Best Chase Business Credit Cards (2024)

best Chase business credit cards

I started my first business in 2008. One of the first things I did was get a business credit card for the rewards and expense tracking. Today, two of the three cards I carry for my companies come from Chase. In this article, I share what I believe to be the best Chase business credit cards available today, along with some solid alternatives.

Comparison of Chase Business Credit Cards

  • Chase Ink Business Premier

    Ink Business Premier℠ Credit Card

    Our Rating: 4.9
    ★★★★

    Annual Fee

    $195

    Reward Range

    2%-5%

    Welcome Offer

    Earn $1,000 bonus cash back

    Learn More
  • Chase Ink Business Cash

    Ink Business Cash® Credit Card

    Our Rating: 4.8
    ★★★★

    Annual Fee

    $0

    Reward Range

    1%-5%

    Welcome Offer

    Earn $750 bonus cash back

    Learn More
  • Chase Ink Business Preferred

    Ink Business Preferred® Credit Card

    Our Rating: 4.7
    ★★★★

    Annual Fee

    $95

    Reward Range

    1-3x points

    Welcome Offer

    New Cardmember Offer! Earn 100,000 bonus points

    Learn More
  • United Business Card

    United℠ Business Card

    Our Rating: 4.7
    ★★★★

    Annual Fee

    $99

    Reward Range

    1x – 2x miles

    Welcome Offer

    Earn 100,000 bonus miles

    Learn More
  • Chase Ink Business Unlimited

    Ink Business Unlimited® Credit Card

    Our Rating: 4.6
    ★★★★

    Annual Fee

    $0

    Reward Range

    1.5%

    Welcome Offer

    Earn $750 bonus cash back

    Learn More
  • World of Hyatt Business Credit Card

    Our Rating: 4.6
    ★★★★

    Annual Fee

    $199

    Reward Range

    1x – 9x points

    Welcome Offer

    60,000 Bonus Points

    Learn More
  • IHG One Rewards Premier Business Credit Card

    Our Rating: 4.6
    ★★★★

    Annual Fee

    $99

    Reward Range

    3x – 26x points

    Welcome Offer

    Earn 140,000 Bonus Points

    Learn More
  • Southwest® Rapid Rewards® Performance Business Credit Card

    Our Rating: 4.5
    ★★★★

    Annual Fee

    $199

    Reward Range

    1X to 4X points

    Welcome Offer

    Earn 80,000 points

    Learn More
  • Southwest® Rapid Rewards® Premier Business Credit Card

    Our Rating: 4.4
    ★★★★

    Annual Fee

    $99

    Reward Range

    1x to 3x points

    Welcome Offer

    Earn 60,000 points

    Learn More
  • Instacart Mastercard

    Instacart Mastercard®

    Our Rating: 4.2
    ★★★★

    Annual Fee

    $0

    Reward Range

    1% to 5% cash back

    Welcome Offer

    Get a free year of Instacart+ and a $100 Instacart credit

    Learn More

3 Best Chase Business Credit Cards

Chase offers both Chase-branded cards and co-branded travel business credit cards. The two I carry are the Business Preferred and Business Unlimited cards, both of which have more than met my company's needs. In truth, all of the Chase Ink business credit cards are excellent options.

Ink Business Premier(SM) Credit Card

This is the best all-around business card offered by Chase. In exchange for a reasonable annual fee, you get an excellent bonus offer and ongoing rewards.

Chase Ink Business Premier

Our Rating: 4.7

★★★★

Ink Business Premier℠ Credit Card

Welcome Offer

Earn $1,000 bonus cash back

Annual Fee

$195

APR

Flex for Business variable APR: 19.49% – 27.49% Variable

Credit Req'd

Good, Excellent

Rewards: Earn up to 5% cash back on travel booked through Chase, 2.5% cash back on purchases of $5,000 or more, and 2% cash back on other eligible purchases.

The Ink Business Premier℠ Credit Card tops our list because it pays 5% cash back on travel booked through Chase, 2.5% cash back on large purchases of $5,000 or more, and 2% cash back on other eligible purchases. Frankly, this is as close to a perfect credit card as you'll find.

2% cash back
All eligible purchases
Earn unlimited 2% cash back on all other business purchases
2.5% cash back
All eligible purchases
Earn 2.5% total cash back on purchases of $5,000 or more
5% cash back
Travel
Unlimited 5% total cash back on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points

Cons

  • Annual fee
  • Requires good credit
  • Can't transfer points to other Chase cards or travel partners

Ink Business Preferred® Credit Card Review

This is the Chase business card I've carried the longest. I applied for the card to handle all of my company's online advertising costs. Earning 3 points per $1 spent on advertising (subject to a spending cap) adds thousands of dollars a year to my business's bottom line.

Chase Ink Business Preferred

Our Rating: 4.7

★★★★

Ink Business Preferred® Credit Card

Welcome Offer

New Cardmember Offer! Earn 100,000 bonus points

Est. Value

$1,000 – $2,150

Annual Fee

$95

APR

21.24%-26.24% Variable

Credit Req'd

Excellent, Good

Rewards: Earn up to 3 points per $1 spent on several business categories, on the first $150,000 spent annually, then 1 point. Get a 25% bonus when points redeemed for travel through Chase.

