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If you’re a business owner, there are numerous benefits to having a business credit card. A dedicated business credit card separates your personal and business expenses, and can also earn rewards on money you’re already spending.
Chase offers many of the best business credit cards on the market today — so many, in fact, that picking the right one can be overwhelming.
This guide can help you choose the best Chase business credit card for your business. We’ll give you the details of each of the best Chase business cards to help you make an informed decision. With multiple cards to choose from, there’s sure to be one that fits your spending habits and travel goals.
Best Chase Business Credit Cards
- Ink Business Preferred® Credit Card: Best benefits overall including cell phone protection
- Ink Business Cash® Credit Card: Best for no annual fee and bonus categories
- Ink Business Unlimited® Credit Card: Best for no annual fee and unlimited cash back
- World of Hyatt Business Credit Card: Best for Hyatt loyalists
- IHG One Rewards Premier Business Credit Card: Best for IHG loyalists
- Southwest® Rapid Rewards® Performance Business Credit Card: Best for Southwest frequent flyers
Compare the Top Chase Business Credit Cards
Best benefits overall including cell phone protection
Ink Business Preferred® Credit Card
Regular APR
21.24% – 26.24% Variable
Earn 100,000 bonus points
Recommended Credit
Good to Excellent
- High sign-up bonus
- Offers 3x bonus points on several spending categories, including travel and advertising purchases
- Includes comprehensive travel coverage
- Welcome bonus has a very high minimum spending requirement
Product Details
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
- 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Best for no annual fee and bonus categories
Ink Business Cash® Credit Card
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
18.49% – 24.49% Variable
Earn $750 bonus cash back
Recommended Credit
Good to Excellent
- Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
- Intro APR offer for purchases
- No annual fee
- You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
- Annual cap on bonus categories
Product Details
- Earn $750 bonus cash back after you spend $6,000 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 purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Best for no annual fee and unlimited cash back
Ink Business Unlimited® Credit Card
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
18.49% – 24.49% Variable
Earn $750 bonus cash back
Recommended Credit
Good to Excellent
- Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
- Intro APR offer
- No annual fee
- You can earn more cash back on some purchases with a card that has bonus categories
Product Details
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
World of Hyatt Business Credit Card
Regular APR
21.49% – 28.49% Variable
Earn up to 75,000 bonus points
Recommended Credit
Good to Excellent
- Excellent welcome bonus, earning, and benefits
- Automatic elite status for yourself and up to five company employees
- Up to $100 in Hyatt credits each year and a 10% points rebate on redemptions when you meet spending requirements
- High annual fee
- Card doesn’t offer an annual free night like similar hotel cards do
- Points rebate requires $50,000 in spending in a calendar year
Product Details
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits — spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
IHG One Rewards Premier Business Credit Card
Regular APR
21.49% – 28.49% Variable
Earn 140,000 bonus points
Recommended Credit
Good to Excellent
- Up to 2 free night certificates each year
- Ability to achieve top-tier elite status through spending
- $99 annual fee
Product Details
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive 4-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Best for Southwest frequent flyers
Southwest® Rapid Rewards® Performance Business Credit Card
Regular APR
21.49% – 28.49% Variable
Recommended Credit
Good to Excellent
- 4x bonus points on Southwest purchases
- Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary
- $199 annual fee is on the high side
Product Details
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Chase Business Credit Cards: Frequently Asked Questions
The best Chase business credit card for travel rewards will align with your business expenses and travel goals. When deciding which card is right for you, consider how much you plan to spend each year, which perks best benefit your business, and how you plan to travel.
Many Chase business credit cards evaluate your personal credit scores along with your business financials. You’ll typically need good to excellent credit to qualify, with a FICO score of at least 670.
Yes, you can use your business card for travel. Certain Chase business credit cards are particularly valuable if you also have consumer credit cards through Chase because you can transfer business rewards to your primary account for personal use.
Yes, Chase will pull your personal credit when you apply for a Chase business card. You’ll be personally liable for any and all charges made to the card, including from authorized users linked to the business account.
Chase Business Credit Card Reviews
Best Overall: Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is one of the best business cards on the market, especially for small business owners interested in earning and using Chase Ultimate Rewards points.
The Ink Business Preferred® Credit Card offers the most valuable welcome offers out of all the cards on this list. New cardmembers can earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. This bonus is worth at least $1,800, based on Personal Finance Insider’s valuations, if you transfer your points to one of Chase’s airline or hotel partners.
