Our Verdict
Chase business credit cards win over Regions owing to their many perks and benefits, which far surpass what you get from Regions business credit cards. These are some of the competitive advantages of Chase business credit cards over Regions:
- It offers a greater variety of business credit cards than Regions
- It offers more benefits and features than Regions business credit cards, such as welcome offers, annual fees, reward rates, bonus categories, travel insurance, purchase protection, cell phone protection, and access to Chase Ultimate Rewards.
Regions business credit cards also have some perks, like lower interest rates than Chase business credit cards, but that depends on how credit-worthy you are.
Why Choose Chase Business Credit Cards
Who Chase Is Best For
Consider Chase business credit cards if you
- Travel frequently and want to earn and redeem points for travel rewards
- Spend a lot on common business categories like shipping, internet, and advertising.
- Want to earn cash back on office supplies and internet, cable, and phone services
- Want to avoid an annual fee and enjoy purchase protection and extended warranty benefits
- Spend a lot on travel and large purchases
- Want a straightforward rewards program without any category restrictions
Who Chase Is Not Right For
Don’t choose Chase business credit cards if you
- Run a small business with limited expenses
- Operate in an industry that has unique spending patterns or specialized expenses that are not within the categories in Chase’s rewards structure
- Prefer a business credit card with the lowest possible APR
Why Choose Regions Business Credit Cards
Who Regions Business Credit Cards Are Best For
Select Regions business credit card if you:
- Want to earn cash back on all purchases with no limit or expiration
- Love to take advantage of a low introductory APR on purchases and balance transfers
- Want to save on interest
Who Regions Is Not Right For
Choose a more favorable alternative if you:
- Run business(es) with limited expenses in categories like office supplies, telecom services, or dining
- Operate business(es) that has specific preferences for rewards in categories not within Regions’ rewards structure, such as travel or industry-specific expenses
- Prioritize cost-cutting measures and prefer minimal fees or low-interest rates for your business
Chase vs. Regions: Main Differences
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Chase vs. Regions: Standout Features
Chase
- The Ink Business Preferred® Credit Card offers a sizable sign-up bonus of 100,000 points after making purchases of $15,000 in the first three months. These points are worth $1,250 when used to book travel through Chase Ultimate Rewards®. Additionally, it gives 3x points on expenditures made for shipping, internet, cable, phone, and advertising (up to $150,000 annually), and 1x point on all other transactions.
- The Ink Business Cash® Credit Card comes with a $750 cash back welcome incentive after spending $6,000 in the first three months. It also gives you 5% back on office supply stores and internet, cable and phone services (up to $25,000 per year), 2% back on petrol stations and restaurants (up to $25,000 per year), and 1% back on everything else.
- The Ink Business Unlimited® Credit Card offers a simple and unlimited 1.5% cash back on every purchase made for your business. It also offers a welcome bonus of $750 cash back after spending $6,000 in the first three months.
- The Ink Business Premier Credit Card provides a high reward rate of 5% cash back on travel purchases made through Chase Ultimate Rewards®, 2.5% cash back on expenditures of $5,000 or more, and 2% cash back on all other business transactions. Additionally, it provides a $1,000 cash back welcome incentive after spending $10,000 in the first three months.
- The Ink Business Cash card offers cash-back rewards on various categories such as office supplies, internet, cable, and phone services.
- The Ink Business Preferred card provides rewards on travel, shipping, advertising, and select online platforms.
- Chase frequently provides introductory offers, such as a sign-up bonus or 0% APR for a certain period, on their business credit cards.
- Chase business credit cards usually have competitive interest rates and may come with an annual fee, depending on the card
- Chase business credit cards often provide additional features, such as expense management tools, employee cards with customizable spending limits, and integration with accounting software.
Regions
- Regions Visa® Business Enhanced Credit Card offers 1% cash back on all purchases, with no limit or expiration. It also offers a low introductory APR of 0% for six months on purchases and balance transfers.
- Regions Visa® Business Credit Card offers a low interest rate and no rewards. It also offers a low introductory APR of 0% for six months on purchases and balance transfers.
- Regions’ business credit cards typically offer rewards on business-related purchases, such as office supplies, telecom services, and dining
- Regions may offer introductory APR promotions or bonus rewards points for new cardholders, although the availability and terms may vary.
- Regions business credit cards may have different annual fees and interest rates, which can vary based on the card and your creditworthiness.
Pros and Cons of Chase Business Credit Cards
- Pros
- Different cards to suit different spending patterns and reward preferences.
- Generous welcome offers and reward rates on select categories.
- Travel and purchase benefits such as insurance, protection, and access to Chase Ultimate Rewards®.
