Compare top Chase business cards | finder.com

Compare top Chase business cards

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Finding the right card for your business doesn’t have to be hard.

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.

Best Chase business credit cards

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

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

Ink Business Unlimited℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No annual fee
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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

75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

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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. Airline size isn’t the only thing this card has going in its favor, though — you’ll 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

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No annual fee
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If your business usually spends less than $25,000 per year — and you mostly spend on categories such as office supplies, gas, 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

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • 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 - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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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 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 supplies, gas, 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 15.49% and 21.49% 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 June 16th, 2019
Name Product Rewards Purchase APR Annual Fee
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 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% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
1.5% cash back on all purchases
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
Earn 2x miles at restaurants, gas stations and office supply stores, 2x miles on tickets purchased from United and 1x miles on all other purchases.
18.24% to 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 2x points on Southwest Airlines® purchases and 1x points on all other purchases.
18.24% to 25.24% variable
$99
Earn 2x points on Southwest® purchases and 1x points on all other purchases. Plus 6,000 anniversary bonus points.

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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. You’re insured against collision damage or theft of your rental car.
  • 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 1-800-847-2869 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.

Consider a business card from another brand

SimplyCash® Plus Business Credit Card from American Express

  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
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See Rates & Fees
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Compare all business credit cards

Updated June 16th, 2019
Name Product Rewards Purchase APR Annual Fee
N/A
0% for the first 20 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
0% for the first 15 months (then 14.49% to 21.49% variable)
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
0% for the first 6 months (then 17.99% to 26.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn 70,000 bonus miles after you make $4,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees

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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 Chase Ink Cash 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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