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Chase Business Credit Cards: Your Complete Guide

  • This article breaks down nine Chase business credit cards, including co-branded airline and hotel cards.
  • Our top picks for the best Chase business cards are the Ink Business Cash? Credit Card, the Ink Business Preferred? Credit Card, and the Ink Business Unlimited? Credit Card.
  • Every card on this list offers some type of reward structure, and you can earn up to 26 points per dollar depending on the card and reward program.
  • You need good or excellent credit to get approved for these cards.
  • The annual fees for the cards on this list range from $0 to $199.

Chase partners with airlines and hotels to offer a wide range of co-branded credit cards for business use. You can find Chase business credit cards that offer cash back or travel rewards with varying levels of perks.?

In this Chase business cards review, we’ll explore:

  • How to earn rewards with a Chase business credit card
  • Common Chase business card benefits
  • How to choose the right Chase business credit card

Our top picks for Chase business cards

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Best for cash back without categories

Ink Business Unlimited? Credit Card

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1.5% Reward Rate

Earn unlimited 1.5% cash back on all purchases made for your business.

Annual Fee
$0
Welcome Offer
$750
Regular APR
18.49% to 24.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
Out of the Chase business cards, the Ink Business Unlimited wins for simplicity. Cardholders can earn 1.5% back on all purchases, eliminating the need to navigate complex cash-back categories. Additionally, it has an intro APR offer, so if you’re planning on making a large purchase, it allows for the perfect opportunity to take a bit longer to pay it off without accruing interest expenses. Plus, this card has no annual fee, so it doesn’t cost you anything to keep it in your wallet and there’s no pressure to “make up” for a yearly cost.

Best for 5% cash back in business categories

Ink Business Cash? Credit Card

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Up to 5% Reward Rate

Earn 5% cash back in select business categories (on up to $25,000 per year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per year). Earn 1% cash back on all other purchases.

Annual Fee
$0
Welcome Offer
Up to $750
Regular APR
18.49% to 24.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Ink Business Cash card is a smart choice for small business owners looking to maximize their rewards. It has no annual fee and offers solid rewards on essential business purchases like office supplies, internet, cable, and phone services. Additionally, the Ink Business Cash provides a generous sign-up bonus and an intro APR offer. This card also has multiple valuable benefits for business owners, like purchase protection, extended warranty protection, and free employee cards. Some businesses may not be able to fully take advantage of this card’s bonus categories, but if you can, this is a solid no-annual-fee business card option.

Best for earning points in business categories

Ink Business Preferred? Credit Card

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Up to 3X Reward Rate

Earn 3 points per $1 on the first $150,000 spent in combined purchases in select categories each year, and earn 1 point per $1 on all other purchases.

Annual Fee
$95
Welcome Offer
100,000 points
Regular APR
21.24% to 26.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
If you’re in the market for a business card that can double as a travel credit card, the Ink Business Preferred may be what you need. This card has a high reward rate on travel, certain business purchases, and even on purchases that don’t fall into those categories. On top of that, it also boasts various additional perks like travel insurance and cell phone protection, so you can go on your business endeavors knowing that you’re covered. To further sweeten the deal, the welcome offer on this card is insanely good, worth $1,250 alone. All of that for a low $95 annual fee. If you can utilize this card’s perks and bonus categories, it can reward you well.

Best for making larger purchases

Ink Business Premier? Credit Card

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Up to 5% Reward Rate

Earn unlimited 5% cash back on travel purchased through Chase Travel?, 2.5% cash back on purchases of $5,000 or more, and 2% cash back on all other business purchases.

Annual Fee
$195
Welcome Offer
$1,000
Regular APR
19.49% - 27.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
Although it has the highest annual fee of the Ink Business cards, at $195 per year, the Ink Business Premier card is a solid option for businesses that make large transactions. It offers 2.5% cash back on purchases over $5,000 and 2% back on other business purchases, which could add up quickly. It also comes with travel insurance perks, cell phone protection, and purchase protection. To sweeten the deal, the welcome offer on this card is extremely generous, if you can spend enough to earn it. If your business purchases fall into the higher-reward categories of other cards, you’ll probably find more value elsewhere, but if you make large purchases in other categories, the 2.5% this card offers is higher than many flat-rate cash-back business cards.

