If you're a business owner, there are numerous benefits to having a business credit card. A dedicated business credit card separates your personal and business expenses, and can also earn rewards on money you're already spending.
This guide can help you choose the best Chase business credit card for your business. We'll give you the details of each of the best Chase business cards to help you make an informed decision. With multiple cards to choose from, there's sure to be one that fits your spending habits and travel goals.
Best Chase Business Credit Cards
Here are Business Insider's picks for the top Chase business credit cards:
- Best benefits overall including cellphone protection: Ink Business Preferred® Credit Card
- Best for bonus categories and no annual fee: Ink Business Cash® Credit Card
- Best for unlimited cash back and no annual fee: Ink Business Unlimited® Credit Card
- Best for Hyatt loyalists: World of Hyatt Business Credit Card
- Best for IHG loyalists: IHG One Rewards Premier Business Credit Card
- Best for Southwest frequent flyers: Southwest® Rapid Rewards® Performance Business Credit Card
Chase Business Credit Card Reviews
Chase offers many of the most lucrative business credit cards on the market today — so many, in fact, that picking the right one can be overwhelming.
Chase Ultimate Rewards® points are worth 1.8 cents apiece on average for their flexibility and travel value. Here's how we recommend cardholders earn, redeem, and maximize Chase Ultimate Rewards points for top value.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is one of the best business cards on the market, especially for small business owners interested in earning and using Chase Ultimate Rewards points.
The Ink Business Preferred® Credit Card offers the most valuable welcome offers out of all the cards on this list. New cardmembers can earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening. This bonus is worth at least $1,620, based on Business Insider's valuations, if you transfer your points to one of Chase's airline or hotel partners.
The card also comes with generous supplemental benefits that can save you a lot of money. The included credit card travel insurance benefit can help you recoup lost expenses when trips go awry. Meanwhile, cellphone protection and Chase purchase protection offer peace of mind for your smartphone, TV monitors, computers, and other valuable business assets.
Along with the big welcome offer, Ink Business Preferred® Credit Card cardholders 3 points per dollar on shipping purchases; advertising purchases on social media sites and search engines; Internet, cable, and phone services; and travel expenses including airfare, hotels, rental cars, and more. They earn 1 point per dollar on all other purchases.
Rewards on 3x categories are capped at $150,000 in combined spending each year (450,000 Chase Ultimate Rewards points), after which you'll earn 1 point per dollar.
The Ink Business Preferred® Credit Card carries an annual fee of $95 — low for the generous benefits you get with this card.
However, the Ink Business Preferred® Credit Card does not offer an introductory 0% APR interest period. If you want to pay off a large expense over time without incurring interest, consider one of the two other Ink cards we recommend below.
If you want to learn more about this card, read our full Chase Ink Business Preferred card review for more details.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card tops our list of the best 5% cash back credit cards for small business purchases. This card earns 5% cash back on some purchase categories and comes with a generous welcome bonus, all without an annual fee. You can supercharge your rewards if your company spends a lot at office supply stores, gas stations, and restaurants, or on cable, Internet, and phone services.
While the Ink Business Cash® Credit Card is a cash-back credit card, rewards come in the form of Chase Ultimate Rewards points, which can be redeemed like cash at a 1:1 ratio of one point per cent.
Ink Business Cash® Credit Card cardholders earn rewards at the following rates:
- 5% cash back (5 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on Internet, cable, and phone services each account anniversary year
- 2% cash back (2 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back (1 point per dollar) on all other purchases with no cap
New Ink Business Cash® Credit Card cardholders earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening, worth $750 by Business Insider valuations. You can also take advantage of this card's introductory offer of 0% intro APR on purchases for the first 12 months (then 17.49% - 25.49% Variable APR). This no-interest period can be especially useful for entrepreneurs with large expenses looming ahead.
The Ink Business Cash® Credit Card comes with a foreign transaction fee, so leave this card at home on your next international business trip.
Check out our comprehensive Chase Ink Business Cash credit card review for a more in-depth look at this great card.
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card is an excellent choice for small business owners seeking a card with a straightforward earning structure and no annual fee — and it comes with a solid welcome bonus.
