The best Chase business cards: Maximize your company’s rewards
To find the best Chase business credit card, assess your company's spending habits, consider the most valuable rewards for your business, and evaluate each card's annual fee against its benefits.
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Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Bankrate's senior editor of content partnerships.
Updated June 19, 2024, 4:25 PM EDT
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Chase offers some of the best business credit cards on the market. With various options tailored to different business needs and spending habits, these cards can help you maximize your rewards while providing essential perks and protections.
Here are the top Chase business credit cards, including rewards, benefits, and features to help you find the perfect fit for your business.
Best Chase business credit cards
- Ink Business Preferred® Credit Card
- Ink Business Cash® Credit Card
- Ink Business Unlimited® Credit Card
- Ink Business Premier® Credit Card
- Southwest® Rapid Rewards® Performance Business Credit Card
- United Club℠ Business Card
- World of Hyatt Business Credit Card
- IHG One Rewards Premier Business Credit Card
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is a top choice for businesses that spend heavily on travel, shipping, internet, cable, phone, and advertising. With a generous sign-up bonus and valuable travel perks, this card can help you quickly rack up rewards to offset business expenses.
Rewards
- 3X points on travel, shipping, internet, cable, phone, and advertising (up to $150,000 per year, then 1X points)
- 1x points on all other purchases
Annual fee: $95
This is the only business credit card from Chase that earns flexible travel points. You can transfer points earned with this card to airline and hotel partners like British Airways, Southwest Rapid Rewards, Marriott Bonvoy, and World of Hyatt.
Points are worth 25% more when redeemed for travel through Chase. You can also redeem points for cash back, gift cards, Apple purchases, and more.
The Ink Business Preferred card's welcome bonus is generous, considering its $95 annual fee. This card also has no foreign transaction fees, making it a solid choice for business owners who travel overseas.
Who it's best for: The Ink Business Preferred Card is ideal for small business owners who have flexibility when redeeming rewards for travel and other options.
Pros
- Generous welcome offer
- 3X points on common business categories
- Points transfer to Chase airline and hotel partners
- 25% rewards bonus when booking travel through Chase
- Valuable travel insurance benefits
- No foreign transaction fees
- Free employee cards
Cons
- $95 annual fee
- High spending requirement for bonus
- No intro APR offer
- Annual cap on bonus categories
- Earns just 1X points on regular purchases
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card offers excellent cash back rewards on common business expenses like office supplies, telecommunications, and gas. With no annual fee and a generous sign-up bonus, this card is a great choice for businesses looking to maximize their rewards without additional costs.
Rewards
- 5% cash back on office supply stores and internet, cable, and phone services (up to $25,000 per year, then 1%)
- 2% cash back on gas stations and restaurants (up to $25,000 per year, then 1%)
- 1% cash back on all other purchases
Annual fee: $0
This card also comes with a solid introductory 0% APR offer — a perk for business owners who need to invest in equipment or inventory and want to pay their purchases off interest-free over the first year.
Keep in mind the Ink Business Cash card offers cash back instead of travel rewards points. That means you can't transfer rewards to airline and hotel partners unless you also have another Chase travel card. But you can still use your cash back to book travel through Chase at the standard redemption rate of one cent per point.
Other perks include purchase protection, extended warranty protection, and auto rental collision damage waiver.
Who it's best for: The Ink Business Cash card is ideal for maximizing rewards at office supply stores and on internet, cable, and phone services. It's also a great option for businesses looking for a no-annual-fee card with a strong sign-up bonus.
Pros
- Lucrative welcome offer
- High cash back rates on common business expenses
- No annual fee
- 10% business relationship bonus
- Intro APR for purchases
- Free employee cards
- Can combine with Chase travel credit cards for premium travel redemptions
Cons
- Annual cap on bonus categories
- Foreign transaction fees
- Limited travel perks compared to other Chase business cards
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card keeps things simple by offering a flat rewards rate of 1.5% cash back on all purchases. There are no bonus categories to keep track of, making this card a great choice for businesses with varied spending that prefer simplicity.