Best for United loyalists

United? Business Card

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Up to 2X Reward Rate

Earn 2X miles per dollar spent on United purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting. Earn 1 mile per dollar spent on all other purchases.

Annual Fee
$0 intro annual fee for the first year, then $99.
Welcome Offer
75,000 miles
Regular APR
21.99% to 28.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
For business travelers who prefer United, the United Business card is a low-fee ($99/year after the first year) card with good benefits. With perks like a $100 United travel credit, priority boarding privileges, and generous rewards in useful categories, this card could be very beneficial to the right traveler. If you travel a lot or aren’t loyal to United, specifically, another card could be more valuable, but this card is a spectacular option for the semi-frequent business traveler/United loyalist.

Best for Hyatt loyalists

World of Hyatt Business Credit Card

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Up to 9X Reward Rate

Earn up to 9X points spent at Hyatt — 4X points when you use your card at Hyatt hotels plus 5X base points as a World of Hyatt member. Earn 2X points on your top 3 spend categories each quarter (through 12/31/24, then your top 2 categories each quarter), earn 2X points on fitness club and gym memberships, and earn 1X points on all other purchases.

Annual Fee
$199
Welcome Offer
60,000 points
Regular APR
21.49% to 28.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
For business travelers who stay frequently at Hyatt hotels, this card is a no-brainer. It comes with a great rewards rate on both Hyatt purchases and everyday purchases, making it easy to earn points. On top of that, it boasts complimentary Discoverist status for cardholders, giving access to a variety of valuable benefits like room upgrades, late checkouts, and more. Additionally, you can earn a Free Night Award every year on your account anniversary, a perk that easily justifies the moderate $199 annual fee. For the business traveler who chooses Hyatt as their preferred hotel chain, the World of Hyatt Business card could make a valuable addition to your wallet.

Best for IHG loyalists

IHG One Rewards Premier Business Credit Card

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Up to 26X Reward Rate

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, and earn 3 points per $1 spent on all other purchases.

Annual Fee
$99
Welcome Offer
140,000 bonus points
Regular APR
21.49% - 28.49% Variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The IHG One Rewards Premier Business Credit Card is a solid option for business travelers who frequently stay at IHG hotels like InterContinental, Crowne Plaza, Kimpton, EVEN Hotels, Indigo, and Holiday Inn. It has a reasonable annual fee and offers great value through its benefits. Cardholders receive a complimentary free night every year, which easily makes up for the annual fee. Additionally, this card gives cardholders automatic Platinum Elite status, which unlocks perks like room upgrades, late check-out, and bonus points on stays. Overall, this card is a great choice for business travelers who frequent IHG hotels and want to experience a little bit more luxury during their stay.

Best for Southwest loyalists

Southwest? Rapid Rewards? Performance Business Credit Card

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Up to 4X Reward Rate

Earn 4X points on Southwest purchases, 3X points on purchases with Southwest hotel and rental car partners, 2X points on rideshare and social media advertising, internet, cable, and phone services, and 1X points on other purchases.

Annual Fee
$199
Welcome Offer
80,000 points
Regular APR
21.49% to 28.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
For business travelers loyal to Southwest, the Southwest? Rapid Rewards? Performance Business Credit Card boasts a significant amount of value. It’s easy to earn rewards on this card, with a rate of 4 points per dollar on Southwest purchases and solid rewards on other purchases. Additionally, every year you have this card, you’ll get 10,000 Companion Pass? qualifying points and 4 upgraded boardings. You can also take advantage of perks like a Global Entry or TSA PreCheck credit, a generous welcome offer, inflight wifi credits, and more. For the frequent business traveler, the $199 annual fee of the Performance Business Card could be well worth it.

Best for Southwest frequent travelers

Southwest? Rapid Rewards? Premier Business Credit Card

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Up to 3X Reward Rate

Earn 3X points on Southwest purchases and 2X points on purchases with Southwest hotel and rental car partners. Earn 2X points on local transit and commuting (incl. rideshare), and 1X points on other purchases.