The Ink Business Unlimited® Credit Card is nearly identical to the last card we reviewed, with one major difference: With the Ink Unlimited, you'll earn 1.5% cash back on all purchases, simple as that.
New cardholders earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening — an incredible deal for a no-annual-fee card. New cardholders also benefit from a 0% intro APR on purchases for the first 12 months (then 17.49% - 23.49% Variable APR). However, the Ink Business Unlimited® Credit Card charges a foreign transaction fee, so this is not a card to take abroad.
Check out our Ink Business Unlimited credit card review for a deeper dive into the card.
The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card both earn cash back in the form of Chase Ultimate Rewards points, which can be worth far more than the standard value of 1 cent apiece.
You can combine Chase Ultimate Rewards points earned from either card to one of Chase's higher-end travel rewards cards, such as the Ink Business Preferred® Credit Card or the personal Chase Sapphire Preferred® Card. From there, you can use your points to purchase travel within the Chase Travel℠ Portal, or transfer points to Chase's airline and hotel partners for additional value.
World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card credit card is a solid choice for Hyatt hotel enthusiasts, especially if you can maximize the card's benefits. Cardholders earn World of Hyatt points at the following rate:
- 4x points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 points from Hyatt per eligible $1 spent just for being a World of Hyatt member
- 2x points per $1 spent in your top three spend categories each quarter
- 2x points per $1 spent on fitness club and gym memberships
- 1 point per $1 spent on all other purchases.
The World of Hyatt Business Credit Card also comes with generous benefits for its price point, including:
- Up to $100 in Hyatt statement credits each year
- Complimentary Discoverist elite status
- 5 tier-qualifying night credits for every $10,000 spent in a calendar year
The current welcome bonus for this card is 60,000 bonus points after spending $5,000 on purchases in the first three months of account opening, plus 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases within the first six months of account opening. Those points are worth at least two free nights at a top-tier Hyatt hotel, or even more free nights at lower-tier properties.
For a full rundown of the card, read our World of Hyatt Business credit card review.
IHG One Rewards Premier Business Credit Card
If you regularly stay at IHG hotels, you should give serious thought to the IHG One Rewards Premier Business Credit Card. This card offers a substantial welcome bonus, and cardholders can earn up to 26x points on purchases at IHG Hotels and Resorts. That's a lot of value from a card with a low annual fee, making it a great choice for any IHG loyalist.
IHG One Rewards Premier Business Credit Card cardholders earn IHG points at the following rates:
- 10x points at IHG Hotels and Resorts
- 5x points on travel and at gas stations, dining, social media and search engine advertising, and at office supply stores
- 3x points for all other eligible purchases
The card also comes with other benefits that enhance its value, including one complimentary anniversary night each year; your 4th night free on reward stays (when redeeming three nights); an additional free night award worth up to 40,000 points; and platinum elite status with IHG.
IHG points aren't as valuable as those from competitor brands, even though the earning rate on the IHG One Rewards Premier Business Credit Card can sound impressive. The current IHG One Rewards points value hovers at an average of just 0.65 cents per point.
The card's current welcome bonus is 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening, making it one of the best hotel credit card offers available right now. This IHG One Rewards Premier Business Credit Card has an annual fee of $99.
If you want to learn more, read our IHG Premier Business credit card review.
Southwest® Rapid Rewards® Performance Business Credit Card
If you're a serious Southwest traveler in the market for a business card, take a good look at the Southwest® Rapid Rewards® Performance Business Credit Card.
This card packs a big punch, with premium benefits to offset the higher annual fee. Best of all, every point earned from spending on the Southwest® Rapid Rewards® Performance Business Credit Card counts toward the coveted Southwest Companion Pass.
Cardholders earn Rapid Rewards points at the following rate:
- 4x points on Southwest purchases including flights, in-flight purchases, gift cards, and Southwest Vacations
- 3x points on Rapid Rewards hotel and car partners
- 2x points on local transit and commuting, including rideshares, passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages
- 2x points on social media and search engine advertising, internet, cable, and phone services
- 1x point per dollar everywhere else
The Southwest® Rapid Rewards® Performance Business Credit Card offers a generous range of benefits, including:
- 4 complimentary passes for Upgraded Boarding every year
- Global Entry, TSA PreCheck® or NEXUS fee credit
- 10,000 Companion Pass qualifying points every year
- 1,500 Tier Qualifying Points for every $5,000 of spend
- 9,000 Rapid Rewards points each year on your card anniversary
- 365 credits toward in-flight Wi-Fi access
The Wi-Fi benefit is particularly valuable for entrepreneurs who work while traveling, since Southwest charges $8 per flight per device for onboard Internet access.
