We are an independent, advertising-supported comparison service. Our
goal is to help you make smarter financial decisions by providing you
with interactive tools and financial calculators, publishing original
and objective content, by enabling you to conduct research and compare
information for free - so that you can make financial decisions with
confidence.
Bankrate has partnerships with issuers including, but not limited to,
American Express, Bank of America, Capital One, Chase, Citi and
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Brendan Dyer is a Bankrate editor who writes and edits content for rewards, travel, cash back and business credit cards. He’s passionate about informing readers about the most innovative ways to use their credit cards and how synergistic multiple cards can be in the right hands.
Steven Dashiell is an editor for Bankrate and CreditCards.com with expertise in rewards credit cards, financial literacy, and helping consumers build and maintain their credit.
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team independent of any bank or credit card issuer.
This article may contain
from our partners, and terms may apply to offers linked or accessed through this page.
as of posting date, but offers mentioned may have expired.
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At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one
you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly,
people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit
card industry year-round to:
Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience.
Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way,
we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first.
Our award-winning editors and reporters create honest and accurate content to help you make the right
financial decisions.
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We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have
editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial
content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and
our editorial team. Our editorial team does not receive direct compensation from our advertisers.
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Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you
make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced
by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked
to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and
dependable information.
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You have money questions. Bankrate has answers. Our experts have been helping you master
your money for over four decades.
We continually strive to provide consumers with the expert advice and tools needed to
succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy,
so you can trust that our content is honest and accurate. Our award-winning editors and
reporters create honest and accurate content to help you make the right financial
decisions. The content created by our editorial
staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and
useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison
service. We are compensated in exchange for placement of sponsored products and
services, or by you clicking on certain links posted on our site. Therefore,
this compensation may impact how, where and in what order products appear within
listing categories, except where prohibited by law for our mortgage, home equity
and other home lending products. Other factors, such as our own proprietary
website rules and whether a product is offered in your area or at your
self-selected credit score range, can also impact how and where products appear
on this site. While we strive to provide a wide range of offers, Bankrate does not
include information about every financial or credit product or service.
The best Chase business credit cards have great rewards rates, valuable bonus offers and allow cardholders to make the most of the Chase Ultimate Rewards program. Some are geared toward business owners who travel, while others are better for people who prefer to redeem rewards for cash back, merchandise or gift cards.
If you’re in the market for a business card from Chase, consider the following top Chase credit card options to see which one might work best for your goals. We break down the best cards by business needs to help you choose your next business credit card.
5% cash back on the first $25,000 spent in combined purchases in eligible categories 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants per year1% on all other purchases
3X points on the first $150,000 spent on travel and select business categories each account anniversary year (then 1X points)1X points on all other purchases
4X points on Southwest purchases3X points on participating hotel and car rental partners2X points on local transit, rideshares, commuting, social media and search engine advertising as well as internet, cable and phone services1X points on all other purchases
2X miles on United Airlines purchases, dining, at gas stations, on office supplies and local transit and commuting1X miles on all other purchases
$0 introductory annual fee for the first year, then $150.
4.4/5
Best for flat-rate cash rewards
Ink Business Unlimited® Credit Card
Rating: 4.2 stars out of 5
4.2
If you’re a minimalist who can’t be bothered to track spending categories and you divide your budget evenly across all purchases you make, the Ink Business Unlimited may be your best option for earning rewards. This card’s flat rewards rate is just a touch higher than the base 1 percent rate on tiered category cards, but it doesn’t charge an annual fee, so you won’t need to worry about offsetting any recurring costs.
Pros
The card’s lack of annual fee makes it an excellent choice for small-budget business owners who keep card spending to a minimum.
Its welcome offer is incredibly valuable for a no-annual-fee card.
The intro APR offer for new purchases can help you meet the welcome offer spending requirement without worrying about interest charges for the first 12 months.
Cons
The card’s flat-rate rewards program, while simplistic, may not earn the most rewards for purchases in several common categories.
The spending requirement for its welcome offer may be out of reach for business owners with low budgets.
This card isn’t ideal for debt management because it lacks an intro APR for balance transfers.
Best for bonus categories
Ink Business Cash® Credit Card
Rating: 4.6 stars out of 5
4.6
You can make the most of this card’s rewards if you spend heavily on office supplies and telecommunication services. Although this card has an annual spending cap for earning its best rewards rate, you can earn at least $1,250 in rewards value before Chase reduces your rewards rate to 1 percent.
Pros
There’s no annual fee to offset with rewards earnings, making it a great pick for cost-conscious business owners.
New business owners who need to make a lot of initial investments will appreciate its intro APR offer on new purchases.
Cons
The card’s spending caps are restrictive for big-budget spenders who might exceed the cap on earning boosted rewards.
Certain business owners, like those who operate remote or many small businesses, may not benefit from this card’s rewards categories.