Annual Fee
$99
Welcome Offer
80,000 points
Regular APR
21.49% to 28.49% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
If you tend to book Southwest flights when traveling for your business, the Southwest Rapid Rewards Premier Business card is a good mid-tier option. It offers a decent reward rate on Southwest purchases and business purchases, along with a generous welcome offer. Additionally, cardholders get 1,500 tier-qualifying points for every $10,000 spent, helping you to reach elite status. You can also enjoy benefits like 4 upgraded boardings each year, anniversary points, and more. Overall, the Rapid Rewards Premier Business card is a great choice for semi-frequent business travelers who also happen to be Southwest loyalists.

Are Chase business credit cards worth it?

Chase offers a wide selection of business credit cards, so most business owners can find a card that meets their spending and budget needs.?

Chase also partners with airlines and hotel programs, so if you’re a loyalty member with one of those programs, you can maximize travel rewards value.?Additionally, several Chase business cards are part of the Chase Pay Yourself Back program.

Whether or not a specific Chase business card is right for you depends on your financial situation and business spending habits, so dig into the details of a card before you apply.

Pros and Cons of Chase Business Credit Cards

  • Chase business cards have competitive annual fees.
  • You can choose from a wide range of cards to best align with your business spending needs.
  • The rewards structures tend to be fairly generous and not overly complex.
  • Chase is a large, well-known bank, and businesses could benefit by having a relationship with it.
  • You’ll need good or excellent credit to get approved for any of these cards.
  • As a large bank, Chase doesn’t offer the personalized service you might get with a credit union or smaller bank.
  • The welcome bonuses on these cards typically require you to spend a large amount within just three months.

Comparing the best Chase business cards

Advertiser Disclosure

More info on Chase Business Cards

Ink Business Unlimited? Credit Card

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With the Ink Business Unlimited? Credit Card, you can earn unlimited 1.5% cash back without any categories to worry about. This card also has no annual fee and offers an introductory offer of 0% on purchases made in the first 12 months. You could use that to finance a large business purchase while also earning the cash-back bonus.

Redeem cash back as a statement credit or use it to purchase gift cards or cover travel expenses. After the introductory offer, the?regular purchase APR on this card is 18.49% to 24.49% variable, depending on your creditworthiness.

Ink Business Cash? Credit Card

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The Ink Business Cash? Credit Card may be a good option for businesses that spend a lot on internet and phone services, gas station purchases, dining, or at office stores. This is because you can get more rewards with this cash-back card than you would with the basic unlimited card.

You also get the introductory APR offer, which can make it easier to earn that initial welcome bonus. The redemption details and regular purchase APR are the same as they are with the Ink Business Unlimited card.

Ink Business Preferred? Credit Card

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The Ink Business Preferred? Credit Card lets you earn points you can use for cash back or redeem on travel. You get more value when you use points for travel — 100,000 points convert to $1,000 cash back or $1,250 in travel redemption value.

There’s no introductory offer with this card, and you’ll pay a $95 annual fee. If you spend regularly in the main earnings category, however, you can more than make that expense back with rewards. The regular purchase APR for this card is 21.24% to 26.24% variable depending on your credit and other factors.

Ink Business Premier? Credit Card

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The Ink Business Premier? Credit Card is designed to work like a charge card, which means you should pay off your balance each month. However, it also has a Chase Flex for Business benefit that lets you pay for qualifying purchases over time at an APR of 19.49% to 27.49% variable, depending on your credit and other factors.

You’ll pay a $195 annual fee with this card, but the cash-back structure allows you to earn a decent amount if your business spends regularly. For example, if you make a purchase of $5,000 every month, you’ll earn $1,500 in cash back.

United? Business Card

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The United? Business Card works best for businesses that can book travel regularly with United Airlines. If United doesn’t fly out of your regional airport, a different airline credit card may be a better choice.

In addition to earning rewards miles and a generous welcome offer, this card offers several travel perks. You save up to $140 on every round trip by getting your first checked bag covered, and you can earn a $100 United travel credit after taking qualifying flights. Other perks include lounge passes and a 25% discount on inflight and Club drink purchases.

The purchase APR on this card is 21.99% to 28.99% variable, depending on creditworthiness.