Rewards:
- 1.5% cash back on all purchases
- 5% back on Lyft rides (through March 2025)
Annual fee: $0
Like the Ink Business Cash card, the Ink Business Unlimited offers an intro APR offer with no annual fee. You can also redeem rewards similarly, including cash back, statement credits, merchandise, and gift cards.
Additional perks include purchase protection, extended warranty protection, and auto rental collision damage waiver.
Who it's best for: The Ink Business Unlimited Card is best for business owners who want to earn a higher rate of cash back on all purchases with no annual fee.
Pros
- Solid welcome offer
- Unlimited 1.5% cash back on all purchases
- Intro APR offer for purchases
- Free employee cards
- Can combine with Chase travel credit cards for premium travel redemptions
Cons
- Foreign transaction fees
- No bonus categories for higher rewards
- Limited travel perks compared to other Chase business cards
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for businesses with large purchases and high overall spending. With unlimited 2% cash back on all purchases and 2.5% cash back on purchases of $5,000 or more, this card can help you maximize rewards on big-ticket items.
Rewards
- 2% cash back on all purchases
- 2.5% cash back on purchases of $5,000 or more
- 5% cash back on travel booked through the Chase travel portal
Annual fee: $195
The Ink Business Premier® Card has a $195 annual fee, but it offers an impressive rewards rate that can more than make up for it. A robust welcome bonus can also sweeten the pot for new cardholders.
Unlike other Chase business cards, the Ink Business Premier doesn’t let users combine rewards with Chase travel cards. If you have a card like the Chase Sapphire Preferred® or Chase Sapphire Reserve®, you cannot pool your rewards.
Instead, you can choose from standard cash back redemption options. This includes cash back in the form of a check, statement credits, merchandise, gift cards, or travel through Chase.
Other perks include trip cancellation insurance, primary rental car insurance, roadside assistance, purchase protection, and extended warranty protection.
Who it's best for: The Ink Business Premier® Card is best for business owners who want to maximize cash back.
Pros
- Unlimited 2% cash back on all purchases
- 2.5% cash back on purchases of $5,000 or more
- Lucrative welcome offer
- No foreign transaction fees
- Comes with generous travel insurance protections
Cons
- Cannot combine rewards with Chase travel credit cards
- Annual fee
- No intro APR offer
Southwest® Rapid Rewards® Performance Business Credit Card
The Southwest Rapid Rewards® Performance Business Credit Card is a top choice for business owners who frequently fly Southwest Airlines. It offers generous rewards on Southwest purchases and a range of valuable travel benefits.
Rewards
- 4X points on Southwest purchases
- 3X points on participating hotel and car rental partners
- 2X points on local transit, rideshares, commuting
- 2X points on social media and search engine advertising, as well as internet, cable, and phone services
- 1X points on all other purchases
Annual fee: $199
You can redeem points for Southwest flights, hotel stays, car rentals, gift cards, and more. Plus, there are no blackout dates or seat restrictions when redeeming points for Southwest flights.
This card also comes with four Upgraded Boardings per year, inflight WiFi credits, a Global Entry or TSA PreCheck application fee credit, and no foreign transaction fees. You’ll get 9,000 bonus points for each account anniversary.
Who it’s best for: The Southwest Rapid Rewards Performance Business Credit Card is best suited for business owners who frequently fly Southwest Airlines and can take advantage of the card's high earning rates on Southwest purchases and generous anniversary bonus.
Pros
- High earning rate on Southwest purchases
- Generous anniversary bonus points
- Valuable Southwest-specific perks
Cons
- $199 annual fee
- Limited bonus categories outside of Southwest and partner purchases
- Rewards are mostly focused on Southwest travel
United Club℠ Business Card
The United Club℠ Business Card is a premium airline credit card that offers frequent United fliers various travel benefits, including United Club membership and premier access to travel services. It’s one of the best credit cards for United Airlines.
Rewards
- Earn 2X miles on United purchases
- Earn 1.5X miles on all other purchases
Annual fee: $450
You can redeem miles for United flights, seat upgrades, hotel stays, and more. You can also transfer miles to United's airline and hotel partners.