Best for big spenders
Ink Business Premier℠ Credit Card
Rating: 3.4 stars out of 5
3.4
If you’re a business owner with a big budget, frequent travel plans and routine expenses, you’ll find the Ink Business Premier offers a lot of value. This business travel card provides travel protections, perks, tiered rewards and a generous flat rewards rate for an annual fee of $195. This fee is relatively high, but you can offset it by spending roughly $4,000 annually in the card’s 5 percent cash back category. If you travel often for business and don’t mind booking in the Chase travel portal, this card’s rewards will quickly justify its cost.
Pros
This card has one of the highest welcome offers available on any cash back credit card, valued at $1,000.
The card’s rewards blend tiered and flat-rate cash back, which can help you offset its high annual fee.
Additional employee cards are free and you’ll benefit from all the cash back they earn.
Cons
Its high annual fee may not be worth it if you don’t spend routinely in this card’s boosted categories.
The card’s limited redemption methods make it difficult to maximize your rewards in the Chase Ultimate Rewards portal.
This card is a poor choice to pair with other Chase cards because you can’t pool your earned rewards.
Best for flexible travel rewards
Ink Business Preferred® Credit Card
Rating: 4.4 stars out of 5
4.4
The Ink Business Preferred is best for flexible travel because you can use the Chase Ultimate Rewards portal to transfer points at a 1:1 rate to popular Chase travel partners like Southwest Rapid Rewards, United MileagePlus, British Airways and World of Hyatt. If you choose to transfer your points, your points may be worth around 2 cents each, according to recent Bankrate points and miles valuations.
Pros
This card’s boosted rewards and high welcome offer will help you build a healthy balance of points to fund your travel.
Its modest annual fee is easy to offset with regular spending.
The card’s benefits include travel, cell phone and extended warranty protections, plus free employee cards.
Cons
Its lack of intro APR offers on purchases or balance transfers makes it a poor choice for debt management or stalling interest charges on new purchases.
Compared to competitors, the card doesn’t offer any stand-out business benefits, such as accounting software integrations
The card’s boosted rewards are restricted to select categories and capped at $150,000 in combined spending.
Best for domestic flights
Southwest® Rapid Rewards® Performance Business Credit Card
Rating: 4.7 stars out of 5
4.7
The Southwest Rapid Rewards program is excellent for domestic flights (and flights to the Caribbean and Mexico) because you’ll get two free checked bags and access to the most flexible cancellation and rebooking policy on any airline. Of the two Chase cards under the Southwest umbrella, The Southwest Rapid Rewards Performance Business card offers more frequent flyer perks for better value on your flights.
Pros
You can earn boosted rewards on Southwest purchases and at participating hotel and car rental partners.
The card’s sign-up bonus, valued at $1,200, can offset the annual fee for several years.
You’ll receive a yearly anniversary point award of 9,000 points starting on your second year and each year thereafter.
Cons
Its high annual fee may be difficult to offset with everyday business spending, especially if you don’t take advantage of perks and benefits.
As a regionally-based airline, Southwest is not ideal for cardholders based outside of its network.
The card lacks airport lounge access perks, which you can find on other cards with comparable annual fees.
Best for international travel
United℠ Business Card
Rating: 4.4 stars out of 5
4.4
The United Business Card is the best Chase business card for international travel since you can use your United MileagePlus miles to fly to more than 200 countries between the airline and others in the Star Alliance. If you make routine purchases in this card’s boosted categories, you can earn a solid amount of points to complement this card’s perks, which, on their own, provide plenty of value.
Pros
Its high welcome offer is competitive with offers on cards with higher annual fees.
You’ll earn United Miles for common business purchases and some everyday purchases.
This card’s nuanced perks portfolio adds recurring value to the card.
Cons
The card’s rewards rate is a little lackluster compared to the outstanding boosted rates on competing cards, making it difficult to offset your annual fee with earnings.
It lacks an intro APR offers for purchases and balance transfers, so it’s a poor choice for debt management or stalling interest on new purchases.
How to choose a Chase business card
Chase business cards offer a variety of perks and reward opportunities. However, some cards are better suited to certain business owners than others. Consider the following factors to choose the right Chase business credit card for your needs.
Watch the annual fees
Pricey cards have better perks and rewards but higher risk.
Decide whether you’re willing to pay an annual fee first. In many cases, you can take advantage of a card’s benefits and credits to offset the cost of a card’s annual fee. But if you don’t think you’ll use those perks or you simply don’t want to worry about an annual fee, consider the Ink Business Unlimited or Ink Business Cash. These two cards keep the stakes low by not charging you to hold them while still offering decent rewards.
Choose cash back, points or miles
Cash back, points and miles work differently.
Before you choose a Chase business card, think about the type of rewards you want to earn and how you can use them. Some Chase business cards let you earn cash back, which you can redeem for statement credits, merchandise, gift cards and more. Other cards offer rewards for a specific frequent flyer program or earn flexible travel rewards you can redeem for points transfers to airline and hotel partners or for various travel purchases.
Researching both options lets you determine the value of rewards for your estimated spending. From there, you’ll have a better idea of which card option provides more value.
Consider intro APR offers
Intro APRs are worth as much as the amount you can save on interest charges.
A few Chase business credit cards, like the Ink Business Unlimited or the Ink Business Cash, offer introductory 0 percent APR offers on purchases. This perk provides a temporary window to pay off large purchases without paying interest.
