Our Verdict
Introducing Chase Business Credit Cards – the ultimate financial solution for ambitious entrepreneurs like you. Take a moment to envision a world where your business thrives, where you have the freedom to seize opportunities, and where growth knows no bounds. That world is within reach, and it all starts with a Chase business credit card in your hands.
When you secure a business credit card from Chase, you gain more than just purchasing power—you gain a strategic partner! Empower yourself with the ability to streamline expenses, manage cash flow effortlessly, and seize every opportunity that comes your way. Your business deserves nothing less than the best, and that’s exactly what you’ll get with Chase.
Chase understands that no two businesses are alike, which is why it offers you a range of business credit cards with rewards that cater to your specific needs. You can earn cashback on essential expenses, gain travel rewards for your globe-trotting adventures, or access exclusive perks and benefits.
With an expansive network, Chase Bank serves you nationwide. Its physical branches span across all the states excluding Alaska and Hawaii. So, don’t wait any longer, apply for a Chase business credit card and experience the potential that awaits your business!
Corporate Headquarters
270 Park Avenue, New York, NY
Phone number: 1-800-432-3117
Website: www.chase.com
Pros
Consider Chase for your business credit card due to its:
- Exclusive rewards and cashback on business expenses
- Convenient expense tracking and reporting tools
- Diverse options for redeeming rewards
- Wide acceptance and global availability
- Enhanced security features for online transactions
- Unique customizable options to showcase your brand identity
Cons
Don’t opt for a Chase business credit card if your business can’t cope with its:
- High interest rate on outstanding balance
- Unfavorable balance transfer terms
- Occasional restrictions on certain benefits
- High annual fees for certain cards
- Late payment fees and penalties for missed payments
- Poor customer service
Who Chase Business Credit Cards Is Best For
A Chase business credit card is best for your business if you:
- Have frequent business expenses
- Meet the minimum credit score requirement
- Own a legitimate business entity
- Have sufficient business revenue history
- Maintain a good personal credit history
- Comply with Chase’s credit card policies such as the 5/24 rule
- Seek flexible payment options
- Require expense tracking tools
Who Chase Business Credit Cards Isn’t Right For
A Chase business credit card may not be the best for your business if you:
- Have a poor credit history
- Run a startup with no established financial records
- Have excessive debt or defaults
- Operate as a sole proprietor without a separate business account
- Engage in illegal business activities
- Manage a business that lacks a valid EIN (Employer Identification Number)
- Have outstanding bankruptcy
- Are a non-resident alien with no appropriate documentation
What Chase Business Credit Cards Offers
Explore a variety of Chase business credit cards and discover the perfect card that complements your unique enterprise needs. Your options include:
- Chase Ink Business Preferred®: Fuel your business growth with sign-up bonus points and accelerated rewards on travel, advertising, and more.
- Chase Ink Business Cash®: You can save for your business needs by maximizing cash back on office supplies, internet, and phone services.
- Chase Ink Business Unlimited®: Get value and flexibility for your business expenses as you receive unlimited cash back on all your purchases.
- Chase Southwest Rapid Rewards® Performance Business: Earn Rapid Rewards points and exclusive benefits if you are a frequent business traveler— a way of rewarding your company’s loyalty.
- Chase Southwest® Rapid Rewards® Premier Business: As a business owner, you receive 2X points on Southwest purchases, 6,000 anniversary points, employee cards at no extra cost, and more benefits for your business.
- Chase United Gateway℠ Business Card: Secure travel perks for your business and team through access to United TravelBank cash and United Club℠ passes.
- The World of Hyatt Business Card: Obtain World of Hyatt points plus an elite status, elevating your business stays and rewarding your loyalty.
Chase Business Credit Cards Details
Chase Ink Business Preferred®
With a Chase Ink Business Preferred credit card, you earn 3 points per $1 on travel, shipping, internet, cable, phone services, and advertising purchases. You’ll also receive 1 point per $1 on your other expenses.
Enjoy a generous 100,000-point sign-up bonus after spending $15,000 in your first 3 months and no foreign transaction fees. Take note of an annual fee of $95 and protect your purchases with purchase protection and extend warranties.
Chase Ink Business Cash®
You can get up to 5% cash back on your office supply stores, internet, cable, and phone services through the Chase Ink Business Cash credit card.
That’s not all! You’ll also receive 2% cash back on gas and dining plus an additional 1% cash back on your other purchases. Score $750 bonus cash back after spending $7,500 within 3 months. Enjoy 0% APR for 12 months and zero annual fee.
Chase Ink Business Unlimited®
A Chase Ink Business Unlimited credit card gives you unlimited 1.5% cash back on all your purchases, with no category restrictions. Earn a $750 bonus cash back when you spend $7,500 within 3 months.
Also, you enjoy 0% APR for 12 months plus access to purchase protection and extended warranty. Use your card internationally and don’t worry about foreign transaction fees or annual fees.
Chase Southwest Rapid Rewards® Performance Business
Check out Chase for its Rapid Rewards credit card because it offers you 3 points per $1 on Southwest Airlines purchases, hotel and car rental partners, internet, cable, and phone services.
You can also obtain 2 points per $1 on social media and search engine advertising. Plus, you receive 9,000 anniversary points and enjoy in-flight Wi-Fi credits. No foreign transaction fees but be aware of an annual fee of $199.
Chase Southwest® Rapid Rewards® Premier Business
A Chase Southwest Rapid Rewards Premier Business credit card is all about making your business travel rewarding. Earn 2 points per every $1 you spend on Southwest Rapid Rewards hotel and car rental partners, and 1 point per $1 on all other purchases.