World of Hyatt Business Credit Card

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The World of Hyatt Business Credit Card has the most complex rewards structure. Currently, you earn 2 points per dollar spent on your top three categories. After that, you earn 2 points per dollar on your top two categories. The categories are dining, shopping, direct airline ticket purchases, local transit, advertising on search and social, car rentals directly booked with agencies, fuel at gas stations and internet, cable and phone services.

You can also maximize points earned via your Hyatt loyalty program, and you won’t pay foreign transaction fees with this card. APR on this card is 21.49% to 28.49% variable for purchases, and you’ll pay an annual fee of $199.

IHG One Rewards Premier Business Credit Card

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One of the best things about the IHG One Rewards Premier Business Credit Card is that IHG One Rewards members can double up points earnings on spending with the hotel chain. You also get several other perks, such as a free hotel night each year and options to book three nights and get the fourth free.

You won’t pay foreign transaction fees with this hotel credit card, and you can earn Platinum Elite status with the hotel rewards program as well as statement credits when you spend a certain amount each year. The purchase APR on this card is 21.49% to 28.49% variable, depending on creditworthiness.

Southwest? Rapid Rewards? Performance Business Credit Card

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The Southwest? Rapid Rewards? Performance Business Credit Card is a slight step up from the Premier option. There are more opportunities to earn points, and you also get 9,000 anniversary points each year. You can take advantage of four upgraded boardings each year and a $100 credit for TSA Precheck, Global Entry or NEXUS fees. The annual fee is higher with this card than with the Premier, but you get numerous credit opportunities to make up for it. The APR is the same.

Southwest? Rapid Rewards? Premier Business Credit Card

[ jump to details ]

The Southwest Rapid Rewards? Premier Credit Card is best for businesses that?fly with Southwest regularly. In addition to the welcome bonus and rewards mentioned above, you also get 6,000 anniversary points each year with this card. Travel perks include 25% back on inflight purchases and two EarlyBird Check-Ins annually.

You can transfer your rewards to other programs for increased flexibility in redemption and get a credit for up to $500 in transfer expenses. You won’t pay foreign transaction fees with this Southwest Rapid Rewards credit card, and the purchase APR is 21.49% to 28.49% variable.

How to choose the best Chase business credit card

Choose the best Chase business card for you by considering your spending habits and business needs.?

Aspects to look at include:

If you’re not convinced a Chase business card is right for you, you may want to consider other options, such as American Express business cards or Capital One business cards.

How to apply for a Chase business credit card

Select your preferred Chase business credit card below to learn more and apply online.

Be prepared to provide information, such as:

In most cases, the application only takes a few minutes and you get instant notification about your approval. However, some applicants may need to provide additional information or documentation. Chase will provide instructions for doing so if that’s the case.

You need good or excellent credit to get approved for these cards. Approval can take a few minutes to a few weeks, depending on your situation. Once you’re approved, you typically receive your card within two weeks.

Chase is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Chase products:

Top Chase credit cards of 2024 Compare cards side-by-side Credit Cards with Mouse Cursor COMPARE CARDS

FAQs: Chase business credit cards

Which is the best Chase business credit card?

The best Chase business credit card for your company is the one that aligns with your spending habits and budget. For example, if you book travel with United Airlines multiple times a year, you might want to consider the United Business Card. If travel isn’t part of your business’s regular spending, you might want to consider one of the Ink cash-back cards.

Is it hard to get a Chase business credit card?

It’s easy to complete the application for a Chase business credit card online in just a few minutes. You need good or excellent credit, though, and you may need to provide documentation regarding your business income and expenses.

What credit score do I need for a Chase business card?

Each card on this list comes with individual credit requirements. However, you typically need at least a good credit score to qualify. A good credit score is?in the high 600s or low 700s. An excellent credit score is usually 740 or higher.

Does Chase pull personal credit for Chase business cards?

Yes, Chase will normally pull a personal credit report when you apply for a business credit card. It considers the owner of the business to be the guarantor on the debt, so your personal credit matters.

What’s the easiest Chase business card to get?

Typically, the cards with lower levels of rewards and higher APRs are easier to get because they don’t usually require a credit score on the higher end.

Sarah Stasik
Sarah Stasik Personal Finance

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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