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Compare top Chase business cards

Finding the right card for your business can be easier than you think.

Updated . What changed?

Fact checked

Our pick for a Chase business card: Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card logo

100,000-point

Signup bonus after spending $15,000 in first 3 months

  • Huge signup bonus worth $1,250 through Chase Ultimate Rewards
  • Earn 3x points on travel and popular business categories on up to $150,000 each year
  • 1x points on everything else
Apply now
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.

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards&reg
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, restaurants, gas stations, office supply stores, local transit and commuting, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 75,000 miles once after spending $5,000 in your first 3 months.
Southwest Rapid Rewards® Performance Business Credit Card
3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases
15.99% to 22.99% variable
$199
Earn 70,000 points when you spend $5,000 on purchases in the first 3 months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months.
Southwest Rapid Rewards® Premier Business Credit Card
2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$99
Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.
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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.

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

Ink Business Unlimited℠ Credit Card
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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. You’ll also enjoy a $750 signup bonus after you spend $7,500 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

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

Ink Business Cash℠ Credit Card
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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 $750 after you spend $7,500 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

Ink Business Preferred® Credit Card
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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 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 $750 $750 60,000 75,000
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 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.

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 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.
The Blue Business® Plus Credit Card from American Express American Express® Business Gold Card The Business Platinum Card® from American Express Brex 30 Card
Rewards 2x points on the first $50,000 on all purchases each year, 1x points after reaching the cap
  • Earn 4x points on the first $150,000 each year on select two categories where you spend the most each billing cycle, 1x points after reaching the cap
  • Earn 1x points on all other purchases
  • 5x points on flights and prepaid hotels on amextravel.com
  • 1.5x points on each eligible purchase of $5,000 or more (up to 1 million additional points per calendar year)
  • 1x points on all other purchases
Make Brex for Startups your exclusive business card and earn:
  • 7x points on remote collaboration tools (Zoom, Slack, Gong and Monday)
  • 4x points on travel booked through Brex Travel
  • 3x points on food delivery (Caviar, DoorDash, Uber Eats, Grubhub and Seamless)
  • 2x points on software subscriptions
  • 1x points on all other purchases
Welcome offer None 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:
  • $5,000 credits in Amazon Web Services (AWS)
  • 25% off 12 months of eligible Slack plans
  • 20% discount on Zoom annual subscription
  • 50% off on Dropbox purchases
  • $1,500 of Snapchat ads credit
Other perks
  • 12 months of 0% intro APR period on purchases, a variable 13.24% to 19.24% thereafter
  • Expense management tools
  • Travel insurance
  • No foreign transaction fees
  • Expense management tools
  • Travel insurance
  • Access to more than 1,200 lounges worldwide
  • $200 airline fee credit each year
  • Marriott and Hilton elite status tiers
  • Fine Hotels & Resorts benefits
  • No personal liability
  • High credit limit
  • Expense management tools
Annual fee $0 for main cardholder and employee cards $295 $595 $0 for the first five cards, $5 annually for every additional card

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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