This card comes with many added perks for United fliers. This includes a United Club membership (a value of up to $650 per year), free first and second checked bags for you and a companion on United flights, and Premier Access travel services (priority check-in, security screening, boarding, and baggage handling). You’ll also get 25% back on United inflight purchases.
This card has an annual fee of $450 and no foreign transaction fees.
Who it’s best for:
The United Club℠ Business Card is best suited for business owners who frequently fly United and can use the United Club membership and premium travel benefits. It's also a good choice for those who want to earn United miles on their business expenses.
Pros
- United Club membership included
- Generous sign-up bonus
- Premier Access travel services
- High flat-rate rewards
- Free checked bags
Cons
- High annual fee
- Limited redemption flexibility
- Limited bonus categories for earning miles
- Rewards are mostly focused on United travel
World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card is a hotel credit card that offers valuable rewards and benefits for business owners who frequently stay at Hyatt properties.
Rewards
- 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
- 2X points on your top three eligible spend categories each quarter (through Dec. 31, 2024), then 2X points on your top two eligible categories each quarter
- 2X on fitness club and gym memberships
- 1X points on all other purchases
Annual fee: $199
You can redeem points for free nights at Hyatt hotels and resorts or transfer points to Hyatt's airline partners. It’s one of the best cards for Hyatt loyalists.
This card has perks like automatic World of Hyatt Discoverist status and no foreign transaction fees. If you spend $50,000 or more in a calendar year, you can earn five tier-qualifying night credits toward your next tier status. You’ll also get $100 in Hyatt credit each anniversary year.
Who it’s best for:
The World of Hyatt Business Credit Card is best suited for business owners who frequently stay at Hyatt properties and can take advantage of the automatic elite status and anniversary credit.
Pros
- Automatic World of Hyatt Discoverist status
- Flexible bonus categories
- $100 annual Hyatt credit
Cons
- $199 annual fee
- Limited redemption options outside of Hyatt
- Relatively low earning rate on non-bonus purchases
IHG One Rewards Premier Business Credit Card
The IHG One Rewards Premier Business Credit Card is an excellent choice for business owners who frequently stay at IHG hotels. It offers top-tier rewards rates at IHG properties and a variety of valuable perks for IHG loyalists.
Rewards
- Up to 26X points at IHG properties (10 points as a cardholder plus 16 points per dollar earned as an IHG One Rewards Club member)
- 5X points on gas, restaurants, and grocery
- 3X points on other purchases
Annual fee: $99
You can redeem points for free nights at IHG properties worldwide and transfer points to IHG airline partners. Added perks include automatic IHG Rewards Platinum Elite status, Global Entry, TSA PreCheck, or NEXUS application fee credit, and a 20% discount on IHG point purchases.
You’ll also get a Free Night Award worth up to 40,000 points each account anniversary and a Fourth Reward Night when you redeem points for any stay of four or more nights.
Who it’s best for:
The IHG One Rewards Premier Business Credit Card is best suited for business owners who frequently stay at IHG properties and can take advantage of the card's high earning rates at IHG hotels, automatic elite status, and anniversary free night award.
Pros
- High earning rate at IHG properties
- Valuable IHG-specific perks like automatic elite status
- Anniversary Free Night Award
Cons
- Limited redemption options outside of IHG
- 10x bonus points limited to IHG purchases
- $99 annual fee
Comparing the best Chase business cards
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How to choose the right Chase business credit card
The best Chase business credit cards all have their own perks. But, different cards can work better for businesses with different goals. To choose the right Chase business card for your company, consider the following factors:
- Assess your business spending habits: Look at your company's expense categories and identify where you spend the most. This will help you determine which card's reward structure best aligns with your spending.
- Consider the types of rewards most valuable to your company: Decide whether cash back, travel rewards, or a combination of both would be most beneficial for your business. Most Chase business credit cards offer cash back only, whereas the Ink Business Preferred® Credit Card lets you redeem rewards for premium travel redemptions like point transfers.
