The card_name is a business card from Chase that I often recommend. The main features of the card include the following:
- 1.5 points per dollar on every purchase
- annual_fees annual fee
- intro_apr_rate,intro_apr_duration.
As a business card, the card_name is one of the first cards I recommend, and indeed, it often acts as a default card for me. This is because it’s generally easy to qualify for and doesn’t require much thinking since it earns the same amount on every purchase.
One important thing to note is that while the card_name bills itself as a cash back card, you actually earn Chase Ultimate Rewards points. This makes it very valuable since you can transfer your Chase Ultimate Rewards points to transfer partners so long as you have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred cards.
In this post, I’m going to go over the features of the card_name and discuss why this is a card I highly recommend and one I regularly default to when I’m looking to pay for something.
card_name Review
The card_name is a business credit card from Chase that comes with a lot of benefits. At the outset, it’s a simple card to use, offering 1.5 points per dollar on every purchase you make with the card. That’s helpful since it means you don’t have to keep track of different categories. As a general spend card, the card_name is a good one to keep in your wallet. For me, this is usually the card I use when I don’t have any obviously better card to use.
(Remember that the card_name earns Chase Ultimate Rewards points. If you have at least a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred card, you’ll be able to transfer your points to travel partners, which can help maximize your points values)
The other nice benefit of the card_name is that it has no annual fee. A good card like this with no annual fee is nice, not just because the card is good and usually offers a good welcome bonus, but because it means you have one less thing you have to keep track of. Since the card has no annual fee, it’s okay to simply keep it around, even if you aren’t necessarily using it.
Finally, the card_name has the benefit of being a business credit card, which means it doesn’t count toward your Chase 5/24 status. For some people, your Chase 5/24 status might not matter much. But if you’re like me and collect a lot of points and miles, paying attention to your Chase 5/24 status matters a lot (for more information about what the Chase 5/24 rule is all about, check out this post: Chase 5/24 Rule – Maximize Your Travel Hacking.
How To Apply For The card_name
To apply for the card_name, go to the signup page for the card. Here is the current welcome offer for the card_name:
card_name
A good business card that offers 1.5% back on all purchases.
View Current offer
bonus_miles_full
Most people who don’t understand how business cards work will hesitate to apply for the card_name because it’s a business card. That means to be eligible for the card, you need to have a business. The thing most people don’t realize is that any money you earn outside of a W-2 job qualifies you as a business.
That means if you have any side hustle, even a simple one, you are eligible for a business credit card like the card_name. So if you deliver for DoorDash or Uber Eats, or drive for Uber or Lyft, or walk dogs with apps like Rover or Wag, or sell things on eBay, or pretty much anything, you are a business and are eligible for a business credit card.
The key is to fill in the correct information when you apply for the card. In the application, you’ll have two parts to fill out – the first part deals with your personal information (things like your name, SSN, income, and all the normal stuff you’d provide when applying for any credit card).
The second part of the application will be about your business. These are the important things to know when filling out this section:
- Unless you have an actual separate entity for your business, you’ll most likely be applying as a sole proprietor.
- For the business name, use your own full name if you’re applying as a sole proprietor. Do not make up a business name unless you actually have an entity with that name.
- For the Tax ID number, you can use your Social Security Number. That’s generally the easiest thing to do, although if you want, you can also get an EIN from the IRS for free (https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online).
- For the business start date, put the date you started your business. It’s generally not too big of a deal what date you put.
- For the annual business revenue, you can put in any amount you want. While there is no minimum revenue to qualify for the card, I find it’s usually best to have business revenue of at least $1,000. Note that your business revenue can be based on projected or estimated revenue, so if you have a new business, you can be optimistic and put $1,000 or more.
If you’re lucky, you’ll receive instant approval (which is awesome when that happens). However, most of the time, you’ll receive a message saying that your application is being reviewed. You can usually wait and after a few days, your application will get automatically approved without you needing to do anything. In some circumstances, you may have to provide additional information, but I’ve never had to do that in all the years I’ve been opening Chase business credit cards.
The Best Ways To Earn Points On The card_name
There are three main ways to earn points with the card_name. These include the following:
1. Signup Bonus
The best way to earn points from the card_name is to sign up for the card and earn the signup bonus after meeting a certain spend requirement. Below is the current welcome offer for the card_name:
card_name
A good business card that offers 1.5% back on all purchases.
View Current offer
bonus_miles_full
2. Earn Points For Everyday Spend
The second obvious way to earn points is via regular spending on your card. You’ll earn 1.5 points per dollar on all purchases with the card_name. These are Chase Ultimate Rewards Points, so if you have a card like the Chase Sapphire Reserve, you can transfer your points to the Chase Sapphire Reserve, then use them in the travel portal at 1.5 cents per point.
3. Refer Friends And Family To The card_name
The final way you can earn points with the card_name is by referring friends and family members to the card. There isn’t always a referral bonus, but if there is, always make sure your friends and family use your link if they’re going to be getting the card anyway.
To see if there is a referral bonus, check out the Chase Refer-A-Friend page.
Final Thoughts
The card_name is one of the best business credit cards because of the good welcome offer, no annual fee, and ease of use. For many people, this is a card you’ll keep in your wallet forever (with no annual fee and 1.5 points per dollar, there’s not really much downside to keeping the card open if you need it).
The only challenge to getting this card is that you need to have a business to qualify for the card. However, almost everyone reading this has a business, even if you don’t realize it. If you earn any money outside of a W-2 job, you will be eligible for this card.
And if somehow you literally earn no money outside of a W-2 job, then consider signing up for a gig economy app or doing anything to earn extra income. Just being able to get access to business credit cards like the card_name will make it worthwhile.
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