Best Chase Business Credit Cards

of November 2024

Best Chase Business Credit Cards

In This Article

Are you ready to supercharge your business and take it to the next level? Well, get ready to meet your ultimate sidekick in the world of business credit cards – the Best Chase Business Credit Card!

Picture this: You’re the captain of your own ship, navigating the ever-changing waters of entrepreneurship. But wait, what’s that shining beacon on the horizon? It’s the Best Chase Business Credit Card, ready to join you on this epic journey!

With its powerful rewards and benefits, this credit card is more than just a piece of plastic. It’s a gateway to a world of opportunities for your business. Get ready to earn valuable points on every purchase, from office supplies to business travel, and watch your rewards balance soar higher than you ever imagined.

1.   Ink Business Premier Credit Card

2.   Ink Business Unlimited Credit Card

3.   Ink Business Cash Credit Card

4.   Ink Business Preferred Credit Card

5.   Southwest Rapid Rewards Performance Business Credit Card

6.   United Business Card

7.   IHG One Rewards Premier Business Credit Card

8.   World of Hyatt Business Credit Card

Overview of Best Chase Business Credit Cards

How to Choose Best Chase Business Credit Cards

Pros & Cons of Best Chase Business Credit Cards

What to Watch Out For

Pro Tips

Recap

1. Ink Business Premier Credit Card

Ink Business Premier Credit Card

Unleash the power of the Chase Ink Business Preferred Credit Card – a beacon of rewards with a generous sign-up bonus, travel perks, and valuable Ultimate Rewards points.

Pros

  • Earn valuable points on various business expenses
  • Has no foreign transaction fees
  • Extends the warranty on eligible purchases made with the card
  • Allows you transfer points to airline and hotel loyalty programs for even greater travel redemptions

Cons

  • Has an annual fee
  • Has high interest charges
  • Has point redemption limitations
  • Earn $1000 bonus cash back when you spend $10,000 on purchases for the first 3 months
  • Earn 2.5% cash back on large purchases
  • Earn 2% cash back on every purchase
  • Earn 5%cash back on Lyft rides
  • Covers your new purchase for 120 days against damage or theft up to $10,000 per claim and $50,000 per account

2. Ink Business Unlimited Credit Card

Ink Business Unlimited Credit Card

The Chase Ink Business Unlimited Credit Card reigns as the best choice for simplicity and rewards. With unlimited 1.5% cash back on all purchases and no annual fee, it’s perfect for businesses seeking straightforward rewards.

Pros

  • Comes with no annual fees
  • Offers a sign-up bonus to new cardholders
  • Offers unlimited cash back
  • Offers the option to add employee cards at no additional cost

Cons

  • Offers a lower cash back rate
  • Has foreign transaction fees
  • Has limited travel benefits
  • Earn $750 bonus cash back when you spend $6,000 on purchase for the first 3 months
  • Earn unlimited 1.5% cash back on every purchase made
  • Offers 0% intro APR for 1 year

3. Ink Business Cash Credit Card

Ink Business Cash Credit Card

The Chase Ink Business Cash Credit Card is the ultimate ally for cash back lovers. With no annual fee, earn generous cash back on office supplies, internet, advertising, and more. A fabulous sign-up bonus and employee cards boost its appeal.

Pros

  • Offers cash back on various business expenses
  • Offers sign-up bonus

Cons

  • Has a lower cash back rate
  • Has high balance transfer fee
  • Earn $750 cash back when you spend $6,000 on purchases for the first 3 months
  • Has 0% intro APR for 12 months on purchase
  • Earn 5% cash back on the first $25,000 you spend on combined purchases at office supply stores, and on internet, cable and phone services
  • Earn 2% cash back on the first $25,000 you spend on combined purchase at gas stations and restaurants

4. Ink Business Preferred Credit Card

Ink Business Preferred Credit Card

The Chase Ink Business Preferred Credit Card reigns as the champion of rewards and perks. With a generous sign-up bonus, valuable Ultimate Rewards points on business expenses, and travel benefits, it’s a game-changer!

Pros

  • Has no foreign transaction fees
  • Extends the warranty on eligible purchases made with the card
  • Allows you to transfer points to airline and hotel loyalty programs for even greater travel redemption options

Cons

  • Has an annual fee
  • Require a high credit score
  • Earn 100,000 bonus point when you spend $8,000 on purchases for the first 3 months
  • Earn 3 points per $1 on the first $150,000 you spend in combined purchases in categories shipping purchases, advertising, internet, cable and phone services and travel
  • Earn 25% more in travel redemption

5. Southwest Rapid Rewards Performance Business Credit Card

Southwest Rapid Rewards Performance Business Credit Card

The Southwest Rapid Rewards Performance Business Credit Card soars above the competition with its remarkable perks. With a generous sign-up bonus, rapid rewards points on Southwest purchases, and anniversary bonus points.

Pros

  • Earn towards the companion pass
  • Has no foreign transaction fees

Cons

  • Has an annual fee
  • Has limited transfer partners
  • Earn global entry or TSA PreCheck fee credit up to $100 every 4 years
  • Earn 1,500 tier qualifying points towards A-list status for every $10,000 you spend
  • Earn 9,000 anniversary bonus points each year after your cardmember anniversary
  • Earn 80,000 points when you spend $5,000 on purchases within the first 3 months

6. United Business Card

United Business Card

United Business Credit Cards offer a passport to unmatched travel benefits and rewards. With accelerated United MileagePlus miles on purchases, anniversary bonus miles, and perks like priority boarding and free checked bags, they elevate your business travel experience.

