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6 Best Chase Business Credit Cards of May 2025

Written by

Randa Kriss

Edited by

Ryan Lane

Last updated on April 1, 2025

Fact checked and reviewed
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Chase business credit cards offer a little bit of everything. Our favorites include the
Ink Business Unlimited® Credit Card
and
Ink Business Preferred® Credit Card
, plus Chase's high-limit charge card and co-branded options with Hyatt, United and Southwest for frequent travelers.
Chase business credit cards offer a little bit of everything. Our favorites include the
Ink Business Unlimited® Credit Card
and
Ink Business Preferred® Credit Card
, plus Chase's high-limit charge card and co-branded options with Hyatt, United and Southwest for frequent travelers.

Find the right credit card for your business

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Here are the best Chase business credit cards

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Here are the best Chase business credit cards

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Best of awards Nerdwallet's badge2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9 

Best for Flat-rate cash back

Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$750
Apply now

on Chase's website

Rates & Fees

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Flat-rate cash back

4.9 
Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$750
Apply now

on Chase's website

Rates & Fees

Ink Business Cash® Credit Card

4.6 

Best for Cash back in bonus categories

Annual fee
$0
Rewards rate
1%-5%

Cashback

Intro offer
$350
Apply now

on Chase's website

Rates & Fees

Ink Business Cash® Credit Card

Best for Cash back in bonus categories

4.6 
Annual fee
$0
Rewards rate
1%-5%

Cashback

Intro offer
$350
Apply now

on Chase's website

Rates & Fees

Ink Business Preferred® Credit Card

4.8 

Best for Travel rewards

Annual fee
$95
Rewards rate
1x-3x

Points

Intro offer
90,000

Points

Apply now

on Chase's website

Rates & Fees

Ink Business Preferred® Credit Card

Best for Travel rewards

4.8 
Annual fee
$95
Rewards rate
1x-3x

Points

Intro offer
90,000

Points

Apply now

on Chase's website

Rates & Fees

The New United℠ Business Card

4.9 

Best for Airline miles

Annual fee
$150
Rewards rate
1x-2x

Miles

Intro offer
125,000

Miles

Apply now

on Chase's website

Rates & Fees

The New United℠ Business Card

Best for Airline miles

4.9 
Annual fee
$150
Rewards rate
1x-2x

Miles

Intro offer
125,000

Miles

Apply now

on Chase's website

Rates & Fees

Ink Business Premier® Credit Card

4.7 

Best for Cash back on big purchases

Annual fee
$195
Rewards rate
2%-5%

Cashback

Intro offer
$1,000
Apply now

on Chase's website

Rates & Fees

Ink Business Premier® Credit Card

Best for Cash back on big purchases

4.7 
Annual fee
$195
Rewards rate
2%-5%

Cashback

Intro offer
$1,000
Apply now

on Chase's website

Rates & Fees

Southwest® Rapid Rewards® Performance Business Credit Card

4.9 

Best for Southwest frequent fliers

Annual fee
$199
Rewards rate
1x-4x

Points

Intro offer
80,000

Points

Apply now

on Chase's website

Rates & Fees

Southwest® Rapid Rewards® Performance Business Credit Card

Best for Southwest frequent fliers

4.9 
Annual fee
$199
Rewards rate
1x-4x

Points

Intro offer
80,000

Points

Apply now

on Chase's website

Rates & Fees

Other business credit cards from Chase

  • Southwest® Rapid Rewards® Premier Business Credit Card
    .
    This is a less expensive version of the issuer's
    Southwest® Rapid Rewards® Performance Business Credit Card
    , with an annual fee of $
    99
    instead of $
    199
    . While it doesn't come with all the perks of the Performance card, it does earn enough points to make it worthwhile for Southwest fans.
  • United Club℠ Business Card
    .
    This card is a star if you crave unlimited United lounge access and the ability to check multiple bags for free, but the annual fee packs quite a wallop — especially compared to the far less expensive
    The New United℠ Business Card
    ($
    695
    vs. $
    150
    ).