The card also comes with generous supplemental benefits that can save you a lot of money. The included credit card travel insurance benefit can help you recoup lost expenses when trips go awry. Meanwhile, cellphone protection and Chase purchase protection offer peace of mind for your smartphone, TV monitors, computers, and other valuable business assets.
Along with the big welcome offer, Ink Business Preferred® Credit Card cardholders earn rewards at the following rates per dollar spent:
- 3x points on shipping purchases
- 3x points on advertising purchases on social media sites and search engines
- 3x points on Internet, cable, and phone services
- 3x points on travel expenses including airfare, hotels, rental cars, and more
- 1x points on all other purchases
The 3x categories have a bonus cap of $150,000 in combined spending each year, after which you’ll earn 1 point per dollar.
The Ink Business Preferred® Credit Card carries an annual fee of $95 — low for the generous benefits you get with this card.
However, the Ink Business Preferred® Credit Card does not offer an introductory 0% APR interest period. If you want to pay off a large expense over time without incurring interest, consider one of the two other Ink cards we recommend below.
If you want to learn more about this card, read our full Chase Ink Business Preferred card review for more details.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card tops our list of the best 5% cash back credit cards for small business purchases. This card earns 5% cash back on some purchase categories and comes with a generous welcome bonus, all without an annual fee. You can supercharge your rewards if your company spends a lot at office supply stores, gas stations, and restaurants, or on cable, Internet, and phone services.
While the Ink Business Cash® Credit Card is a cash-back credit card, rewards come in the form of Ultimate Rewards points, which can be redeemed like cash at a 1:1 ratio of one point per cent.
Ink Business Cash® Credit Card cardholders earn rewards at the following rates:
- 5% cash back (5 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on Internet, cable, and phone services each account anniversary year
- 2% cash back (2 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back (1 point per dollar) on all other purchases with no cap
New Ink Business Cash® Credit Card cardholders earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening, worth $750 by Personal Finance Insider valuations. You can also take advantage of this card’s introductory offer of 0% intro APR on purchases for the first 12 months (then 18.49% – 24.49% Variable APR). This no-interest period can be especially useful for entrepreneurs with large expenses looming ahead.
The Ink Business Cash® Credit Card comes with a foreign transaction fee, so leave this card at home on your next international business trip.
Check out our comprehensive Chase Ink Business Cash credit card review for a more in-depth look at this great card.
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card is an excellent choice for small business owners seeking a card with a straightforward earning structure and no annual fee — and it comes with a solid welcome bonus.
The Ink Business Unlimited® Credit Card is nearly identical to the last card we reviewed, with one major difference: With the Ink Unlimited, you’ll earn 1.5% cash back on all purchases, simple as that.
New cardholders earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening — an incredible deal for a no-annual-fee card. New cardholders also benefit from a 0% intro APR on purchases for the first 12 months (then 18.49% – 24.49% Variable APR). However, the Ink Business Cash® Credit Card charges a foreign transaction fee, so this is not a card to take abroad.
Check out our Ink Business Unlimited credit card review for a deeper dive into the card.
World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card credit card is a solid choice for Hyatt hotel enthusiasts, especially if you can maximize the card’s benefits. Cardholders earn World of Hyatt points at the following rate:
- 4x points at Hyatt hotels (in addition to the 5x points World of Hyatt members automatically receive)
- 2x points on your top three eligible spend categories each quarter through December 31, 2024
- 2x points on fitness club and gym memberships
- 1 point per dollar on all other purchases
The World of Hyatt Business Credit Card also comes with generous benefits for its price point, including:
- Up to $100 in Hyatt statement credits each year
- Complimentary Discoverist elite status
- 5 tier-qualifying night credits for every $10,000 spent in a calendar year
The current welcome bonus for this card is 60,000 bonus points after spending $5,000 on purchases in the first three months of account opening, and additonally earn 15,000 bonus points after you spend $12,000 in the first six months. Those points are worth least two to three free nights at a top-tier Hyatt hotel, or even more free nights at lower-tier properties.
For a full rundown of the card, read our World of Hyatt Business credit card review.
IHG One Rewards Premier Business Credit Card
If you regularly stay at IHG hotels, you should give serious thought to the IHG One Rewards Premier Business Credit Card. This card offers a substantial welcome bonus, and cardholders can earn up to 26x points on purchases at IHG Hotels and Resorts. That’s a lot of value from a card with a low annual fee, making it a great choice for any IHG loyalist.
