Top Notch Credit Cards Evading Chase's 5/24 Rule [Year 2025]
Top Business Credit Cards to Consider for Your Business Needs
In the world of business finance, having the right credit card can significantly boost your earnings and provide valuable perks. Here are some top business credit cards that cater to various business needs, all of which do not affect your 5/24 status with Chase.
American Express Business Cards
- The Business Platinum Card® from American Express: This premium card offers a host of travel benefits, including airport lounge access, travel insurance, and a welcome bonus of up to 150,000 points.
- The Business Gold Card from American Express: This card provides flexible spending limits and rewards tailored to specific business expenses.
Barclays Business Cards
The Barclays Arrival Plus Business Card is ideal for flexible travel rewards.
Chase Business Cards
Chase offers a range of business credit cards, including:
- Ink Business Cash Credit Card: This card offers cash back rewards on business expenses, with bonus categories for specific types of purchases.
- Ink Business Preferred Credit Card: This card provides travel rewards and insurance benefits, along with a welcome bonus.
Citi Business Cards
Citi offers the Citi Double Cash Card (Business), which provides cash back on all purchases.
However, business cards from Capital One, Discover, and TD Bank may impact your 5/24 status, so be cautious when applying for these cards.
Key Considerations
When applying for business credit cards, it's crucial to consider the following factors:
- Application Strategy: Ensure you meet the credit requirements and avoid applying for multiple cards in a short period due to the 1/30 rule for Chase business cards.
- Benefits and Rewards: Choose cards that align with your business needs and provide the desired rewards or benefits.
- Currently, all of Chase's credit cards are subject to the 5/24 rule.
Some other notable business credit cards include:
- The Southwest Rapid Rewards Performance Business Credit Card: This card offers up to 4x points on various categories, including Southwest purchases, gas stations, restaurants, and more.
- The World of Hyatt Business Credit Card: Ideal for business travelers, this card offers a welcome bonus of 60,000 points and up to 9 points per $1 spent at Hyatt.
- The New UnitedSM Business Card: This card offers 5 total miles on hotel stays purchased through United Hotels.
- The Blue Business Plus Credit Card from American Express: This card offers 2x Membership Rewards points on the first $50,000 in purchases per year.
- The Amex Blue Business Cash card: This card offers 2% cash-back on up to $50,000 in purchases each year.
To figure out your 5/24 status, count the number of credit cards that were opened within the prior 24 months. With these top business credit cards, you can optimise your business spending and reap the rewards.
- In the realm of business finance and travel, the Amex Business Platinum Card offers travel benefits like airport lounge access and travel insurance, making it an excellent choice for businesses.
- For businesses seeking flexible travel rewards, the Barclays Arrival Plus Business Card is worth considering due to its rewards system.
- In the news of business finance, it's vital to note that some cards, such as those from Capital One, Discover, and TD Bank, may impact your 5/24 status, so be cautious when applying for these cards.