How to maximize your Chase business credit card rewards

To get the highest rewards rate on the largest number of purchases possible, consider opening the
Ink Business Cash® Credit Card
, the
Ink Business Preferred® Credit Card
and the
Ink Business Unlimited® Credit Card
(a Chase trifecta) and stacking purchases in the following ways:
  • Office supply stores: 
    • Use the Ink Cash (5% cash back) until you hit the combined annual $25,000 spending cap across the 5% bonus categories. 
    • Switch to the Ink Unlimited (1.5% cash back) for all remaining purchases.
  • Travel:
    • Use the Ink Preferred (3 points per $1 spent) until you hit the combined annual $150,000 spending cap across all the bonus categories. 
    • Switch to the Ink Unlimited (1.5% cash back) for all remaining purchases.
  • Internet, phone and cable services: 
    • Use the Ink Cash (5% cash back) until you hit the combined $25,000 annual spending cap across the 5% bonus categories. 
    • Switch to the Ink Preferred (3 points per $1 spent) until you hit its combined annual spending cap of $150,000 across all bonus categories. 
    • Switch to the Ink Unlimited (1.5% cash back) for all remaining purchases).
  • Shipping: 
    • Use the Ink Preferred (3 points per $1 spent) until you hit the combined annual $150,000 spending cap across all bonus categories. 
    • Switch to the Ink Unlimited (1.5% cash back) for all remaining purchases.
  • Online advertising: 
    • Use the Ink Preferred (3 points per $1 spent) until you hit the combined annual $150,000 spending cap across all bonus categories. 
    • Switch to the Ink Unlimited (1.5% cash back) for all remaining purchases).
  • Gas: 
    • Use the Ink Cash (2% cash back) until you hit the combined annual $25,000 spending cap across the 2% bonus categories. 
    • Switch to the Ink Unlimited (1.5% cash back) for all remaining purchases.
  • Restaurants: 
    • Use the Ink Cash (2% cash back) until you hit the combined annual $25,000 spending cap across the 2% bonus categories. 
    • Switch to the Ink Unlimited (1.5% cash back) for all remaining purchases.
  • All other purchases: 
    • Use the Ink Unlimited (1.5% cash back).
Note that annual spending caps are based on your account anniversary, not the calendar year.
Rewards come in the form of Chase Ultimate Rewards® points. You can redeem points as cash back at a value of 1 cent per point. But if you like to redeem points for travel, taking two additional steps can get you more value from your Chase trifecta:
  1. Transfer all of your points from the Ink Cash and Ink Unlimited to the Ink Preferred.
  2. Use your Ink Preferred points to book travel through the Chase Travel portal. That card gets you a higher rewards rate when making reservations — 1.25 cents per point.
By transferring your points to the Ink Preferred, for instance, 10,000 points would allow you to book $125 worth of travel. If you leave them on the Ink Cash or Ink Unlimited, they’d only be worth $100.
You can also transfer Chase Ultimate Rewards® points to your preferred airline and hotel partners, some of which can result in even higher rewards rates.
If you plan to stack cards, you’ll likely want to stagger when you open them. Chase’s so-called “5/24 rule” means the issuer won’t approve you for a new card if you’ve had five other approvals in the previous 24 months (and the new card counts toward that tally). Beyond that, getting one card at a time may make it easier to earn sign-up bonuses — each of these cards offers one — and let you take advantage of the individual 0% APR intro periods offered by the Cash and Unlimited cards.
View rates and fees of
Capital One Venture X Business
.
Information related to the
United Club℠ Business Card
and the
Southwest® Rapid Rewards® Premier Business Credit Card
has been collected by NerdWallet and has not been reviewed or provided by the issuer of these cards.
Last updated on April 1, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.

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Best Small Business Credit Card 2025
Ink Business Unlimited℠ Credit Card
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Best small-business credit card

Ink Business Unlimited® Credit Card

Apply now

on Chase's website