The Southwest® Rapid Rewards® Performance Business Credit Card may not be a great fit for infrequent Southwest travelers. If you want to earn Southwest points through your business but don't anticipate flying with this airline very often, the Southwest® Rapid Rewards® Premier Business Credit Card may be a better card to consider.
The Southwest® Rapid Rewards® Performance Business Credit Card offers new cardholders 80,000 points after you spend $5,000 on purchases in the first three months from account opening. Business Insider values Southwest points at about 1.4 cents each, making this welcome bonus a generous opportunity to jumpstart or enhance your stash of Rapid Rewards points.
The card has an annual fee of $199.
If this card intrigues you, read more in our Southwest Performance Business card review.
Compare the Top Chase Business Credit Cards
$95
N/A
20.24% - 26.24% Variable
Earn 90,000 bonus points
Good to Excellent
- High sign-up bonus
- Offers 3 bonus points on several spending categories, including travel and advertising purchases
- Includes comprehensive travel coverage
- Welcome bonus has a very high minimum spending requirement
The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.
Ink Business Preferred Card- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
$0
0% intro APR on purchases for the first 12 months
17.49% - 25.49% Variable
Earn up to $750 bonus cash back
Good to Excellent
- Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
- Intro APR offer for purchases
- No annual fee
- You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
- Annual cap on bonus categories
Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.
Ink Business Cash- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
$0
0% intro APR on purchases for the first 12 months
17.49% - 23.49% Variable
Earn $750 bonus cash back
Good to Excellent
- Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
- Intro APR offer
- No annual fee
- You can earn more cash back on some purchases with a card that has bonus categories
The Ink Business Unlimited® Credit Card is a great option for small business owners who prefer a straightforward earning rate and no annual fee. You'll earn 1.5% cash back on every purchase, and there's no limit to what you can earn.
Ink Business Unlimited- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
$199
N/A
19.99% - 28.49% Variable
Earn 60,000 bonus points and 1 free night
Good to Excellent
- Excellent welcome bonus, earning, and benefits
- Automatic elite status for yourself and up to five company employees
- Up to $100 in Hyatt credits each year and a 10% points rebate on redemptions when you meet spending requirements
- High annual fee
- Card doesn’t offer an annual free night like similar hotel cards do
- Points rebate requires $50,000 in spending in a calendar year
Small-business owners who stay with Hyatt frequently could get great value from this card, especially if they take advantage of perks like automatic elite status for the primary cardholder and up to five employees. However, it's got a higher annual fee than most hotel cards, so be sure your spending and travel habits line up with the card's benefits before you apply.
World of Hyatt Business Card- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Plus, 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases within the first 6 months of account opening
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits — spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
$99
N/A
19.99% - 28.49% Variable
Earn 140,000 bonus points
Good to Excellent
- Up to 2 free night certificates each year
- Ability to achieve top-tier elite status through spending
- $99 annual fee
With valuable benefits for small-business owners who stay at IHG hotels, this card can be well worth the annual fee for frequent travelers. It's got the most benefits of any IHG card, and the anniversary free night alone can be worth hundreds of dollars.
IHG One Rewards Premier Business Credit Card- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
$199
N/A
20.49% - 27.49% Variable
Earn 80,000 bonus points
Good to Excellent
- 4 bonus points per dollar on Southwest purchases
- Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary
- $199 annual fee is on the high side
The Southwest® Rapid Rewards® Performance Business Credit Card is a great fit for small business owners who frequently fly Southwest, especially if you often purchase inflight WiFi.
Southwest® Rapid Rewards® Performance Business Credit Card- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Why Choose a Chase Business Credit Card?
