Pricing Information

Interest Rates and Interest Charges

Purchase Annual Percentage Rate (APR)

21.49% to 28.49%, based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate.a

My Chase LoanSM APR

21.49% to 28.49%, based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate.a

Promotional offers with fixed APRs and varying durations may be available from time to time on some accounts.

Balance Transfer APR

21.49% to 28.49%, based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate.a

Cash Advance APR

29.99%. This APR will vary with the market based on the Prime Rate.b

Default APR and When It Applies

Up to 29.99%. This APR will vary with the market based on the Prime Rate.c

We may apply the Default APR to your account if you:

  • fail to make a Minimum Payment by the date and time that it is due; or
  • make a payment to us that is returned unpaid.

How Long Will the Default APR Apply: If an APR is increased for any of these reasons, the Default APR may apply indefinitely to all outstanding balances and future transactions on your Account.

Grace Period

Your due date will be a minimum of 20 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.

Minimum Interest Charge



Annual Membership Fee


Chase Pay Over TimeSM Fee (formerly My Chase Plan® Fee; a fixed finance charge)

Monthly fee of up to 1.72% of the amount of each eligible purchase transaction or amount you select to pay over time with no interest, just a fixed monthly fee.

Promotional offers with lower monthly Chase Pay Over Time fees may be available from time to time on some accounts.

The monthly Chase Pay Over Time fee will be determined each time a fee-based plan is created and will remain the same until the plan balance is paid in full.d

Transaction Fees

Balance Transfers

Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advances

Either $15 or 5% of the amount of each transaction, whichever is greater.

Foreign Transactions


Penalty Fees

Late Payment


Return Payment


Return Check


Note: This account may not be eligible for balance transfers.

How We Will Calculate Your Balance: We use the daily balance method (including new transactions).

Prime Rate: Variable APRs are based on the 8.50% Prime Rate as of 2/6/2024.

aWe add 12.99% to 19.99% to the Prime Rate to determine the Purchase/My Chase Loan/Balance Transfer APR. Maximum APR 29.99%.

bWe add 21.74% to the Prime Rate to determine the Cash Advance APR. Maximum APR 29.99%.

cWe add up to 26.99% to the Prime Rate to determine the Default APR. Maximum APR 29.99%.

dChase Pay Over Time Fee. The Chase Pay Over Time Fee (formerly called the My Chase Plan Fee) is calculated at the time each plan is created, and is based on the amount of each purchase transaction or account balance selected to create the plan, the number of billing periods over which you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your Chase Pay Over Time Fee will be disclosed during the activation of each plan. Chase Pay Over Time plan balances that have a Chase Pay Over Time Fee will not be subject to interest after plan activation.


Authorization: When you ("you", "your" means the owner, officer, or partner of the company with the authority to bind the company to the terms & conditions of this offer and the Business Card Agreement, and who is agreeing to the terms on their own behalf and that of the company) respond to this credit card offer from JPMorgan Chase Bank, N.A., Member FDIC, a subsidiary of JPMorgan Chase & Co. ("Chase", "we", or "us"), you agree to the following:

  1. You authorize us to obtain credit bureau reports, employment, and income information about you that we will use when considering your application for credit. We may obtain and use information about your accounts with us and others such as Checking, Deposit, Investment, and Utility accounts from credit bureaus and other entities. You also authorize us to obtain credit bureau reports and any other information about you in connection with: 1) extensions of credit on your account; 2) the administration, review or collection of your account; and 3) offering you enhanced or additional products and services. If you ask, we will tell you the name and address of the credit bureau from which we obtained a report about you.

  2. If an account is opened, you will receive a Business Card Agreement with your card(s). You agree to the terms of this agreement by: using the account or any card, authorizing their use, or making any payment on the account.

  3. By providing your mobile phone number, you are giving permission to be contacted at that number about all of your accounts by JPMorgan Chase and companies working on its behalf. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing, but not for sales or telemarketing. Message and data rates may apply.

  4. Rates, fees, and terms may change: We have the right to change the account terms (including the APRs) in accordance with your Business Card Agreement.

  5. You also certify you have the authority to permit us to issue your credit card containing the Company name if completed on the form.

Individual and Company Liability: You understand that by responding to this offer you agree to be personally responsible, both individually and jointly with the Company, for payment of all balances incurred on all cards and accounts issued pursuant to this application now or whenever such additional accounts may be established in the future. You understand that if you leave the employment of the Company, you will continue to be responsible for the outstanding balances on the accounts. You must notify us immediately to close the accounts and prevent further usage.

Before we approve you for a credit card, we will review your credit report, information about the Company, including financial information, and the information you provide with your response to confirm that you and the Company meet the criteria for this offer. Based on this review, you may receive a card with different costs or you may not receive a card. If approved for an account, your credit access line will be at least $5000. We may request additional information for a credit access line above $25,000.

If an account is approved, all cardmembers will have access to 100% of the approved credit access line and any amount over the credit access line that we authorize. If you would like to set spending limits on any cardmembers, please contact our Cardmember Service Department after the account has been opened. By becoming a Mastercard BusinessCard cardmember, you agree that the card is being used only for business purposes and that the card is being issued to a public or private company including a sole proprietor or employees or contractors of an organization.

You must be at least 18 years old to qualify (19 in AL and NE).

We reserve the right to change the benefit features associated with your card at any time.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Balance Transfer Option

Replying to this offer: If you omit any information on the form, we may deny your request for an account. Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing. You must have a valid permanent home address, and the Company must be headquartered, within the 50 United States or the District of Columbia. All beneficial owners and employee cardmembers must have a residential address within the 50 United States or the District of Columbia. The information about the costs of the card described in this form is accurate as of 2/6/2024. This information may have changed after that date. To find out what may have changed, write to us at Cardmember Service, P.O. Box 15043, Wilmington, DE 19850-5043.

USA PATRIOT Act: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We require the following information or documents as a condition to your opening an account: your name, residential address, date of birth, Social Security number, driver's license or other identifying documents. Our policies may also require additional information about you or any person associated with you or with the account during application to assure that we comply with "Know Your Customer" requirements. We may decline your application if we are unable to obtain information in order to satisfy our "Know Your Customer" requirements. By opening an account with us, you confirm that neither you nor any beneficial owner of any account is covered by any sanctions programs administered or enforced by the U.S. Department of the Treasury, Office of Foreign Asset Control.

Pricing and Terms