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What credit scores get approved for Chase Ink cards?

by on Tue May 13, 2014 • 14 Comments

transferpartnersChase is doing its best to grab attention for new applicants for its Chase Ink Business cards, which earn valuable Chase Ultimate Rewards points. All three cards are great companions for the Chase Sapphire Preferred Card, whose Ultimate Rewards points you can mix and match with points you earn from the Ink cards and transfer to several airline mile and hotel programs.

What score does it take to qualify?

Like most good travel rewards cards you’re going to need a clean credit history, as you are approved based on your personal credit profile, not the credit history of your business. That’s because you personally are guaranteeing the charges you make on the cards.

While credit scores are no guarantee of acceptance, Credit Karma members have received approvals with these TransUnion New Account credit scores as of the date of this post:

Chase Ink Cash Business Credit  Card

  • Lowest score approved: 597
  • Average approved: 724

Chase Ink Plus Business Credit Card

  • Lowest score approved: 681
  • Average approved: 734

These approval metrics are only guidelines and approval is not guaranteed. They’re not representative of the population of people who apply for Ink cards as a whole, but you can see you don’t need an 800+ score to be approved for one of these cards. In fact they are pretty typical levels we’ve seen for other rewards cards listed by Credit Karma. You can read their info on approval and credit history here.

How big of a company do I have to run?

You don’t need to have a full fledged corporation to qualify for the Ink or any other business cards from Chase.

These are designed for the smallest of businesses, and Chase understands that many of today’s businesses are just getting started, or run by people who have regular day jobs. But you may want to keep your expenses separate.

You don’t need a business with established revenue.

Every business has to start at zero, but has some expenses to get started, and that’s when a business card like the Ink cards can be very helpful. Whether you’re consulting, babysitting for friends, selling on eBay, or blogging, if you plan to earn some money from it you’ve got a business.

You don’t need to file special paperwork.

Your own social security number can be the tax ID for your business – there’s no need to be fully incorporated to get a business card and earn points. You can decide on that later.

And if you have a business fully up and running that’s great news and these cards can save you money by offering some of the most powerful rewards available for business owners and their employees.

How to get 2x on dining spending

5x points on telecommunications and office supplies up to the first $50,000 a year is very generous on the Ink Plus and Bold. While 2x on gas and hotel spending helps when you’re on the road.inkcash1

But a lot of people wish their Ink Plus or Bold cards had 2x points on dining purchases like the Chase Sapphire Preferred personal card.

Well, you can simulate that for no extra charge.

The Ink Cash has no annual fee and offers 2x points on up to $25,000 in restaurant spending each year. So you can carry both the Ink Cash and your Ink Plus or Bold, and use the Ink Cash for restaurants, while you use the Plus or Bold for everything else. You won’t pay any extra fees and the points you earn from each card can be easily combined at any time online.

While the Ink Cash by itself doesn’t let you transfer points to airline programs like United and Southwest, having an Ink Plus or Bold alongside lets you do that with points you earn from the no annual fee Ink Cash.

Don’t let the ‘Cash’ name fool you.

It earns full Ultimate Rewards points and as long as you have an Ultimate Rewards card that has an annual fee like a Sapphire Preferred, Ink Plus, or Ink Bold, the points you earn from the Ink Cash can be transferred into airline and hotel programs at any time.

Just be aware that international purchases on the Ink Cash do incur a foreign transaction fee, while those on the Ink Plus and Bold do not.

Click here to apply for the Chase Ink Cash offer

Chase is happy to consider letting you carry more than one of its cards because it wants a bigger share of your business wallet.


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Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee, then $95

Annual Fee


Foreign Transaction Fee Waived


Points Can Transfer to Airline Miles ?

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14 thoughts on What credit scores get approved for Chase Ink cards?

  1. Jason

    My credit iS a 704 I already own a well established business and now I opening a new business that requires a lot of online purchases which means I need a card. Will I get approved with a 704?


      @Jason – Hard to say 100% but that’s a very good score if you have good income and not a lot of outstanding credit card debt.

  2. Jimmo

    I have a score of 799 TU/ 799 EQ (800TU/809EQ- prior to credit check for ink preferred) but i don’t have a physical business or office. I do a lot of consulting work on the side such as web hosting and software development and wanted a card to pay for internet, phones, web hosting fees and other supplies. My application has been in “review” for almost a week and they said it can take up to 30 days. Does that usually mean it won’t get approved?

  3. RH

    My credit score is around 706. However my debt to income looks high because I have a rental house with a mortgage. A lot of credit card applications say I cannot claim rental income. Is that true? Also, with a business card, is DTI considered as much as it is for a personal card?


      @rh – What card applications say that? Chase apps allow you to include investment income, which a rental property would be.


      @Sean – Hard to say – that’s hard one to call, and would consider with caution. You might want to work on alternatives like a secured card, or more basic card first to build a history.


      @Stefani – There are no hard and fast rules – but rewards cards like these tend to have people with good to excellent credit.

      1. Stefani Kane

        Ok, thank you. I saw average acceptance was in the 730-40s. Is that correct and does a 750 fall under good-excellent?


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