OK, I am gonna go for it...yes it has taken me weeks to get up the nerve even with all your encouragement...lololol.
My first business card...I want those 80k points!! I kind of also want to try for the SPG biz before it possibly disappears since those points are supposed to be so great. I have a long relationship with chase. As far as amex I used to have their Costco card but it is now Citi and I haven't tried for another amex since then. Is it better to have a personal card before trying to get a business card? Which of these 2 should I try for first? I can probably meet the min spend on both at the same time, if that helps.
One more thought...I don't work, so when I app for personal cards I put DH's income. Does that work for biz cards too or do they not even ask for personal income, just biz income?
GO FOR IT! Everything you've posted makes me think it's a sure bet you'll get it.
Just be sure you're under 5/24 and you haven't had any other credit card applications with Chase in the past 30 days.
When you apply for a Chase business credit card, it'll ask you for business revenue and personal/household income. Revenue is the gross amount you brought in from your business, not profit or loss. For business revenue,
@speedyfishy put down $5 and was approved for the CIP; my wife put down $1,500 of eBay sales from the prior year ($0 YTD at the time) and was approved. For household income, you can include your husband's income.
MMS posted a good article about how to complete a Chase business credit card application the other day; it's a sign!
https://millionmilesecrets.com/2018...o-complete-a-chase-business-card-application/
Don't worry if your application is not automatically approved and goes pending with a we'll let you know in 30 days message. More often than not, CIP applications go pending. Do not call in even if you get a message to call in, unless you're prepared to speak to someone about your business. Just call into the automated status line: 1-800-432-3117, follow the prompts to hear the status of your application, and check in periodically (or maniacally several times a day -- we've been there). 30 days is a good sign, 2 weeks is a good sign, approved is a VERY GOOD sign. Most people here have been approved after a few days.
GOOD LUCK!
P.S. and don't forget to use a referral. And don't forget to eventually refer your husband for a 20k UR bonus to you and another 80k UR for him.
As for Amex business cards, all reports say they're easier to get approved for than Chase cards. You don't need a personal card with Amex before going for their business card, and Amex personal cards will add to your 5/24 count so best to avoid Amex personal credit and charge cards until you're done with Chase.
The Amex SPG Biz card is currently offering a 25k SPG points signup bonus after a $5k spend in 3 months, which is down from the high of 35k SPG points. However, the last 35k SPG points offer on the SPG Biz (October 2017) carried a $10k minimum spend, so arguably the current offer is easier to meet. I believe several our members have referrals up for the SPG Biz at the current best offer. Since Amex signup bonuses are generally once per lifetime, you'd usually want to wait for the highest offer available for that card but there's no telling if and when the SPG Biz card will end, or if a higher offer will come around again, so you might want to apply soon, and hopefully be able to take advantage of whatever new Marriott cards Chase and Amex come out with possibly this year.
But apply for the CIP first!
I also like earning free airfare. In terms of a 7.99 Hulu payment and 10.99 Netflix payment, the 15% I could potentially get from Google Play is not much saved and not much earned through UR. I would rather have auto pay on my one of my CC and earn a few points.
