Compare top Chase business cards | finder.com

Compare top Chase business cards

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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.

Our pick for cash back

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

Updated April 20th, 2019
Name Product Rewards Purchase APR Annual Fee
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% 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®
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% 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
  • 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.

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℠ Explorer Business Card

United℠ Explorer Business Card

75,000 bonus miles after you spend $5,000 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℠ 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 Bonvoy™ Premier Plus Business Credit Card

Marriott Bonvoy™ Premier Plus Business Credit Card

75,000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening.

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The Marriott Bonvoy™ Premier Plus 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 15.49% and 21.49% 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.
  • Do you often stay at Marriott Bonvoy hotels? If you do, the Marriott Bonvoy™ Premier Plus 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 Bonvoy hotels.

Compare Ink Business Preferred℠ Credit Card and Ink Business Cash℠ Credit Card

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 April 20th, 2019
Name Product Rewards Purchase APR Annual Fee
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% 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®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership.
Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe.
4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
16.49%, 20.49% or 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership.
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
None (Charge Card)
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening.
2x points on purchases through Amex Travel and 1x points on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership.
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back.
6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 100,000 bonus points after you use your new card to make $5,000 in purchases within the first 3 months of card membership.
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months.
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$195
Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
N/A
None (Charge Card)
$0
60-day interest-free financing for e-commerce businesses.

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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 Bonvoy™ Premier Plus Business Credit Card for hotel benefits and rewards and the United℠ Explorer Business Card for flight rewards.

For those who want a simple cashback card, 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 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 (see Rates & Fees ).

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

Frequently asked questions

Rates and fees

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