If your business has an upcoming large expense, an intro APR offer can help you finance it.
Review the cardholder perks and benefits
Choose a card with perks you'll use.
Many Chase business cards come with free employee cards, fraud protection, extended warranty coverage, purchase protection against damage or theft, auto rental coverage and more. Some also offer travel perks on top of these benefits, like trip cancellation and interruption insurance, an application credit for TSA PreCheck or Global Entry, free checked bags and in-flight discounts. Consider which benefits you’ll use the most: If you won’t use any of them, the card may not be worth having, especially if it has an annual fee that will dig into your rewards earnings.
Benefits of Chase business credit cards
Chase business credit cards have numerous benefits, but there are a few general conveniences worth calling out.
Chase Ultimate Rewards program
Many Chase business credit cards — like the Ink Business Unlimited, Ink Business Cash and Ink Business Preferred — are a part of the Chase Ultimate Rewards program. This issuer rewards portal is one of the most popular and flexible available. It offers various redemption options, including point transfers that allow you to squeeze more value out of your rewards points.
Variety of business card options to choose from
Chase offers cards with different reward structures, fees (or lack of fees), benefits, welcome bonuses, redemption options and more. You’ll have a better chance of finding the right business card for your needs if you research the issuer’s top credit cards to understand what’s available.
Free employee cards
Chase business credit cards also offer free employee cards. You can set up individual card limits or other restrictions for your employees, plus benefit from employees’ spending by earning rewards for their purchases.
Frequently asked questions about Chase business credit cards
No, you do not have to have a bank account with Chase to become a credit card customer. However, Chase may boost your approval odds if you’re a customer with an established personal or business checking or savings account.
Yes, you can access your Chase business card account online or through the Chase mobile app. Doing so makes tracking your spending, paying your bill or reviewing your rewards balance easier.
No, you don’t need an employer identification number (EIN) to apply for a business credit card from Chase or any other bank. You can apply as a sole proprietor without an EIN using your Social Security number (SSN).
The bottom line
The best Chase business credit card for you depends on the type of rewards you want to earn, the perks you’re looking for and whether you want to pay an annual fee. But before you count out other card issuers’ offerings, explore some of the best business credit cards on the market to see if one best fits your spending habits and financial needs.
Quick citation guide
Select a citation to automatically copy to clipboard.
APA:
Dyer, B. (2024, October 18). Best Chase Business Credit Cards. Bankrate. Retrieved May 15, 2025, from https://www.bankrate.com/credit-cards/business/best-chase-business-cards/
Copied to clipboard!
MLA:
Dyer, Brendan. "Best Chase Business Credit Cards." Bankrate. 18 October 2024, https://www.bankrate.com/credit-cards/business/best-chase-business-cards/.
Copied to clipboard!
Chicago:
Dyer, Brendan. "Best Chase Business Credit Cards." Bankrate. October 18, 2024. https://www.bankrate.com/credit-cards/business/best-chase-business-cards/.
We are an independent, advertising-supported comparison service. Our
goal is to help you make smarter financial decisions by providing you
with interactive tools and financial calculators, publishing original
and objective content, by enabling you to conduct research and compare
information for free - so that you can make financial decisions with
confidence.
Bankrate has partnerships with issuers including, but not limited to,
American Express, Bank of America, Capital One, Chase, Citi and
Discover.
The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one
you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly,
people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit
card industry year-round to:
Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience.
Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way,
we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first.
Our award-winning editors and reporters create honest and accurate content to help you make the right
financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have
editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial
content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and
our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you
make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced
by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked
to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and
dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master
your money for over four decades.
We continually strive to provide consumers with the expert advice and tools needed to
succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy,
so you can trust that our content is honest and accurate. Our award-winning editors and
reporters create honest and accurate content to help you make the right financial
decisions. The content created by our editorial
staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and
useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison
service. We are compensated in exchange for placement of sponsored products and
services, or by you clicking on certain links posted on our site. Therefore,
this compensation may impact how, where and in what order products appear within
listing categories, except where prohibited by law for our mortgage, home equity
and other home lending products. Other factors, such as our own proprietary
website rules and whether a product is offered in your area or at your
self-selected credit score range, can also impact how and where products appear
on this site. While we strive to provide a wide range of offers, Bankrate does not
include information about every financial or credit product or service.
Quick citation guide
Select a citation to automatically copy to clipboard.
APA:
Dyer, B. (2024, October 18). Best Chase Business Credit Cards. Bankrate. Retrieved May 15, 2025, from https://www.bankrate.com/credit-cards/business/best-chase-business-cards/
Copied to clipboard!
MLA:
Dyer, Brendan. "Best Chase Business Credit Cards." Bankrate. 18 October 2024, https://www.bankrate.com/credit-cards/business/best-chase-business-cards/.
Copied to clipboard!
Chicago:
Dyer, Brendan. "Best Chase Business Credit Cards." Bankrate. October 18, 2024. https://www.bankrate.com/credit-cards/business/best-chase-business-cards/.