Chase business credit cards offer fantastic value for the right small business owners. Many come with great business-specific benefits such as free employee cards, purchase protection, and extended warranty coverage on technology expenses such as laptops, TVs, and computer monitors.
You can also earn generous welcome bonuses worth thousands of dollars when signing up for new cards through Chase. Best of all, certain Chase cards earn Chase Ultimate Rewards, which are some of the most valuable rewards in the ecosystem thanks to flexible points that can be used for maximum value through Chase transfer partners.
How to Choose the Best Chase Business Credit Card for Your Business
When considering a Chase business credit card, consider your company's spending habits and travel needs to determine which option best aligns with your financial structure. If you exclusively fly Southwest for business and personal travel, the Southwest cards are a good choice. But if you ever utilize other airlines, a Chase Ink business card may be a better fit.
Analyze your typical monthly business spending as well as your personal and business travel or commute to find the best ways to maximize potential rewards or minimize risk and loss.
Your tolerance for an annual fee can also help you determine which card is best for your business.
Qualifying for a Chase Business Credit Card
Opening a business credit card is a wise decision, and qualifying for a business card is easier than you might think.
You don't need to run a multimillion-dollar operation or even have an LLC to be eligible for a small business credit card. Sole proprietors or those with side gigs like blogging, babysitting, freelancing, and Uber driving can qualify you for such cards. And you can apply with just your Social Security Number (SSN); an Employer Identification Number (EIN) isn't mandatory.
When applying for a business credit card on this list, be aware of the Chase "5/24 rule," which states that you won't be approved for a Chase credit card if you've opened five or more credit cards from any bank (excluding most business credit cards) in the past 24 months.
All Chase business cards are subject to the 5/24 rule, but do not contribute toward the 5/24 count.
How to Pick a Chase Small Business Credit Card
Picking the right Chase small business credit card for you is about finding the one that aligns most with your spending habits and financial and travel goals.
It's wise to evaluate your business spending patterns and consider your biggest expenses. If you spend a lot at office supply stores, the Ink Business Cash® Credit Card is likely your best bet. Are you trying to earn the Southwest Companion Pass? The Southwest® Rapid Rewards® Performance Business Credit Card will help you get there.
Don't forget to consider your personal needs when evaluating foreign transaction fees, introductory APRs, and other benefits or downsides.
How to Apply for a Chase Business Credit Card
Applying for a Chase business credit card is straightforward. You'll be asked to provide personal information like your name, SSN, date of birth, and address, along with business information like your business name and revenue and your EIN (if applicable).
It's important to note that you'll always be personally liable for any charges made on your Chase business credit card. Either way, Chase will evaluate your personal credit when you apply.
Best Chase Business Credit Card Frequently Asked Questions
- Q: Can I transfer Chase Ultimate Rewards® points to other programs? (A: Yes, the Ink Business Preferred allows you to transfer points to airline and hotel partners for potentially more value.)
- Q: Do Chase Ink Business Cards offer employee cards? (A: Yes, you can get employee cards at no additional cost for better expense management.)
The best Chase business credit card for travel rewards will align with your business expenses and travel goals. When deciding which card is right for you, consider how much you plan to spend each year, which perks best benefit your business, and how you plan to travel.
Many Chase business credit cards evaluate your personal credit scores along with your business financials. You'll typically need good to excellent credit for card approval, typically with a FICO score of at least 670. You can secure preapproval on certain business credit cards before applying to avoid risking an unnecessary credit pull.
Yes, you can use your business card for travel. Certain Chase business credit cards are particularly valuable if you also have consumer credit cards through Chase because you can transfer business rewards to your primary account for personal use.
Yes, Chase will pull your personal credit when you apply for a Chase business card. You'll be personally liable for any and all charges made to the card, including from authorized users linked to the business account.
Why You Should Trust Us: How We Chose the Best Chase Business Credit Cards
We developed this list of the best Chase business cards by selecting cards with a substantial welcome bonus, great earnings rates, and ongoing perks and benefits. When creating this list, we evaluated the pros and cons of each card within these categories to determine which ones provide the best benefits to fit your financial and travel goals.
Check out our best Chase credit cards to read more about Chase's personal credit cards and many other cards on the market.
Learn more here about how we rate credit cards at Business Insider.