IHG One Rewards Premier Business Credit Card cardholders earn IHG points at the following rates:
- 10x points at IHG Hotels and Resorts
- 5x points on travel and at gas stations, dining, social media and search engine advertising, and at office supply stores
- 3x points for all other eligible purchases
The card also comes with other benefits that enhance its value, including one complimentary anniversary night each year; your 4th night free on reward stays (when redeeming three nights); an additional free night award worth up to 40,000 points; and platinum elite status with IHG.
The card’s current welcome bonus is 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening, making it one of the best hotel credit card offers available right now. This IHG One Rewards Premier Business Credit Card has an annual fee of $99.
If you’re interested in learning more, read our IHG Premier Business credit card review.
Southwest® Rapid Rewards® Performance Business Credit Card
If you’re a serious Southwest traveler in the market for a business card, take a good look at the Southwest® Rapid Rewards® Performance Business Credit Card. This card packs a big punch, with premium benefits to offset the higher annual fee. Best of all, every point earned from spending on the Southwest® Rapid Rewards® Performance Business Credit Card counts toward the coveted Southwest Companion Pass.
Cardholders earn Rapid Rewards points at the following rate:
- 4x points on Southwest purchases including flights, in-flight purchases, gift cards, and Southwest Vacations
- 3x points on Rapid Rewards hotel and car partners
- 2x points on local transit and commuting, including rideshares, passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages
- 2x points on social media and search engine advertising, internet, cable, and phone services
- 1x point per dollar everywhere else
The Southwest® Rapid Rewards® Performance Business Credit Card offers a generous range of benefits, including:
- 4 complimentary passes for Upgraded Boarding every year
- Global Entry, TSA PreCheck® or NEXUS fee credit
- 10,000 Companion Pass qualifying points every year
- 1,500 Tier Qualifying Points for every $5,000 of spend
- 9,000 Rapid Rewards points each year on your card anniversary
- 365 credits toward in-flight Wi-Fi access
The Wi-Fi benefit is particularly valuable for entrepreneurs who work while traveling, since Southwest charges $8 per flight per device.
The Southwest® Rapid Rewards® Performance Business Credit Card offers new cardholders 80,000 points after you spend $5,000 on purchases in the first three months from account opening. Personal Finance Insider values Southwest points at about 1.4 cents each. The card also comes with an annual fee of $199.
Want to learn more about this card? We do a deep dive into the specifics in our Southwest Performance Business card review.
How to Qualify for a Business Credit Card
Opening a business credit card is a wise decision, and qualifying for a business card is easier than you might think.
You don’t need to run a multimillion-dollar operation or even have an LLC to be eligible for a small business credit card. Sole proprietors or those with side gigs like blogging, babysitting, freelancing, and Uber driving can qualify you for such cards. And you can apply with just your Social Security Number (SSN); an Employer Identification Number (EIN) isn’t mandatory.
When applying for a business credit card on this list, be aware of the Chase “5/24 rule,” which states that you won’t be approved for a Chase credit card if you’ve opened five or more credit cards from any bank (excluding most business credit cards) in the past 24 months.
All Chase business cards are subject to the 5/24 rule, but do not contribute toward the 5/24 count.
How to Pick a Chase Small Business Credit Card
Picking the right Chase small business credit card for you is about finding the one that aligns most with your spending habits and financial and travel goals.
It’s wise to evaluate your business spending patterns and consider your biggest expenses. If you spend a lot at office supply stores, the Ink Business Cash® Credit Card is likely your best bet. Are you trying to earn the Southwest Companion Pass? The Southwest® Rapid Rewards® Performance Business Credit Card will help you get there.
Don’t forget to consider your personal needs when evaluating foreign transaction fees, introductory APRs, and other benefits or downsides.
How to Apply for a Chase Business Credit Card
Applying for a Chase business credit card is straightforward. You’ll be asked to provide personal information like your name, SSN, date of birth, and address, along with business information like your business name and revenue and your EIN (if applicable).
It’s important to note that you’ll always be personally liable for any charges made on your Chase business credit card. Either way, Chase will evaluate your personal credit when you apply.
Why You Should Trust Us
We developed this list of the best Chase business cards by selecting cards with a substantial welcome bonus, great earnings rates, and ongoing perks and benefits. When creating this list, we evaluated the pros and cons of each card within these categories to determine which ones provide the best benefits to fit your financial and travel goals.
Check out our best Chase credit cards to read more about Chase’s personal credit cards and many other cards on the market.
For more information, we’ve shared how we rate credit cards at Personal Finance Insider.
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