Chase points a few of the most sought-after rewards playing cards in the marketplace, however the financial institution additionally has a few of the strictest insurance policies concerning bank card “churning.” It limits cardholders to incomes just one welcome bonus per client Sapphire card and has its infamous 5/24 rule.
Chase has by no means formally commented on the 5/24 rule’s existence, however crowdsourced information confirms that candidates will nearly actually be denied new Chase playing cards if they’ve opened 5 or extra accounts throughout issuers previously 24 months.
All private bank card accounts depend towards this rule, together with playing cards with no preset spending limits and sure store cards. Nevertheless, many business credit cards, together with these issued by Chase, aren’t thought of when Chase determines your 5/24 standing.
If you happen to’re attempting to remain below 5/24, you possibly can nonetheless rack up factors and miles with enterprise playing cards with out affecting your capability to use for Chase playing cards sooner or later. This is not an exhaustive checklist, however it covers a few of my favourite enterprise playing cards obtainable proper now.
Associated: The best no-annual-fee business credit cards
Evaluating the most effective enterprise playing cards to remain below 5/24
| Card | Greatest for | Welcome provide | Incomes charges | Annual payment |
|---|---|---|---|---|
| Ink Business Preferred® Credit Card | Incomes Chase Ultimate Rewards factors in quite a lot of business-centered classes | Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. |
|
$95 |
| Citi® / AAdvantage Business™ World Elite Mastercard® (see rates and fees) | American Airlines loyalists | Earn 75,000 bonus miles after spending $5,000 on purchases throughout the first 5 months of account opening. |
|
$0 introductory annual payment for the primary yr, then $99 thereafter |
| Marriott Bonvoy Business® American Express® Card | Marriott loyalists | Earn 125,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Oct. 22. |
|
$125 (see rates and fees) |
| Ink Business Unlimited® Credit Card (see rates and fees) | Incomes easy cash back | Earn $900 bonus money again after spending $6,000 on purchases within the first three months from account opening. |
|
$0 |
| The Hilton Honors American Express Business Card | Hilton loyalists | Earn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Jan. 14. |
|
$195 (see rates and fees) |
| The Blue Business® Plus Credit Card from American Express | Incomes quite a lot of American Express Membership Rewards factors | Earn 15,000 bonus factors after spending $3,000 on purchases within the first three months of card membership. |
|
$0 (see rates and fees) |
The knowledge for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: The best business and personal credit card combinations
Ink Enterprise Most well-liked Credit score Card
Welcome provide: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Based mostly on TPG’s October 2025 valuations, this provide is price $1,845.
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Annual payment: $95.
Why I prefer it: Though that you must be below 5/24 to be authorized for this card, the Ink Business Preferred Credit Card will not depend towards this rule. Plus, it earns valuable Ultimate Rewards points in quite a lot of bonus classes that enchantment to enterprise homeowners, and these factors could be transferred to certainly one of Chase’s 14 hotel and airline partners (13 partners after Oct. 16).
You will additionally take pleasure in perks like primary car rental insurance when renting for enterprise and cellphone protection. If your small business spends closely on this card’s bonus classes, this card is usually a highly effective addition to your pockets regardless of its annual payment.
To study extra, take a look at our full review of the Ink Business Preferred.
Associated: 5 reasons to get the Chase Ink Business Preferred Credit Card
Citi / AAdvantage Enterprise World Elite Mastercard
Welcome provide: Earn 75,000 bonus miles after spending $5,000 on purchases throughout the first 5 months of account opening.
Based mostly on TPG’s October 2025 valuations, this provide is price $1,163.
Annual payment: $0 introductory annual payment for the primary yr, then $99 thereafter.
Why I prefer it: No matter whether or not you fly American incessantly, yow will discover nice worth on this card’s welcome bonus as a result of the provider is a member of the Oneworld alliance. Many nice redemption choices exist for anybody who can discover the sweet spots in the AAdvantage program.
For instance, TPG bank cards author Danyal Ahmed just lately booked three Japan Airways business-class seats for his household to journey from Kansai Worldwide Airport (KIX) in Japan to Los Angeles Worldwide Airport (LAX) for 60,000 AAdvantage miles every.
For individuals who favor American for his or her travels, you may take pleasure in perks like a free checked bag on home itineraries, 25% off inflight purchases and the power to earn a companion certificate after renewing your card and spending $30,000 or extra in a cardholder yr.
To study extra, take a look at our full review of the AAdvantage Business Mastercard.
Apply right here: Citi / AAdvantage Business World Elite Mastercard
Associated: What credit score do you need to get the Citi / AAdvantage Business World Elite Mastercard?
Marriott Bonvoy Enterprise American Specific Card
Welcome provide: Earn 125,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Oct. 22.
Based mostly on TPG’s October 2025 valuations, this provide is price $875.
Annual payment: $125.
Why I prefer it: One other stable choice is the Marriott Bonvoy Business Amex Card, because it has a beneficiant welcome bonus. With the Bonvoy Enterprise Amex, you may get complimentary Gold Elite status, which incorporates perks like 25% bonus earnings on Marriott stays and a pair of p.m. late checkout (topic to availability).
As a cardmember, you may additionally obtain a free night award certificate yearly after your card renewal month and different Marriott perks. Chase Final Rewards factors additionally switch to Marriott, so it is a nice card to pair together with your present Chase accounts.
