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Compare top Chase business cards – December 2018

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

Chase offers credit cards with benefits and features that suit most businesses. You can choose from a general travel rewards card or specific hotel and 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.

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 and balance transfers
  • Employee cards at no additional cost
  • No annual fee
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Compare Chase Ink business credit cards

Updated December 11th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
17.99% to 22.99% 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®
15.24% to 21.24% variable
0% 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
15.24% to 21.24% variable
0% 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

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Best Chase credit cards

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Best business 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 and balance transfers
  • 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 and balance transfers.

However, if your business usually spends less than $25,000 per year — and you mostly spend on categories such as office supplies, gas, dining or Internet, cable and phone services — you could find the Ink Business Cash℠ Credit Card to be the better choice. It has a higher cashback rate of 5% for the first category of purchases and 2% for the second, but it’s limited to $25,000 in a calendar year, after which you earn a flat 1% back.

Best business card for airline rewards: United MileagePlus® Explorer Business Card

United MileagePlus® Explorer Business Card

50,000 bonus miles after you spend $3,000 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, slightly behind Delta Air Lines — could find the United MileagePlus® 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 business card for hotel rewards: Marriott Rewards® Premier Business credit card

Marriott Rewards® Premier Business credit card

75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.

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The Marriott Rewards® Premier Business credit card is ideal for business owners who frequently stay at Marriott and Starwood hotels and resorts.

It offers a generous signup bonus, which you can redeem for 10 nights at a Category 1 hotel. Plus you get to earn points at restaurants, car rental agencies and office supply stores, as well as on airline tickets and more.

Best 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 credit card for your business, 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 15.24% 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 MileagePlus® Explorer Business Card. In addition, you’ll earn miles on United Airlines purchases, restaurant purchases, gas and office supplies.
  • Do you often stay at Marriott and Starwood hotels? If you do, the Marriott Rewards® Premier Business credit card would be of great use. It offers a generous signup bonus, allows you to earn points and helps you unlock complimentary benefits at Marriott Rewards and SPG hotels.

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.

Compare all business credit cards

Updated December 11th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
17.99% to 22.99% 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®
15.24% to 21.24% variable
0% 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
15.24% to 21.24% variable
0% 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
17.74% to 25.74% variable
$0 annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.

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Bottom line

Small businesses that often travel can choose from a universal travel rewards card — the Ink Business Preferred℠ Credit Card — or from more specific cards, such as the Marriott Rewards® Premier Business credit card for hotel benefits and rewards and the United MileagePlus® Explorer Business Card for flight rewards.

For those who want a simple cashback card or a long intro APR period on purchases, you could find the Ink Business Unlimited℠ Credit Card to be a decent choice.

The only thing you should be wary of with all of Chase’s small business cards is the penalty APR and 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. Alternatively, you may want to consider any of the Bank of America small business cards that don’t have a penalty APR.

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

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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