More info on Chase Business Cards
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.
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.
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 — 90,000 points convert to $900 cash back or $1,125 in travel redemption value through Chase Travel?.
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.
The Ink Business Premier? Credit Card is designed to work like a charge card, which means you should pay off your balance each month.
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.
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 making 7 United flight purchases of $100 or more each card anniversary year. Other perks include lounge passes and a 25% discount on inflight and Club drink purchases.
The World of Hyatt Business Credit Card has the most complex rewards structure. You earn 2 points per dollar spent on your top three 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.
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 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 $120 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.
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.
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:
- Rewards categories to ensure they align well with your spending habits
- Annual fees to factor whether you can get enough value from the card to make it worth any fee
- Other fee structures and interest rates so you understand the costs of the card
- What perks you get as a card member
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.
???See our picks: Best cash back business cards
How to apply for a Chase business credit card
Select your preferred Chase business credit card at the top of this page to learn more and apply online.
Be prepared to provide information, such as:
- Your full name
- Your business and personal address
- Your Social Security or Tax ID number
- Details about business expenses and income
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.
