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Compare top Chase business cards
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.
Compare Chase business credit cards
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.
What's in this guide?
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.
Quick look to Chase business credit cards
- Ink Business Unlimited℠ Credit Card: Best Chase business credit card for cashback rewards
- United℠ Explorer Business Card: Best Chase business credit card for airline rewards
- Ink Business Cash℠ Credit Card: Best Chase business credit card for office supplies
- Ink Business Preferred® Credit Card: Best Chase business credit card for general travel rewards
Best Chase business credit card for cash back: Ink Business Unlimited℠ Credit Card
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.
Best Chase business credit card for airline rewards: United℠ Explorer Business Card
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.
Best Chase business credit card for office supplies: Ink Business Cash℠ Credit Card
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.
Best Chase business card for general travel rewards: Ink Business Preferred® Credit Card
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.
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 2020
No changes were made to our list as Chase’s business credit card lineup remained the same in 2019.
Does the Chase 5/24 rule apply to business cards?
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.
Chase business card features at a glance
| 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 |
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 13.24% and 19.24% 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.
Can you combine Chase business cards for more rewards?
Yes, you can transfer Ultimate Rewards points earned on one Chase business card to another. In fact, you can even transfer points from your personal credit card to your business credit card and vice versa. Just remember that only one Chase business card is able to transfer points to travel partners: the Ink Business Preferred.
Why choose a Chase business credit card?
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.
- 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.
Which other providers should I compare for business credit cards?
Many banks offer business credit cards, but American Express and Capital One tend to give Chase a run for its money.
- Consider Capital One if you want flat-rate cash back.
Capital One business cards come in a handful of flavors, but your reward options come down to points or miles. You’ll find no-annual-fee options that offer 1.5% rewards rates in cash back or miles, like the Capital One® Spark® Cash Select for Business. And if you’re willing to pay a $95 annual fee starting the second year, you can earn a 2% rewards rate in cash back or miles with the Capital One® Spark® Cash for Business.
- Consider Amex for bonus rewards in select business categories.
Amex is an excellent choice for cobranded hotel and airline business credit cards.Amex business cards generally offer tiered rewards, which can be helpful if your business spending aligns with certain bonus categories. For example, the American Express® Business Gold Card offers 4x points in categories like US gas stations, US shipping and select US advertising on the first $150,000 in combined purchases in two bonus categories each calendar year (then 1x points).
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.
Your business credit card options are plentiful, so make sure to review your needs carefully to find the one that best suits your business.
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