Whether you have an established small business, a start up company or you earn extra income on the side, having a business credit card can come in handy. To that end, Chase offers a full suite of business credit cards for varying needs.
The best Chase business credit cards reward cardholders for business spending and offer benefits that outweigh the fees they charge.
We’ve analyzed the entire suite of business credit cards available through Chase to curate a list of the very best. Here are our selections.
Best Chase business credit cards of January 2024
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 50+ cards analyzed.
- 8 data points considered.
- 5-step fact-checking process.
Compare the best Chase Business cards:
Best Chase business credit cards of January 2024
Best Chase business credit card: Ink Business Cash® Credit Card
Why this card made the list
The Ink Business Cash® Credit Card combines elevated cash-back rates and a huge welcome bonus without charging an annual fee. This cash-back business card also comes with several valuable travel and shopping protections that add to its value, including primary rental car insurance, extended warranty and purchase protection. Chase also provides employee cards for no additional fee.
- Annual fee: $0.
- Rewards: 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, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases.
- Welcome bonus: $900 cash back after spending $6,000 on purchases in the first three months of account opening.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
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Why this card made the list
The United Club Business Card comes with a premium annual price tag but provides plenty of value to offset the cost. Arguably, its most valuable feature is the included United Club membership, which starts at $650 annually.
Other airline benefits include two free checked bags on all eligible flights, Premier Access travel services, 25% back on United in-flight and Club premium drink purchases and premier upgrades on award tickets. You can also earn up to 8,000 Premier qualifying points (PQPs) toward elite status per calendar year with card spending.
- Annual fee: $450.
- Rewards: 2 miles per $1 on United purchases and 1.5 miles per $1 on all other purchases.
- Welcome bonus: 50,000 miles after spending $5,000 on purchases in the first three months of account opening.
- Foreign transaction fees: None.
Best for no annual fee: Ink Business Unlimited® Credit Card
Why this card made the list
The Ink Business Unlimited® Credit Card offers a ton of value with no annual fee. The card comes with an incredible welcome bonus offer, although it requires a relatively high spending requirement.
It also earns above-average flat-rate cash back on all card purchases and comes with an intro APR offer on purchases. The Ink Business Unlimited comes with free employee cards and a number of travel and purchase protections.
- Annual fee: $0.
- Rewards: 1.5% cash back on purchases.
- Welcome bonus: $900 cash back after spending $6,000 on purchases in the first three months of account opening.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
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Why this card made the list
The Ink Business Preferred® Credit Card
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The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
earns Chase Ultimate Rewards® points, one of the most versatile loyalty reward currencies. The card features a huge welcome bonus offer, although you’ll need to meet a high spending requirement to earn it.
Cardholders will receive elevated earnings on the first $150,000 spent in combined purchases each account anniversary year on popular business spending categories like shipping, select advertising, internet, cable and phone services and travel. Plus, your points are worth 25% more if you redeem rewards through the Chase travel portal.
- Annual fee: $95.
- Rewards: 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per $1 on all other purchases.
- Welcome bonus: 100,000 points after spending $8,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
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Why this card made the list
If you regularly make large purchases for your business, the Ink Business Premier Credit Card could be the card for you. It earns a highly competitive cash-back rate on every purchase of $5,000 or more. The card also earns high flat-rate cash back on other card purchases. Those big rewards and generous welcome bonus help to offset the card’s $195 annual fee.
Be aware, however, that the Ink Business Premier is a charge card, so you must pay your balance in full each month unless you qualify for Chase’s Flex for Business program.
- Annual fee: $195.
- Rewards: 5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on purchases of $5,000 or more, and 2% cash back on all other purchases.
- Welcome bonus: $1,000 cash back after spending $10,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
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Why this card made the list
The Southwest® Rapid Rewards® Performance Business Credit Card
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The information for the Southwest® Rapid Rewards® Performance Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
is great for those who prefer to fly on Southwest Airlines. This co-branded airline business card comes with a large welcome bonus and high reward rates on popular business spending categories as well as Southwest purchases.
Southwest perks include four upgraded bookings per year, up to 365 WiFi credits annually and bonus points on each cardmember anniversary. As a cardholder, you also receive a Global Entry, TSA PreCheck or NEXUS application fee credit up to $100 every 4 years.
- Annual fee: $199.
