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Our pick for a Chase business card: Ink Business Preferred® Credit Card
100,000-point
Signup bonus after spending $15,000 in first 3 months
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Take a look at the table below for a quick look at how each Chase business card stacks up, including a look at their reward rates, purchase APR and annual fees.
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.
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. You’ll also enjoy a $500 signup bonus after you spend $3,000 within your first 3 months of account opening.
Chase will also provide additional employee cards at no additional cost, which can help your business maximize your ongoing cash back. If you’re looking for a rewards card for travel however, you might want to check out other Chase options: this card comes with 3% foreign transaction fees.
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 earn 2x bonus miles on United Airlines, gas, commuting and local transit, restaurant and office supply purchases, and 1x points on everything else. This card also comes with a sizable 60,000 signup bonus after you spend $3,000 on purchases within your first 3 months, and an additional 50,000 after you spend $25,000 total in your first 6 months, and 5,000 bonus miles if you have this card AND a personal United credit card.
In addition, you get a variety of perks such as free checked bags, priority boarding, complimentary United Club passes and more. And despite all of these perks, you’ll an annual fee of just $95, which is quite low given the rewards and benefits. If you were hoping to make a balance transfer on this card though, you’ll want to take care: you can only make a transfer of the lesser between $15,000 and your credit limit.
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. This card earns back more than the United Explorer in several business categories, albeit only up to a point. You’ll earn 5% back on office supplies, Internet, cable and phone services on up to 25,000 annually. You’ll also earn 2% back at gas stations and restaurants, also up to 25,000 annually, and 1% back on everything else. After you meet these caps, you’ll earn 1% back until your next card anniversary. This card also comes with a signup bonus of $500 after you spend $3,000 in your first 3 months.
This trade off of an earning cap for higher rates means this card is especially suited for smaller, growing businesses, but quickly loses its value once your business goes past that spending cap. But given the variety of redemption options and lack of annual fee, this card can be a perfect springboard into bigger cards as your business grows.
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 options. Like the Ink Business Cash℠ Credit Card, Ink Business Preferred® Credit Card has a cap on the earning rate, though since this card is designed for larger businesses, the cap is much higher. You’ll earn 3x points on travel, Internet, cable, shipping purchases and phone services on up to 150,000 each year. After that and on everything else, you’ll earn 1x points. This card also comes with a hefty signup bonus befitting of a larger business, earning you 100,000 points after you spend $15,000 within your first 3 months of account opening. This is worth $1,250 when redeemed through the Chase travel portal.
A key feature of the card is the ability to transfer points earned to travel partners. These points transfer at a 1:1 ratio and can double or triple the value of your Chase points depending on where you transfer them and how you use them. Combine this with some solid travel protections, free employee cards and a relatively low annual fee of $95 and you have a strong travel tool for larger businesses.
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.
No changes were made to our list as Chase’s business credit card lineup remained the same in 2019.
Yes and no. If you’ve opened five or more card accounts in the last 24 months, Chase will look at that and deny your application for a Chase business card.
However, if you’ve opened just four credit cards and open a Chase business card, that new business card won’t count toward your five card limit. This is because Chase business cards don’t show up on the personal report that Chase checks for when enforcing the Chase 5/24 rule.
| Ink Business Preferred® Credit Card | Ink Business Unlimited℠ Credit Card | Ink Business Cash℠ Credit Card | Southwest Rapid Rewards® Premier Business Credit Card | United℠ Business Card | |
|---|---|---|---|---|---|
| Signup Bonus | 100,000 | $500 | $500 | 60,000 | 60,000 |
| Point transfers | Yes | No | No | No | No |
| Employee cards | Free | Free | Free | Free | Free |
| Foreign Transaction Fees | 0% | 3% | 3% | 0% | 0% |
| Trip Cancellation/Interruption | $5,000 per trip | N/A | N/A | N/A | $1,500 per person and $6,000 per trip |
| Roadside Dispatch | Yes | Yes | Yes | N/A | N/A |
| Auto Collision Waiver | Primary when renting | Primary when renting | Primary when renting | N/A | Primary when renting |
| Cell phone protection | Up to $600 per claim | N/A | N/A | N/A | N/A |
| Travel accident insurance | Up to $500,000 | Up to $500,000 | Up to $500,000 | Up to $500,000 | Up to $500,000 |
| Extended warranty | One additional year | One additional year | One additional year | One additional year | One additional year |
To find the best Chase business credit card, ask yourself the following questions:
Yes, you can combine Chase business credit cards and transfer points between cards. You can also transfer points between personal and business cards within the Chase Ultimate Rewards program.
Combining Chase credit cards lets you earn even more points and redeem points with maximum value. This combination of cards is known as the Chase trifecta.
Chase business credit cards still come with a variety of travel coverage perks. Such perks are becoming more difficult to come by as issuers look to cut costs by trimming back on underused features.
Know that not all of these features are available to every Chase small business credit card.
Many banks offer business credit cards, but American Express and Capital One tend to give Chase a run for its money.
| The Blue Business® Plus Credit Card from American Express | American Express® Business Gold Card | The Business Platinum Card® from American Express | Brex for Startups | |
|---|---|---|---|---|
| Rewards | 2x points on the first $50,000 on all purchases each year, 1x points after reaching the cap |
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| Make Brex for Startups your exclusive business card and earn:
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| Welcome offer | Earn up to $300 in statement credit ($100 each) at Dell Technologies, DocuSign or FedEx after you make a purchase in the first 3 months when you open your account | Earn 35,000 points after you spend $5,000 in your first 3 months | Earn 75,000 points after you spend $15,000 in your first 3 months | Up to $50,000 in value for partner services, such as:
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| Other perks |
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| Annual fee | $0 for main cardholder and employee cards | $295 | $595 | $0 for the first five cards, $5 annually for every additional card |
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.
Your business credit card options are plentiful, so make sure to review your needs carefully to find the one that best suits your business.