Marriott has over 9,300 properties worldwide, together with many nice accommodations the place you should utilize free evening certificates. That features the Sheraton Denarau Villas, the place I beforehand redeemed a certificates.
To study extra, take a look at our full review of the Bonvoy Business Amex.
Apply right here: Marriott Bonvoy Business American Express Card
Associated: Here’s why you need both a personal and business Marriott Bonvoy credit card
Ink Enterprise Limitless Credit score Card
Welcome provide: Earn $900 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual payment: $0.
Why I prefer it: The Ink Business Unlimited Credit Card presents limitless 1.5% money again on each enterprise buy, excellent for many who like simplicity with earnings.
Plus, if you happen to pair this card with a Chase card that earns Ultimate Rewards points, just like the Chase Sapphire Preferred® Card (see rates and fees), you possibly can pool your Ink Enterprise Limitless rewards and have entry to Chase’s switch companions for max redemption worth.
If you happen to favor a easy, no-frills method to incomes money again, this card is a superb choice to remain below 5/24 with out paying an annual payment.
To study extra, take a look at our full review of the Ink Business Unlimited.
Apply right here: Ink Business Unlimited Credit Card
Associated: Your guide to the Chase Ink Business credit cards
Hilton Honors American Specific Enterprise Card
Welcome provide: Earn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Jan. 14.
Based mostly on TPG’s October 2025 valuations, this provide is price $875.
Annual payment: $195.
Why I prefer it: If you happen to keep at Hilton hotels incessantly and are available in the market for a cobranded hotel card for your small business, the Hilton Honors Amex Business is a stable choice.
It has a easy earnings construction. You will earn 12 factors per greenback spent at Hilton properties. Plus, you may earn 5 factors per greenback spent on all different purchases for the primary $100,000 in spending per calendar yr (then 3 factors per greenback thereafter).
Plus, cardmembers obtain computerized Hilton Gold status and National Emerald Club Executive status (enrollment within the Emerald Membership program is required).
To study extra, take a look at our full review of the Hilton Honors Amex Business.
Apply right here: Hilton Honors American Express Business Card
The Blue Enterprise Plus Credit score Card from American Specific
Welcome provide: Earn 15,000 bonus factors after spending $3,000 on the cardboard within the first three months of card membership.
Based mostly on TPG’s October 2025 valuations, this provide is price $300.
Annual payment: $0.
Why I prefer it: Reaching minimal spending necessities for welcome bonuses could be troublesome for small companies with out excessive annual spending. Nevertheless, The Blue Business Plus has a welcome provide that is attainable for many companies, no matter their annual spending.
Moreover, if you happen to worth simplicity with earnings, this card is a superb match. You will earn 2 factors per greenback spent on all purchases for the primary $50,000 in spending per calendar yr, then 1 level per greenback after.
If your small business spends lower than $50,000 every year, this card is a wonderful selection. Plus, you may earn Membership Rewards factors and have entry to Amex’s roster of 20 hotel and airline partners.
To study extra, take a look at our full review of the Blue Business Plus.
Apply right here: The Blue Business Plus Credit Card from American Express
Associated: Amex Blue Business Cash vs. Blue Business Plus: The battle of the blues
Issues to contemplate when making use of
Just about any enterprise bank card will help you proceed to earn welcome bonuses whereas staying below 5/24. Take into accout, although, that different issuers have their own restrictions in place that may have an effect on your approval.
Fortuitously, you do not want a conventional enterprise to apply for a business credit card. Whether or not you stroll canines on the aspect, drive for Uber or run your individual reselling enterprise, you are eligible to apply for a enterprise card.
Moreover, chances are you’ll be questioning why no Capital One enterprise playing cards are on this checklist. That is as a result of all Capital One business cards depend towards your 5/24 standing besides those with no preset spending limits, the Capital One Venture X Business and the Capital One Spark Cash Plus.
Bear in mind to maintain business and personal expenses separate every time attainable. Enterprise playing cards wouldn’t have the identical client protections as private playing cards, and combined bills can get messy throughout tax season.
Plus, some issuers frown on utilizing your small business card for private bills and should shut your account for doing so.
Associated: Reasons to get a business credit card
Backside line
Whereas Chase playing cards provide actual long-term worth for cardholders, it diligently displays account functions. If you happen to get authorized for too many playing cards in a brief time frame, you can threat getting future functions for Chase playing cards denied.
Enterprise playing cards can turn out to be useful while you’re attempting to keep away from the pitfall of Chase’s 5/24 rule. If you happen to time your functions appropriately, you possibly can area out your private card functions whereas nonetheless incomes factors and miles by making use of for a enterprise card.
That approach, you are not locking your self out of alternatives to earn beneficial bonuses on Chase’s client playing cards.
Apply right here: Citi / AAdvantage Business World Elite Mastercard
Apply right here: Marriott Bonvoy Business American Express Card
Apply right here: Ink Business Unlimited Credit Card
Apply right here: Hilton Honors American Express Business
Apply right here: The Blue Business Plus Card from American Express
For charges and charges of the Marriott Bonvoy Enterprise, click on here.
For charges and charges of the Hilton Honors American Specific Enterprise, click on here.
For charges and charges of the American Specific Blue Enterprise Plus, click on here.
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