- Evaluate annual fees vs. benefits: Weigh the annual fees of each card against the rewards and perks they offer to determine if the benefits outweigh the costs.
For example, a company with high travel expenses may prioritize a card like the Ink Business Preferred® Credit Card, which offers 3X points on travel and a 25% bonus when redeeming for travel through Chase Ultimate Rewards®.
On the other hand, a local business that spends a lot on office supplies may prefer the Ink Business Cash® Credit Card, which offers 5% cash back in those categories.
Tips for maximizing your Chase business credit card
Maximizing rewards can be a breeze with the right Chase business card, but there are moves you can make to elevate your rewards even further.
- Strategically use cards for specific purchase categories: If you opt for a Chase business card with bonus rewards in specific categories, you can increase your rewards over time by keeping track of those categories and using your card for bonus rewards purchases whenever you can.
- Pair more than one Chase card: Consider pairing multiple Chase credit cards (both business and consumer) to earn more rewards on all your spending. Chase lets you combine rewards from all your accounts (besides the Ink Business Premier® Credit Card) in one place.
- Utilize employee cards to boost rewards: After getting your Chase business credit card, get employee cards for people who work for you. Not only are employee cards free, but they can also help you track spending and earn more rewards on business expenses.
Alternatives to Chase business cards
One area where Chase falls short is in the premium business travel card market.
While the Ink Business Preferred® Credit Card does let you transfer your points to Chase airline and hotel partners, it doesn't come with luxury travel benefits like annual travel credits or airport lounge access. Suppose you're looking for a business credit card with these premium perks for travel. You may want to check out the Capital One Venture X Business or the Business Platinum Card® from American Express instead.
Some other top options include:
- American Express® Business Gold Card: This card offers 4x points on your top two spending categories each month (from a list of six) and a 25% bonus when using points to book travel through Amex.
- Capital One Spark® Cash for Business: Offers unlimited 2% cash back on all purchases and a generous sign-up bonus.
- Brex Card for Startups: This card offers tailored rewards based on your company's industry and spending habits. There's no personal guarantee or credit check required.
When comparing these alternatives to Chase business cards, consider rewards rates, annual fees, and additional perks to determine which card best suits your company's needs.
How we rated the best Chase Business cards
To determine the best business credit cards from Chase, we evaluated each card's sign-up bonus, rewards earning rates on purchases, added perks and benefits, annual fees, and overall value.
Our team analyzed numerous credit card offers and selected the top contenders based on these key criteria. The options on this list represent the best value, rewards, and benefits available. Read more about our methodology here.
Frequently asked questions about Chase business cards
What is the difference between a business credit card and a personal credit card?
Business credit cards are designed for business expenses and often offer rewards and perks tailored to common business spending categories. They also typically require a personal guarantee from the business owner.
Can I use a Chase business credit card for personal expenses?
While it's possible to use a business credit card for personal expenses, it's not recommended. Mixing personal and business expenses can make it difficult to track business spending and may complicate your company's taxes.
How do I qualify for a Chase business credit card?
To qualify for a Chase business credit card, you'll typically need good to excellent credit (a FICO score of 690 or higher) and a valid business (even if it's a sole proprietorship). Some cards may have additional requirements, such as minimum annual revenue or time in business.
Can I have multiple Chase business credit cards?
Yes, you can have multiple Chase business credit cards as long as you meet the eligibility requirements for each card. However, remember that Chase has a 5/24 rule, which means you may not be approved if you've opened five or more credit cards (from any issuer) in the past 24 months.
The bottom line
The best Chase business credit cards offer something for every type of business owner, whether they want to maximize cash back rewards on all their spending or want to earn flexible rewards for travel. Chase also lets users combine rewards with most of their cards in a single account, which makes redeeming much more convenient.
To find the best Chase business credit card for your company, assess your spending habits, consider the types of rewards most valuable to your business, and evaluate each card's annual fee against its benefits. By choosing the card that best aligns with your company's goals, you can ensure that you're getting the most value.
Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.