Does Chase 24 Month Bonus Rule Apply to Chase Ink Business Credit Cards?


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Does Chase 24 Month Bonus Rule Apply to Chase Ink Business Credit Cards?

Chase Ink Business Credit Cards offer good benefits for small businesses. Each card also offers great sign-up bonus cash back and points that are worth applying for. However, it's also very important to understand the rules that apply to the sign-up bonus and the application itself for approval. 

In this post, I want to address the Chase 24 month bonus and Chase 5/24 rules that focus mainly on all Chase ink business credit cards. 

Does Chase 24 Month Bonus Rule Apply to Chase Business Ink Credit Cards?
Photo Credit: Chase
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    What is Chase's 24-month bonus rule?

    It is important to note that the Chase 24 month bonus rule is not the same as the Chase infamous 5/24 rule

    Here's a quick rundown of the differences between the two rules: 
    • Chase 5/24 Rule: If you have 5 or more new credit card accounts with Chase or any other banks in the past 24 months, Chase will not approve your new application. 
    • Chase 24 Month Bonus Rule: If you have a Chase credit card and you have received a new cardmember bonus for that card in the past 24 months, you cannot receive the sign-up bonus again. 

    Does Chase 24-month bonus rule apply to Chase ink business credit cards?

    The Chase 24 month bonus rule restricts new credit card bonuses to one per 24 months (2 years). The restriction term typically can be found on the card's offer details page. However, when it comes to Chase ink business credit cards, the term is nowhere to be found on the card's offer page, but that does not mean that the 24-month bonus rule does not apply to the ink credit cards. 

    At the time of this writing, to see the 24-month bonus rule for a particular Chase ink business credit card: 
    • You have to go to the application page like you were to apply for the card.
    • Scroll down to the bottom of the page until you see the Certifications section. 
    • From there, you should be able to see the 24-month bonus restriction language. 

    Currently, there are two versions of how the rule is worded on the Chase card's application page, but they mean the same:
    This bonus offer is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

    I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.

    Therefore, all Chase Ink Business Credit Cards do contain the Chase 24-month bonus restriction language. 

    Does the Chase bonus 24-month rule start from the card's approval date or the bonus posted date?

    Chase bonus 24-month rule starts from when you last received the card's sign-up bonus, not the time when you opened or were approved for the card.

    For example:
    • You were approved for the card in August 2019.
    • You received the card's sign-up bonus points and the points were posted on your October 2019 statement. 
    • You can receive the sign-up bonus again starting October 2021 - 24 months or 2 years from you last received the bonus. 
      • Technically, you become eligible starting October 2021, but to be safe, I recommend that you apply for the card starting November 2021 instead. 
      • Keep in mind also, to receive the sign-up bonus of a particular card again, you also cannot be the current cardmember. 

    Does Chase 5/24 rule apply to Chase business credit cards?

    Yes. If you have 5 or more opened/closed credit cards with any banks in the past 24 months, Chase will not approve your new application for their business credit cards. It does not matter if you have a nearly perfect credit score, outstanding payment history or you have a pretty good income. 

    It's worth mentioning that Chase retrieves the number of credit cards from your personal credit report, not your business credit report. When you apply for a business credit card with a business tax ID, banks also ask for your personal social security number. That is how your personal credit report is pulled. 

    Does Chase ink business card count towards 5/24?

    As mentioned above, Chase is able to see the number of credit cards you have in the past 24 months based on your personal credit report. It's not based on your business credit report. 

    The vast major bank does not report business credit cards to the personal credit report with the exception of the Capital One bank. This means that all your non-Capital One business credit cards including Chase ink business credit cards will not be reported to your personal credit report, and therefore, each Chase ink business card is NOT counted towards the Chase 5/24 Rule

    It can be confusing when it comes to Chase 5/24 rule and Chase business credit cards. Here are the two things to keep in mind:
    • Chase will not approve you for a Chase ink business credit card if you have 5 or more opened/closed credit cards with any banks in the past 24 months on your personal credit report.
    • Chase does not count your Chase-issued ink business credit card towards the 5/24 rule because the Chase-issued business card does not show on your personal credit report. 

    Current Chase Ink Business Credit Card Offers

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    Posted by: PL

    Hello there! People call me PL and I am a points blogger. Obsessed with using points and miles to elevate travel experiences to explore the world. Enjoy finer things in life and good food. I have a day job, this points blog is mainly my hobby and my contribution back to the points community. If you enjoy reading this post, please help me share it! If you enjoy what you read here, please make sure you subscribe or follow this blog on social media so that you will be notified when there's a new blog's post. I thank you for reading this blog. Your support means a lot to me and it is what makes this blog's work worthwhile. If I can be of any help, you can contact me: thepointslife at gmail dot com

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