- Rewards: 4 points per $1 at Southwest, 3 points per $1 on Rapid Rewards hotel and car rental partners, 2 points per $1 on local transit including rideshares and commuting, social media, search engine advertising, internet, cable and phone services. Earn 1 point per $1 on all other purchases.
- Welcome bonus: 80,000 points after spending $5,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.. Factors we considered when ranking Chase business cards included:
- Annual fees.
- APR.
- Rewards.
- Business tools.
- Travel and shopping protections.
- Other card features that could be helpful for small businesses.
Should you get a Chase business credit card?
If you’re looking for a small business credit card, it’s hard to go wrong choosing a Chase Business credit card. The card issuer has multiple business cards from which to choose, all offering a variety of rewards, features, perks and annual fees.
Annual fees on Chase business cards range from $0 up to $450 each year. For Chase business credit cards with an annual fee, you’ll always want to get enough value from the card to at least break even.
To determine whether a Chase business card is worth it, start by looking at your business expenses. How much do you spend on your business each month and how much of your spending goes on a credit card? Do you spend enough to justify a card with a high annual fee? Does Chase offer business cards that align with your spending habits as a business owner? Are there cards that earn rewards that you find valuable?
Then, look beyond the rewards to what other benefits are available to you as a cardholder. What business, travel or other features come with the card? Some Chase business cards come with a laundry list of benefits, while others offer fewer perks.
What’s the difference between a business credit card and a personal card? Here’s what you need to know.
Guide to Chase business credit cards
How to qualify for a business credit card
The good news is that you don’t need to have employees or large revenue to qualify for a business credit card. You can get a business card as a sole proprietor, limited liability corporation (LLC) or other business type.
Whether you’re an independent contractor, a freelancer or you just make money on the side doing odd jobs, you can still get a business credit card.
When you apply for a business credit card, the issuer asks you to provide certain personal and business information. The details required may vary between cards and card issuers, but generally, you will need to provide the following information:
- Name.
- Title.
- Date of birth.
- Mother’s maiden name.
- Social Security number (SSN) or individual taxpayer identification number (ITIN).
- Address.
- Contact information.
- Gross annual income.
- Company structure.
- Legal business name.
- Business name you want on the card.
- Employer identification number (EIN), if applicable.
- Business address.
- Business phone number.
- Business established date.
- Annual business revenue.
- Estimated monthly credit card spending.
- Industry category.
- Business type.
Card issuers generally look at your personal credit when you apply for a business credit card. Like personal cards, you must meet certain credit and other issuer requirements to qualify for a business card.
How to choose the best Chase business card
If you know what you want in a business credit card, it’s easier to find the right card. Start with the primary reason you want a business credit card. Is it to earn rewards? Are you interested in having access to travel benefits?
Analyze your spending to determine where you spend the most money. Look for cards that offer bonus reward rates in your top spending categories. If your spending varies, consider a card that earns flat-rate rewards across all card spending.
Don’t stop at the rewards rates offered by a card. Consider which redemption options are available with a specific card. Also, consider which benefits you want in a business credit card and narrow your search to cards that align with your needs. Most Chase business cards come with general business card benefits and offer free cards for employees. It’s in the rest of the card’s features that you’ll discover if it holds enough value.
Sometimes, you can cross a card off your list immediately because it doesn’t make sense to get it. For example, if you don’t live near an airport that offers Southwest Airlines flights, a Southwest co-branded business card doesn’t hold much value.
Determine if there is a Chase business card that offers enough value and rewards you well enough for business spending.
Frequently asked questions (FAQs)
You do not need to be a current Chase customer to qualify for a Chase business credit card. If approved, Chase will provide instructions on setting up an online account.
You don’t need to own a specific business to qualify for a Chase business credit card. If you earn money in some way outside of your regular income, you can apply for a business credit card as a sole proprietor, which doesn’t require having an Employer Identification Number (EIN).
Chase doesn’t disclose its credit score or other requirements to qualify for personal or business credit cards. Generally, you need good to excellent credit to qualify for most Chase Business credit cards. Card issuers, including Chase, look at personal credit scores when determining eligibility for a business credit card. A good to excellent credit score is a FICO score of 670 or higher.
You can apply for a Chase business credit card online, through the Chase mobile app or in person at any Chase branch location. During the application process, Chase will ask you to provide detailed personal and business information.
Chase may make a determination on card approval quickly or can take longer to decide whether or not to approve a card application.
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