (Apr 2025): Hard Inquiries: 5 (all from Chase) | EXPERT REFERENCE (Apr 2025): Utilization: Under 1% | EXPERT REFERENCE (Apr 2025): Business Structure: Sole Proprietor | EXPERT REFERENCE (Apr 2025): Business Revenue: $36,000/year | EXPERT REFERENCE (Apr 2025): Application Method: Pre-approved, in-branch | EXPERT REFERENCE (Apr 2025): Starting Limit: $11,000 | EXPERT REFERENCE (Apr 2025): Decision Time: A few hours | EXPERT REFERENCE (Mar 2025): Chase can approve you for a $20,000+ business credit limit with NO Docs required. | EXPERT REFERENCE (Mar 2025): Personal credit scores in the mid-700s to 800s consistently received higher credit limits from Chase. | EXPERT REFERENCE (Mar 2025): Approval amounts seen include $40K, $25K, and $20K. | EXPERT REFERENCE (Mar 2025): Average Experian FICO score for approvals over $20K was 773.