I'm at 4/24. Which business card won't use up my last Chase slot?
As of 2026-10-06: choose a business card that doesn't show up on your personal credit report, so you stay at 4/24 (four personal cards opened in 24 months) for your next Chase personal card. Chase Ink cards and U.S. Bank Business Triple Cash are the usual choices; Capital One Spark Cash Select is not, because Capital One reports it personally. Being under 5/24 is one reported screen, not an approval, and some sole proprietors report a stricter Chase limit. In this example the options are Ink Business Cash ($750), Ink Business Unlimited ($750) and Business Triple Cash Rewards ($750) in bonus value after the first-year fee. Terms apply; each issuer decides approval and bonus eligibility.
Use my own cards →No account, email or credit pull. A saved plan keeps its own answers. Enter your own history and budget.
3 options to compare now
Choose at most one next card. These are alternatives, not three applications. Bonus value after the first-year fee excludes credits, ordinary spending rewards, interest, taxes and payment-processing costs. Each issuer decides approval and welcome-bonus eligibility; the example history must match yours.
Offer list checked ; issuer rules checked . Terms apply.
Ink Business Cash
Chase · Likely option under the assumed history
Bonus after first-year fee
$750
$750 cash − $0 first-year fee = $750
Spend $6,000 within 3 months.
An issuer listed in your history · cash bonus at face value.
Eligibility caveat: Recent applicants report a possible stricter 3/24 screen for sole-proprietor Chase business applications. Reports conflict, and Chase has not published the rule.
Eligibility caveat: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Eligibility caveat: You are close to the reported 5/24 threshold. Applying for an eligible Chase business card first may preserve options because it usually does not add a personal account to that count.
Eligibility caveat: Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Extra check: sole-proprietor screening reports conflict. This option depends on Chase’s current screening and your individual offer; a universal stricter cutoff is unconfirmed.
Offer checked 2026-10-06 · First-year fee $0; renewal fee $0 · Terms apply. Confirm current terms with the issuer before applying.
Ink Business Unlimited
Chase · Likely option under the assumed history
Bonus after first-year fee
$750
$750 cash − $0 first-year fee = $750
Spend $6,000 within 3 months.
An issuer listed in your history · cash bonus at face value.
Eligibility caveat: Recent applicants report a possible stricter 3/24 screen for sole-proprietor Chase business applications. Reports conflict, and Chase has not published the rule.
Eligibility caveat: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Eligibility caveat: You are close to the reported 5/24 threshold. Applying for an eligible Chase business card first may preserve options because it usually does not add a personal account to that count.
Eligibility caveat: Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Extra check: sole-proprietor screening reports conflict. This option depends on Chase’s current screening and your individual offer; a universal stricter cutoff is unconfirmed.
Offer checked 2026-10-06 · First-year fee $0; renewal fee $0 · Terms apply. Confirm current terms with the issuer before applying.
Business Triple Cash Rewards
US Bank · Likely option under the assumed history
Bonus after first-year fee
$750
$750 cash − $0 first-year fee = $750
Spend $6,000 within 180 days.
No listed cards from this issuer · cash bonus at face value.
Eligibility caveat: The bonus requires $6,000 on the account owner's card within 180 days. Employee-card purchases do not count.
Eligibility caveat: Recent inquiries on the credit report this issuer checks may affect approval. The exact limit is not published.
Offer checked 2026-10-06 · First-year fee $0; renewal fee $0 · Terms apply. Confirm current terms with the issuer before applying.
Cards to skip and why
Spark Cash Select for Business
Skip under these assumptions
Outside the preferences in this example.
This card adds a personal account to the reported Chase count.
Rules checked 2026-10-06 · Observed underwriting patterns describe likely outcomes; published product terms govern the offer. Terms apply.
Sapphire Preferred
Skip under these assumptions
Your preference is business cards.
This card adds a personal account to the reported Chase count.
Rules checked 2026-10-06 · Observed underwriting patterns describe likely outcomes; published product terms govern the offer. Terms apply.
Ink Business Preferred
Skip under these assumptions
Stretch: $8,000 exceeds your $6,000 spending capacity in this window.
Rules checked 2026-10-06 · Observed underwriting patterns describe likely outcomes; published product terms govern the offer. Terms apply.
What AI answers often get wrong here
Research snapshot: . These are documented source traps or inferences from the research; current AI-error frequency is unverified.
Business does not automatically mean no personal reporting. Capital One explicitly distinguishes products that report personally. Reports of a different Chase sole-proprietor threshold conflict; the research did not verify a universal cutoff.
Questions about this situation
Does 4/24 mean Chase will approve my business application?
No. The reported count is only one screen. Sole-proprietor reports conflict, and Chase considers other underwriting and bonus-history factors. Confirm current business screening and your exact offer with Chase before applying.
Why exclude Spark Cash Select?
Capital One says Spark Cash Select reports to personal credit bureaus. That conflicts with this profile’s preference to preserve its remaining personal-account slot.
What happens when I use my own cards?
With no saved plan, the planner starts with this scenario’s goal, skipped banks and personal-card preference. Enter your own cards, dates and spending. An existing saved plan or shared plan keeps its own answers. You can save your plan and add calendar reminders without giving an email address.