The Ink Business Preferred® Credit Card pays 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.

1x points
On all other eligible purchases
Earn 1 point per $1 on all other purchases
3x points
All eligible purchases
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earns Chase Ultimate Rewards points
  • Earn up to 3x points

Cons

  • Annual fee
  • Requires good credit

Ink Business Unlimited® Credit Card

For business owners who want a simple rewards structure in a cash back card, the Ink Business Unlimited® Credit Card is the answer. It has no annual fee and earns 1.5% cash back on eligible purchases. The welcome bonus is excellent as well.

Ink Business Unlimited® Credit Card

Bonus Offer

Earn $750 bonus cash back

Annual Fee

$0

APR

18.49% – 24.49% Variable

Credit Req'd

Excellent, Good

Rewards: Earn 1.5 points on all eligible purchases with no spending caps. This card is ideal for business owners who want a simple rewards system.

The Ink Business Unlimited® Credit Card pays 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.

1.5% cash back
All eligible purchases
1.5% cash back on all eligible purchases with no limits to the amount you can earn

Pros

  • Welcome offer
  • No annual fee
  • Earns Chase Ultimate Rewards points
  • Earn 1.5% cash back

Cons

  • Foreign transaction fee
  • Requires good credit

What is the Best Chase Business Card for International Travel?

If your business takes you overseas, you want to consider two key factors when selecting a card.

First, you want a credit card that doesn't charge a foreign transaction fee. In the case of the Chase-branded business cards, the two that have no foreign transaction fee are the Ink Business Preferred® Credit Card and the Ink Business Premier℠ Credit Card. Between these two cards, the Business Preferred card gives you a 25% points bonus when you redeem points for travel through Chase.

All of the co-branded airline and hotel cards also do not charge foreign transaction fees. And this brings us to the second consideration–how you travel.

If you regularly stay in the same hotel and fly the same airlines offered by one of Chase's co-branded cards, that may be the best option. If, like me, you don't stick with the same travel partners, one of the two Chase-branded business cards with no foreign transaction fee is best.

What Travel Partners Does Chase Offer for Point Transfers?

Transfer partnerTransfer ratio
Aer Lingus Aerclub1:1
Air Canada Aeroplan1:1
British Airways Executive Club1:1
Emirates Skywards1:1
Flying Blue Air France KLM1:1
World of Hyatt points1:1
IHG Rewards Club1:1
Iberia Plus1:1
JetBlue TrueBlue1:1
Marriott Bonvoy1:1
Singapore Airlines Krisflyer1:1
Southwest Airlines Rapid Rewards1:1
United MileagePlus1:1
Virgin Atlantic Flying Club1:1

Keep in mind that Chase's travel partners and the points transfer ratio can change. Confirm the terms and conditions of points transfers with Chase before initiating a point transfer.

Also, remember that there are only three Chase cards that can transfer points to travel partners: Chase Sapphire Reserve®, Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card (Source: Chase). You can, however, transfer Ultimate Rewards earned from other Chase cards to any one of these three cards, and then transfer the points to a travel partner. I've used this strategy for points earned from the Unlimited card that I carry.

What is the Best Chase Business Card for a New Business?

For an entrepreneur just starting out, I like the Ink Business Cash® Credit Card. It doesn't charge an annual fee, and it offers elevated rewards in several categories that most new businesses can use. In addition, the signup bonus spend requirement is not too onerous.

What is the Best Chase Business Credit Card for a Small Business?

For a small business including freelancers, my favorite option is the Ink Business Unlimited® Credit Card. It doesn't charge an annual fee and pays a solid rewards rate on all purchases. It doesn't offer elevated rewards in select categories, but its base rate is higher than the Ink Business Cash. For a small business without significant expenses, this card is an excellent choice.

How do Chase Business Credit Cards Compare to Capital One?

Capital One offers some excellent business credit cards that compete with Chase. I've carried the Capital One Spark Cash Plus for years. It serves as my backup card for all expenses that don't qualify for higher rewards on my Chase business credit cards. You'll also find a comparison of two of the top cards from both issuers: Chase Business Ink Premier vs Capital One Spark Cash Plus. For travel, it's worth checking out the Capital One Venture X Business.

As for co-branded business travel cards, Capital One doesn't offer them. If you are looking for a business airline or hotel card, Chase and American Express have excellent options.

How do Chase Business Cards Compare to American Express?

American Express business credit cards are arguably the biggest competitor with Chase. They offer both Amex-branded cards and co-branded cards. For the co-branded cards, the best option largely depends on what travel partners your company prefers. American Express offers cards with Marriott, Hilton, and Delta. Chase partners with IHG, United, Hyatt, and Southwest.

As for the Chase and American Express non-co-branded cards, the best option will largely turn on whether you prefer the Chase or Amex points system. Amex is known for unparalleled customer service, while Chase cards may offer more rewards.

Bottom Line

Chase business credit cards provide a wide range of rewards and features that are beneficial for small businesses. Personally, I have been using these cards for several years and have been more than satisfied with the benefits they offer.