BEST OF
Best Chase Business Credit Cards of May 2021
Chase business credit cards are known for their competitive rewards programs — with options for earning cash back, rewards points and airline miles — plus generous sign-up bonuses. Chase also offers co-branded business cards with Southwest and United, which can be great for frequent travelers.
Unlike some small-business credit card issuers, however, Chase does not provide a secured business card (or secured personal card), and you’ll generally need a good credit score (690+) to qualify.
Below, you’ll find our favorite Chase business credit cards, including everything you need to know to decide if one is right for your small business.
Chase business credit cards are known for their competitive rewards programs — with options for earning cash back, rewards points and airline miles — plus generous sign-up bonuses. Chase also offers co-branded business cards with Southwest and United, which can be great for frequent travelers.
Unlike some small-business credit card issuers, however, Chase does not provide a secured business card (or secured personal card), and you’ll generally need a good credit score (690+) to qualify.
Below, you’ll find our favorite Chase business credit cards, including everything you need to know to decide if one is right for your small business.
Best Chase Business Credit Cards From Our Partners
Our pick for
Flat-rate cash back
on Chase's website
on Chase's website
Annual Fee
$0
Rewards Rate
1.5%
Cashback
Intro offer
$750
Recommended Credit Score
This card offers straightforward, unlimited cash-back rewards and has no annual fee — making it a great option if you don’t want to worry about bonus categories or actively managing your credit card rewards.
Plus, the Ink Business Unlimited® Credit Card has an impressive sign-up bonus and a long intro APR period, which can be useful for small-business owners who want to finance large purchases over that period of time.
This card offers straightforward, unlimited cash-back rewards and has no annual fee — making it a great option if you don’t want to worry about bonus categories or actively managing your credit card rewards.
Plus, the Ink Business Unlimited® Credit Card has an impressive sign-up bonus and a long intro APR period, which can be useful for small-business owners who want to finance large purchases over that period of time.
Pros
You earn an unlimited 1.5% cash back on all purchases made for your small business.
This Chase business credit card has no annual fee and offers a 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR.
You can also access a sizable sign-up bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Cons
If you spend frequently in specific categories, like office supply stores, internet, cable and phone services, and restaurants, an option like the Ink Business Cash® Credit Card may be a better fit for your business.
On the other hand, there are also competitors that offer business credit cards with higher cash-back earning rates — the Capital One Spark Cash for Business, for example, earns a flat-rate 2% cash back on all purchases.
The Ink Business Unlimited® Credit Card also has a 3% foreign transaction fee.
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Our pick for
Cash back in bonus categories
on Chase's website
on Chase's website
Annual Fee
$0
Rewards Rate
1%-5%
Cashback
Intro offer
$750
Recommended Credit Score
The Ink Business Cash® Credit Card offers the ability to earn significant cash back for small businesses that spend frequently in the applicable bonus categories.
Plus, this card has no annual fee, a sizable sign-up bonus and a long intro APR period — which allows you to pay off purchases gradually before your variable APR sets in.
The Ink Business Cash® Credit Card offers the ability to earn significant cash back for small businesses that spend frequently in the applicable bonus categories.
Plus, this card has no annual fee, a sizable sign-up bonus and a long intro APR period — which allows you to pay off purchases gradually before your variable APR sets in.
Pros
With this card, you earn 5% cash back on the first $25,000 in combined spending per account year at office supply stores and on internet, cable and phone services; 2% on the first $25,000 in combined spending per account year at gas stations and restaurants; and an unlimited 1% cash back on all other purchases.
Additional perks: - No annual fee. - Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. - 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR.
Cons
If you don’t spend specifically in these bonus categories, or want a simpler rewards structure, you might want to explore alternatives.
Additionally, the 5% and 2% rewards categories both cap out at $25,000 per account year, which may not be ideal if you do want to make the most of your spending in those categories.
The Ink Business Cash® Credit Card also has a 3% foreign transaction fee.
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Our pick for
Travel rewards and sign-up bonus
on Chase's website
on Chase's website
Annual Fee
$95
Rewards Rate
1x-3x
Points
Intro offer
100,000
Points
Recommended Credit Score
This Chase business credit card offers an impressive sign-up bonus — whether you want to redeem it for travel rewards or cash back.
In addition, this card gives you the ability to earn competitive rewards in business-specific categories, plus, points are worth more when redeemed for travel through Chase.
And, unlike the other Ink business credit cards, the Ink Business Preferred® Credit Card has no foreign transaction fees.
This Chase business credit card offers an impressive sign-up bonus — whether you want to redeem it for travel rewards or cash back.
In addition, this card gives you the ability to earn competitive rewards in business-specific categories, plus, points are worth more when redeemed for travel through Chase.
