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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 14.74% to 20.74% variable.
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.
Signup bonus. Get $500 back after you spend $3,000 on purchases in the first 3 months of your account opening.
Unlimited cash back. Get unlimited 1.5% cash back on every purchase you make. You’ll earn points when using your card, which you can convert to cash.
Intro APR on purchases. Get a 0% intro APR on purchases for the first 12 months after opening your account, and a variable APR between 14.74% and 20.74% thereafter. This is an ideal feature if you’re planning to make a large purchase for your business.
Employee cards. Get employee cards at no additional cost. You’ll earn additional cash back from every purchase your employees make.
Credit line. The minimum credit line you can receive is $3,000. When compared to other cashback cards that have credit lines starting at just $2,000, this is pretty decent. For businesses with excellent credit history, the starting credit line could be even higher.
Foreign transaction fees. You’ll pay a fee of 3% of each transaction you make when traveling overseas. This may not seem like much, but if you spend $10,000 per year in purchases abroad, that’ll add up to $300 in fees.
Best Chase business credit card for airline rewards: United℠ Explorer Business Card
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.
Signup bonus. Earn 50,000 bonus miles when you spend $5,000 on purchases during your first 3 months of opening your account. Plus, earn an additional 50,000 when you spend $25,000 total in the first 6 months. Redeem your miles for flights, cabin upgrades, hotel bookings, gift cards, shopping, airport dining and more. Flights start from 12,500 miles for a one-way trip within the continental US and Canada.
Earn miles. For every purchase made directly with United Airlines, you earn 2x miles. Gas, restaurant and office supply purchases will get you the same 2 miles per dollar rate. Every other purchase brings you 1x miles.
Earn additional miles for flying with Star Alliance partner airlines. You can also earn miles by staying at partner hotels, including Marriott, Starwood hotels, World of Hyatt, Holiday Inn, Best Western and more. Add even more miles by renting cars from Hertz, GroundLink, SuperShuttle and other qualifying rental companies.
Free checked bags. You get one bag free for yourself and one companion who’s traveling on your reservation. One checked bag for a one-way trip costs $25, so you could save $100 for two passengers on a round-trip flight.
Priority boarding. Get ready for takeoff sooner with priority boarding.
Anniversary United Club passes. After you open your account, you’ll get two complimentary United Club passes worth $59 each. Every 12-month anniversary of your account opening, you’ll get two more passes.
Annual fee. You’ll pay $95 annually to own this card.
Penalty APR. The United℠ Explorer Business Card has a grace period of 20 days after the close of each billing cycle. Payments made after that come with a fee of up to $39. But once you make a single late or returned payment, Chase may impose a penalty APR of 29.99% variable, which you could be stuck with indefinitely.
Balance transfer limits. You can only make a balance transfer of up to $15,000 or your credit limit, whichever is less. Balance transfers can only be made from a non-Chase account.
Best Chase business credit card for office supplies: Ink Business Cash℠ Credit Card
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.
Signup bonus. Earn $500 bonus cash back once you spend $3,000 in the first 3 months of your account opening.
Cash back. Earn 5% back up to $25,000 annually in combined purchases at office supply stores, Internet, cable and phone services. Earn 2% back at gas stations and restaurants, also up to 25,000 in combined purchases each year. After that you’ll earn 1% cash back. Also, everything else you buy earns 1% cash back.
Variety of redemption options. Despite being marketed as a cashback card, you earn points that you can redeem for cash, travel bookings, gift cards or you can shop with points at Amazon.com.
No annual fee. You get all these perks without paying an annual fee for the card.
Foreign transaction fee. This may not be a good traveling companion abroad as you’ll pay 3% fee of the amount of each transaction you make. This means, $5,000 spent abroad will cost $150 in fees.
Penalty APR. For every late payment you make, you’ll pay $39. After that, the bank may impose a penalty APR of 29.99% variable, which can be applied indefinitely to your account.
Best Chase business card for general travel rewards: Ink Business Preferred℠ Credit Card
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.
Signup bonus. Get 80,000 points after you spend $5,000 on purchases in the first 3 months of your account opening. That’s up to $1,000 when redeemed for travel rewards through Chase Ultimate Rewards, or $800 in cash back.
Earn points. For every dollar spent on travel, Internet, cable, shipping purchases and phone services, you earn 3 points for your first combined $150,000 in purchases per year. After the limit is reached, you’ll earn 1x points for the rest of the year. For all other purchases, you earn 1x points. Redeem points for travel, cash back or gift cards. Keep in mind that your points are worth 25% more when you redeem them for airfare, hotels, cruises and car rentals through Chase Ultimate Rewards.
Airline points transfer. You can transfer your points at a 1:1 ratio with Chase’s airline partners including United Airlines, Virgin Atlantic, British Airways, Korean Air and more.
Employee cards. Get employee cards at no additional cost and earn your points faster.
No foreign transaction fees. The Ink Business Preferred℠ Credit Card comes with no foreign transaction fees. Other cards require you to pay up to 3% per transaction.
Annual fee. You’ll have to pay $95 annually to own this card.
Late fees. Late payments will cost up to $39 in fees.
Balance transfer limits. You can’t make a balance transfer from another Chase account. Also, you’re limited to a balance transfer of up to $15,000 or your credit limit, whichever is lower.
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 14.74% and 20.74% 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 December 12th, 2019
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.
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.
The Ink Business Unlimited℠ Credit Card and the Ink Business Cash℠ Credit Card are the only two cards in the Chase business suite that offer an intro APR period on purchases.
Ink Business Preferred℠ Credit Card
United℠ Explorer Business Card
Southwest Rapid Rewards® Premier Business Credit Card
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
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