Pros

  • Has no foreign transaction fees
  • Offers united MileagePlus miles
  • Receive mile points on card anniversary

Cons

  • Comes with annual fee
  • Has limited transfer partners
  • Earn 50,000 bonus miles when you spend $5,000 on purchases for the first 3 months
  • Earn 2x miles on united airlines purchases and selected categories like gas stations, Wi-Fi, office supplies, local transit and commuting
  • Earn up to 1,000 premier qualifying points

7. IHG One Rewards Premier Business Credit Card

IHG One Rewards Premier Business Credit Card

The IHG Rewards Premier Business Credit Card shines as the ultimate choice for business travelers. With a substantial sign-up bonus, accelerated rewards on IHG hotel stays, and complimentary IHG Platinum Elite status.

Pros

  • Has no foreign transaction fees
  • Comes with generous sign-up bonus

Cons

  • Has an annual fee
  • Has limited transfer partners
  • Earn up to 26x total points at IHG hotels and resorts
  • Earn 5x total rewards point per dollar
  • Earn $100 statement credit and 10,000 bonus points when you spend $20,000 each year

8. World of Hyatt Business Credit Card

World of Hyatt Business Credit Card

The World of Hyatt Business Credit Card stands as the ultimate choice for avid travelers seeking luxurious stays. With a generous sign-up bonus, accelerated Hyatt points on purchases, and elite status benefits like free nights and room upgrades.

Pros

  • Has no foreign transaction fee
  • Earn accelerated Hyatt points

Cons

  • Has only Hyatt focused rewards
  • Comes with an annual fee
  • Earn 60,000 bonus points when you spend $5,000 on purchases for the first 3 months
  • Earn up to 9 total points per $1 you spend at Hyatt hotels
  • Earn 2 bonus point per $1 you spend on categories like dining, shipping, airline ticket, gas stations, internet, cables and phone services, fitness club and gym

Overview of Best Chase Business Credit Cards

Chase Business Credit Card is a game-changer, showering you with valuable rewards on every purchase. From office supplies to business travel, the points will rain down like confetti.

But that’s not all – enjoy exclusive travel benefits, no foreign transaction fees, and a legendary sign-up bonus that leaves you speechless.

How to Choose Best Chase Business Credit Cards

Choosing the best Chase business credit card depends on your specific business needs, spending habits, and travel preferences. To find the card that aligns with your requirements, consider the following factors:

  • Rewards and Benefits:

Different Chase business cards offer various rewards and benefits. If you and your employees frequently travel, a card that earns travel rewards or provides travel-related perks may be a good fit. On the other hand, if your business spends heavily on specific categories like office supplies, internet, or advertising, a card that offers higher rewards in those categories may be more advantageous.

  • Eligibility criteria:

Chase business credit card eligibility criteria include having a legitimate business entity, meeting minimum time-in-business and revenue requirements, and a good to excellent personal credit score. Having an existing relationship with Chase may be advantageous, but not mandatory.

  • Annual Fee:

Some Chase business cards have an annual fee, while others do not. Evaluate the annual fee against the card’s benefits and rewards to determine if it’s worth paying for your business.

  • Introductory APR:

If you plan to carry a balance or need to make large purchases, look for cards that offer a 0% introductory APR on purchases and balance transfers. This can be helpful for managing cash flow and saving on interest charges during the introductory period.

Pros & Cons of Best Chase Business Credit Cards

  • Offers opportunity to build business credit
  • Offers useful expense management tools to help you track spending, manage employee cards and simplify accounting
  • Offers substantial sign-up bonuses
  • Offers a variety of business credit cards, allowing you to choose the card that aligns best with your specific business needs and preferences
  • Has annual fees
  • Requires a good to excellent credit score for approval
  • Has relatively high interest rates
  • Has specific eligibility criteria

What to Watch Out For

  • Annual Fees:

Some business credit cards come with annual fees. While these cards often offer valuable rewards and benefits, ensure that the benefits outweigh the cost of the annual fee for your business. If you don’t anticipate using the card frequently or benefiting from the rewards, it might be better to choose a card with no annual fee.

  • Existing Chase Accounts:

Having an existing relationship with Chase, such as a business bank account or other credit products, may positively impact your application.

If you already have an existing relationship with Chase, such as a business bank account, it may be advantageous to explore business credit cards associated with your current accounts.

  • Introductory Offers:

Be aware of any introductory offers, such as 0% APR periods or sign-up bonuses. Understand the terms and conditions, including the duration of the offer and any requirements you need to meet to qualify.

  • Rewards Program Details:

If the card offers rewards, review the rewards program details. Some cards may have spending caps, expiration dates for points, or limitations on certain categories. Choose a rewards program that aligns well with your business spending habits and preferences.

  • Penalty Fees:

Familiarize yourself with the penalty fees associated with the card, such as late payment fees or returned payment fees. Make sure to pay your bills on time to avoid unnecessary charges.

  • Credit Limit:

Check the credit limit offered on the card. Ensure it meets your business’s needs without excessively tempting you to spend beyond your means.

  • Business Credit Reporting:

Understand how the card issuer reports activity to business credit bureaus. Consistent, on-time payments can help build a positive business credit history, while late payments can have adverse effects.

  • Read the Fine Print:

Carefully review the terms and conditions, cardholder agreements, and any disclosures provided by the card issuer. Pay attention to the details to avoid surprises later.

Pro Tips

  • Maximize sign-up bonuses
  • Track expenses
  • Pay in full and on time
  • Leverage reward categories
  • Monitor rewards points
  • Plan for large purchases
  • Maintain a health credit score
  • Monitor credit reports

Recap

The best Chase business credit card for you depends on your business’s specific needs, spending habits, and travel preferences. Be sure to consider the rewards, benefits, fees, and other terms to choose the card that aligns with your business requirements.

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