Compare top Chase business cards

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Finding the right card for your business can be easier than you think.

All Chase business credit cards offer benefits and features that could suit most companies. You can choose from a general travel rewards card or specific airline cards where you’ll benefit from being a loyal customer. You also have the option of a cashback card with a long intro APR period for purchases.

Our pick for a Chase business card

Ink Business Unlimited℠ Credit Card

  • No annual fee.
  • Signup bonus: $500 cash back after you make $3,000 in purchases within the first 3 months of opening your account.
  • Unlimited 1.5% cash back on all purchases.
  • 0% intro APR on purchases for 12 months from account opening, then 15.24% to 21.24% variable.
  • No extra cost for employee cards.
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Best Chase business credit cards

Chase may not offer as wide a business credit card selection as other providers, but the cards they do offer can be ideal for some businesses.

Best Chase business credit card for cash back: Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card
See offer
  • Get this card if: You want business credit card for cashback.

Small businesses that spend $50,000 a year or more and want a flat cashback rate on all purchases could find the Ink Business Unlimited℠ Credit Card useful. You’ll get unlimited 1.5% cash back on all purchases and a good intro APR period on purchases.

Best Chase business credit card for airline rewards: United℠ Explorer Business Card

United℠ Explorer Business Card
See offer
  • Get this card if: You want business credit card for airline rewards.

Business owners who frequently fly with United Airlines — the third largest airline by fleet size in the US — could find the United℠ Explorer Business Card to be a good fit for their needs. However, this card has more going for it than simply airline size — you’ll also earn bonus miles in various categories.

In addition, you get perks such as free checked bags, priority boarding, complimentary United Club passes and more.

Best Chase business credit card for office supplies: Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card
See offer
  • Get this card if: You want business credit card for office supplies.

If your business usually spends less than $25,000 per year — and you mostly spend on categories such as office supply stores, gas stations, dining, Internet or cable and phone services — you could find the Ink Business Cash℠ Credit Card to be a good choice.

Best Chase business card for general travel rewards: Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card
See offer
  • Get this card if: You want business card for general travel rewards.

The Ink Business Preferred℠ Credit Card is made for companies that spend up to $150,000 per year and for those that want a general travel rewards card with flexible points redemption. You can redeem your points for cash back and gift cards, but the highest value comes when redeeming points for travel rewards through Chase Ultimate Rewards.

How we selected our top cards

When comparing the best Chase business credit cards, we looked at features such as rewards rate, the type of rewards you earn, signup bonus value and the existence of an intro APR period. The cards with the best combination of these perks came on top of our list.

What’s changed in 2019

No changes were made to our list as Chase’s business credit card lineup remained the same in 2019.

How to compare Chase business credit cards

To find the best Chase business credit card, ask yourself the following questions:

  • How much money do you usually spend? Businesses that spend up to $25,000 per year — mostly on categories such as office supply stores, gas stations, dining and Internet, cable and phone services — could find the Ink Business Cash℠ Credit Card to be a great choice. Businesses that spend more than $25,000 per year may find the Ink Business Unlimited℠ Credit Card to be more useful, as you’ll earn unlimited 1.5% cash back on all purchases. And for businesses that spend up to $150,000 or more per year, the Ink Business Preferred℠ Credit Card may be the best choice.
  • Does your company need to make a large initial purchase? To make use of a 0% intro APR period on purchases for the first 12 months after opening your account, consider the Ink Business Cash℠ Credit Card. You’ll be able to carry your balance for a year and avoid paying high interest. After the intro period, the APR will be between 15.24% and 21.24% variable.
  • How often do you fly? Business owners who often fly with United Airlines or Star Alliance carriers could save money on checked bags and United Club lounge access with the United℠ Explorer Business Card. In addition, you’ll earn miles on United Airlines purchases, restaurant purchases, gas and office supplies.
The only thing you should be wary of with all Chase business credit cards is the low grace period of 20 days. If you have cashflow problems and you need a longer time to pay your balance, consider The Plum Card® from American Express, where you get a grace period of up to 60 days (see rates & fees). Alternatively, you may want to consider any of the Bank of America small business cards that don’t have a penalty APR.

Compare Chase business credit cards

Updated October 16th, 2019
Name Product Rewards Purchase APR Annual fee
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.99% to 22.99% variable
$95
100,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
1.5% cash back on all purchases
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.

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Why choose a Chase business credit card?

  • Travel insurance. In case your trip is canceled or delayed, you can get reimbursed up to $5,000 for prepaid nonrefundable expenses.
  • Car rental insurance. Your rental car is insured against collision damage or theft.
  • Purchase protection. For new purchases made within 120 days, you’re covered against theft and damage up to $10,000 per claim and $50,000 per account.
  • Cell phone protection. If your phone is damaged or stolen, you’re covered up to $600 per claim.
  • Roadside assistance. For roadside emergencies, call 800-847-2869 to get assistance for towing, tire changes, jump starts or gas delivery.

Know that not all of these features are available to every Chase small business credit card.

Does Chase report its business credit cards to any of the credit bureaus?

No, Chase doesn’t report your business credit card to any of the personal credit bureaus.

Compare all business credit cards

Updated October 16th, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.99% to 22.99% variable
$95
100,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
29.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
2x miles on Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe. Rates & fees

Compare up to 4 providers

Bottom line

Small businesses that often travel might want to consider a general travel rewards, such as the Ink Business Preferred℠ Credit Card or the United℠ Explorer Business Card for flight rewards.

If you want a simple cashback card, you could find the Ink Business Unlimited℠ Credit Card or the Ink Business Cash℠ Credit Card to be decent choices.

As always, compare your credit card options to find the one that best suits your business’s needs.

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