And, unlike the other Ink business credit cards, the Ink Business Preferred® Credit Card has no foreign transaction fees.
Pros
This card earns 3 points per dollar on the first $150,000 in combined spending per account year on shipping purchases, advertising purchases made with social media sites and search engines, internet, cable and phone services, and travel; plus 1 point per dollar spent on all other purchases.
Your points are also worth 25% more when you redeem them for travel through Chase Ultimate Rewards®.
In addition, the Ink Business Preferred® Credit Card offers an impressive sign-up bonus: Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Cons
The Ink Business Preferred® Credit Card has a $95 annual fee and does not offer a 0% intro APR period, unlike the other cards in the Ink business credit card suite.
Additionally, if you don’t spend frequently in these bonus categories or aren’t looking to redeem your points for travel, you might find that another rewards card, like a cash-back card, may be better suited for your business.
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- $95 Annual Fee
Our pick for
Airline miles
on Chase's website
on Chase's website
Annual Fee
$0 intro for the first year, then $99
Rewards Rate
1x-2x
Miles
Intro offer
75,000
Miles
Recommended Credit Score
The United℠ Business Card allows you to earn United-specific rewards, as well as the ability to earn rewards from spending in business-related categories.
In addition, this card has no foreign transaction fees, waives the annual fee for your first account year (after that, it’s $99) and offers a variety of travel perks along with a decent sign-up bonus.
The United℠ Business Card allows you to earn United-specific rewards, as well as the ability to earn rewards from spending in business-related categories.
In addition, this card has no foreign transaction fees, waives the annual fee for your first account year (after that, it’s $99) and offers a variety of travel perks along with a decent sign-up bonus.
Pros
This co-branded Chase business card earns 2 miles per dollar on United Airlines purchases; 2 miles per dollar on dining at restaurants and eligible delivery services; 2 miles per dollar spent at gas stations, office supply stores and on local transit and commuting; and 1 mile per dollar spent on all other purchases.
The United℠ Business Card also offers no foreign transaction fees and additional travel perks — including your first checked bag free, priority boarding and 25% back on in-flight purchases.
Cons
Annual fee: $0 intro for the first year, then $99.
Travel rewards are also specific to United and are not applicable to other airlines.
If you’re not a frequent flyer of United, you might find that another airline credit card or more general travel rewards card is better suited for your business.
- 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal United credit card.
- Earn 2 miles per $1 spent on United purchases, at restaurants (including eligible delivery services), gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket.
- Enjoy priority boarding privileges and get 2 United Club℠ one-time passes at account opening and each year for your anniversary.
- $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year.
| Credit Card | NerdWallet Rating | Rewards Rate | Intro Offer | Annual Fee | Learn More |
|---|---|---|---|---|---|
Ink Business Unlimited® Credit Card on Chase's website | Best for Flat-rate cash back | 1.5% Cashback | $750 | $0 | on Chase's website |
Ink Business Cash® Credit Card on Chase's website | Best for Cash back in bonus categories | 1%-5% Cashback | $750 | $0 | on Chase's website |
Ink Business Preferred® Credit Card on Chase's website | Best for Travel rewards and sign-up bonus | 1x-3x Points | 100,000 Points | $95 | on Chase's website |
United℠ Business Card on Chase's website | Best for Airline miles | 1x-2x Miles | 75,000 Miles | $0 intro for the first year, then $99 | on Chase's website |
FULL LIST OF EDITORIAL PICKS: BEST CHASE BUSINESS CREDIT CARDS
Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Flat-rate cash back
The Ink Business Unlimited® Credit Card earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an introductory 0% APR period for purchases. Read our review.
Our pick for: Cash back in bonus categories
If your business's spending matches the bonus categories on the Ink Business Cash® Credit Card, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory 0% APR period for purchases. Read our review.
Our pick for: Travel rewards and sign-up bonus
The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.
Our pick for: Airline miles
The United℠ Business Card allows you to earn United-specific rewards, as well as rewards from spending in business-related categories. This card also offers a variety of travel perks and a decent sign-up bonus. Read our review.
Other business cards issued by Chase:
Learn more about these co-branded Chase business credit cards by reading the reviews linked below:
Southwest Airlines Business Credit Cards
Last updated on April 22, 2021
Methodology
NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.
Frequently asked questions
It may be hard to get a Chase business credit card if your personal score is in the fair range or below. Typically, to qualify for a Chase business card, you’ll want to have a good credit score or higher (690+).
You can apply for a Chase business credit card online or by visiting a branch location. If you apply online, you may be able to be approved for your card instantly.
Chase reports business credit card activity to personal, or consumer, credit bureaus only if your account is seriously delinquent.
Therefore, although the personal guarantee you signed when applying holds you responsible for the account, the debt will affect your personal credit score only if you consistently fail to make your payments on time.