Enjoy a generous sign-up bonus of 60,000 points after spending $3,000 in the first 3 months. You’ll receive 6,000 bonus points every card anniversary and pay a $99 annual fee with no foreign transaction fees.
Chase United Gateway℠ Business Card
Apply for a Chase United Gateway Business credit card and secure 2 miles per $1 on United Airlines purchases, gas stations, office supply stores with additional 1 mile per $1 on your other expenses.
Receive 30,000 bonus miles after you spend $1,000 within 3 months. Enjoy expanded award availability with no annual or foreign transaction fees.
The World of Hyatt Business Card
As a business owner, this Chase credit card offers you up to 4x points per $1 on Hyatt stays, dining, airline tickets, fitness and gym membership.
Furthermore, you receive 60,000 bonus points after spending $3,000 within 3 months. Pay an annual fee of $199 while you enjoy the Discoverist status and a Free Night Award. Get a second Free Night Award after spending $15,000 during a cardmember anniversary year.
Where Chase Business Credit Cards Stands Out
Generous Rewards
Chase business credit cards offer you lucrative rewards on your business expenses, granting you the opportunity to earn cashback, travel points, or valuable perks tailored to your business needs.
Versatile Redemption Options
Chase allows you to redeem the rewards on your credit card for a variety of business-related expenses, such as travel, office supplies, or statement credits, which maximizes the value of your earned points.
Premium Benefits
Sign up for a Chase business credit card because it gives you exclusive benefits like travel insurance, purchase protection, and extended warranty coverage, enhancing your business’s financial security and peace of mind.
Where Chase Business Credit Cards Falls Short
5/24 rule Limitation
Chase’s 5/24 rule restricts approval for a business credit card if you’ve opened five or more cards from any issuer in the past 24 months, limiting your access to its offerings.
Higher Fees
Certain Chase business cards have higher annual fees compared to competitors, which impacts your overall business expenses and potential return on investment.
Limited International Acceptance
While Chase business credit card is widely accepted in the U.S., its international acceptance may not be as extensive as some other card issuers, potentially causing inconveniences for you during overseas travel.
How to Qualify for a Chase Business Credit Card
If you want to qualify for a Chase business credit card:
- Maintain a strong credit history
- Show steady income and revenue streams
- Register your business
- Meet the minimum age requirement
- Have a valid Social Security Number or ITIN
- Keep your personal and business finances separate
- Comply with Chase’s credit card application rules
How to Apply for a Chase Business Credit Card
You can apply for a Chase business credit card through these steps:
- Research Chase business credit card options
- Visit the official Chase website
- Click on the “Apply Now” button
- Select the business credit card you want
- Review the card’s features and benefits
- Gather all necessary business information
- Complete the online application form
- Provide accurate business and personal details
- Upload required documents securely
- Double-check for any errors or omissions
- Submit your application
- Wait for Chase’s decision on approval
- Follow up to know if there is need for additional information
Alternatives to Chase Business Credit Cards
American Express Business Platinum Card
American Express Business Platinum credit card outperforms Chase by offering you superior travel perks and personalized support to maximize your business growth.
Elevate your business with exclusive benefits, like airport lounge access, concierge service, and generous rewards on travel and business expenses.
Capital One Spark Cash for Business
Through Capital One Spark Cash credit card, you supercharge your business finances with unlimited 2% cash back on every purchase.
It outshines Chase with its straightforward cash-back program and flexibility to fuel your business ambitions. Also, you can manage your expenses effortlessly and receive a high credit limit.
Discover it Business Card
Forget Chase and embrace Discover it Business credit card, a cost-effective option for you. Its simplicity and rewarding cash-back match helps your business to flourish.
Discover a new level of savings with zero annual fee, up to 1.5% cash back on all your transactions, and a unique first-year cash back match.
Customer Reviews
Customer reviews of Chase business credit cards consistently receive a high star rating, with an average of 4.5 stars out of 5. Positive comments highlight the generous rewards programs, lucrative cashback and travel benefits. Many business owners appreciate the seamless integration with accounting software, simplifying expense tracking. The card’s flexibility in credit lines and user-friendly mobile app also receives praise.
Despite the overall satisfaction, some customers express concerns about the customer service response time during peak hours, wishing for more efficient assistance. Additionally, a few negative comments noted occasional technical glitches in the online platform, leading to inconveniences in managing accounts. Some users also mention that the introductory interest rates increase significantly after the initial period.
Overall, Chase business credit cards garner favorable reviews due to its rewarding features and convenience. However, some improvements in customer service and technical aspects can further enhance customers’ experience.
Pro Tips
Take note of the following pro tips before you apply for a Chase business credit card:
- Evaluate Your Business Needs: Assess your company’s spending habits, expenses, and financial goals to select the most suitable card.
- Compare Rewards Programs: Compare the different Chase business cards rewards, focusing on cashback, travel perks, or points, based on your preferences.
- Analyze Fees and APR: Scrutinize annual fees, introductory APR rates, and ongoing interest charges to find a card with favorable terms.
- Review Credit Limit Flexibility: Ensure the card offers a credit limit that aligns with your business requirements and growth potential.
- Consider Employee Card Options: If you need multiple cards for your employees, explore cards with customizable spending limits and rewards tracking.
- Examine Reporting and Expense Management: Opt for a card with robust reporting tools and integration with accounting software for streamlined expense management.
Recap
As a business owner, take charge of your company’s finances with Chase business credit cards. You earn awesome rewards on your everyday business expenses – it’s like money back in your pocket! You can also customize your card design to exude your professionalism and brand identity.
Managing expenses is easy with Chase user-friendly online tools. So why wait? Apply for a Chase business credit card now and propel your enterprise to new heights!
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