- Offer generous rewards programs such as cashback, points, or travel rewards on everyday business expenses.
- Offer a variety of card options with different reward structures and benefits
- Cons
- Annual fees on some cards.
- High interest rates if you carry a balance.
- Foreign transaction fees on some cards.
Pros and Cons of Regions Credit Cards
- Pros
- No annual fee on both cards.
- Low interest rates depending on your creditworthiness.
- Cash back on all purchases and access to Visa SavingsEdge
- Cons
- Low reward rate of 1% cash back on both cards.
- Foreign transaction fee of 3% on both cards.
- No welcome offer on either card.
Chase vs. Regions: Customer Reviews
On Forbes, the Ink Business Unlimited® Credit Card, the Ink Business Premier℠ Credit Card and The World of Hyatt Business Credit Card have a rating of 5 out of 5 stars, based on 1 review each.
NerdWallet too features customer reviews of some of Chase business credit cards: The Ink Business Cash® Credit Card has a rating of 5 out of 5 stars, based on 2 reviews, The Ink Business Preferred® Credit Card has a rating of 4.5 out of 5 stars, based on 2 reviews, The United℠ Business Card has a rating of 3.8 out of 5 stars, based on 1 review
Ink Business Unlimited® Credit Card has accolades for its flat-rate cash back, no annual fee, and generous welcome bonus; Ink Business Premier℠ Credit Card for its high reward rate, no annual fee, generous welcome bonus, and cashback on travel and big purchases; the World of Hyatt Business Credit Card for its benefits, bonus points, and annual free night and the United℠ Business Card for its United benefits, bonus miles, and free checked bag.
From WalletHub, the Regions Visa® Business Credit Card has a rating of 3.5 out of 5 stars, based on an editor’s review. The editor praised the card for its low minimum regular APR, no annual fee, and interest-free financing option. However, the editor also criticized the card for its lack of rewards, low introductory APR period, and high balance transfer and cash advance fees.
Also from WalletHub, The Regions Visa® Business Enhanced Credit Card has a rating of 3.8 out of 5 stars, based on 4 reviews. The reviewers praised the card for its cash back rewards, no annual fee, and low interest rates. However, some reviewers also complained about the customer service, foreign transaction fees, and lack of benefits.
From Regions Bank:
The Regions Visa® Business Credit Card and the Regions Visa® Business Enhanced Credit Card have no ratings or scores from customers on their website. However, they have some features that might appeal to some customers, such as cash back on all purchases, online and mobile banking, fraud protection, and access to Visa SavingsEdge®.
Chase and Regions Competitors
Do you need more than these business credit cards offer? There are many other business credit cards from different issuers that might offer better features, benefits, or rewards for your business needs:
- American Express Business Credit Cards: American Express offers a variety of business credit cards that cater to different types of businesses and spending patterns. Some of the popular cards are the American Express® Business Gold Card, the Blue Business® Plus Credit Card from American Express, the Business Platinum Card® from American Express, and the American Express Blue Business Cash™ Card. These cards offer flexible rewards, travel benefits, purchase protection, and access to Amex Offers.
- Capital One Business Credit Cards: Capital One offers several business credit cards that offer cash back or miles on every purchase. Some of the popular cards are the Capital One Spark Cash for Business, the Capital One Spark Miles for Business, the Capital One Spark Cash Select for Business, and the Capital One Spark Miles Select for Business. These cards offer simple and unlimited rewards, no foreign transaction fees, fraud protection, and access to Visa SavingsEdge®.
- Citi Business Credit Cards: Citi offers a few business credit cards that offer cash back or points on select categories. Some of the popular cards are the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, the Costco Anywhere Visa® Business Card by Citi, and the Citi Custom Cash℠ Card. These cards offer travel benefits, purchase protection, extended warranty, and access to Citi Entertainment®.
- Discover Business Credit Cards: Discover offers two business credit cards that offer cash back on every purchase. The Discover it® Business Card and the Discover it® Cash Back offer 1.5% cash back on every purchase, with no annual fee, no foreign transaction fees, and no late fees on your first late payment. They also offer a Cashback Match™ feature that matches all the cash back you earn in your first year.
Pro Tips
- Consider your business goals and needs
- Compare the features and benefits of each card
- Examine the advantages and disadvantages of each card.
- Check your credit score and eligibility
- Apply for one card at a time
- Use your card responsibly
Recap
What are you looking for in a business credit card? Do you want to earn rewards, save on interest, or enjoy benefits and features? How much do you spend on your business and what are your main expense categories? How often do you travel for business and where do you go?
Your answer to all of these is a pointer to which of these cards is most appropriate for you.
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