Chase business credit cards offer a little bit of everything. Our favorites include the Ink suite of business cards, plus Chase's co-branded options with Hyatt, United and Southwest for frequent travelers.
Senior Writer & Content Strategist | Small business, business banking, business loans
Randa Kriss is a senior writer and NerdWallet authority on small business. She has nearly a decade of experience in digital content. Prior to joining NerdWallet in 2020, Randa worked as a writer at Fundera, covering a wide variety of small-business topics and specializing in the lending and banking spaces. Her work has been featured by The Washington Post, The Associated Press and Nasdaq, among others. Randa earned a bachelor's degree in English and Spanish at Iona University (formerly Iona College).
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
Senior Writer & Content Strategist | Small business, business banking, business loans
Randa Kriss is a senior writer and NerdWallet authority on small business. She has nearly a decade of experience in digital content. Prior to joining NerdWallet in 2020, Randa worked as a writer at Fundera, covering a wide variety of small-business topics and specializing in the lending and banking spaces. Her work has been featured by The Washington Post, The Associated Press and Nasdaq, among others. Randa earned a bachelor's degree in English and Spanish at Iona University (formerly Iona College).
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
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.
Earn $750 bonus cash back after you spend $6,000 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.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
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.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 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®.
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.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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
Round-the-clock monitoring for unusual credit card purchases
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 more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Annual bonus award and travel credit (terms apply)
Cons
Rewards have limited flexibility
Does not include automatic elite status
No statement credit for trusted traveler programs
The New 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 and offers a variety of travel perks along with a decent sign-up bonus.
Earn 75,000 bonus miles and 2,000 PQP 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 $150.
2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile 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.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
Purchases that don't qualify for Flex for Business must be paid in full every month
This business charge card pays you more for big purchases: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠. (There's a big welcome bonus, too.)
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Elite status, a generous welcome bonus and annual statement credits make this a solid card for business travelers who frequent Hyatt properties. Plus, Hyatt points are worth more than any other hotel rewards card, so any points you earn go even further.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
Has annual fee
Rewards have limited flexibility
Low point redemption value
A stellar welcome offer, elite status and an annual free night benefit are just a few of the travel perks offered by this co-branded hotel business card. If you frequent IHG properties like Holiday Inn, Crowne Plaza, Kimpton and Intercontinental, this card is a winner.
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
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. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business cardmember
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC
Southwest® Rapid Rewards® Performance Business Credit Card
Statement credit for Global Entry, TSA PreCheck® or NEXUS
New cardholder bonus offer
Cons
Rewards have limited flexibility
Does not include lounge access
While it charges a higher annual fee than Chase's other Southwest business credit card, the Southwest® Rapid Rewards® Performance Business Credit Card repays users with more rewards — including more points on Southwest purchases (4X), a bigger sign-up bonus and more anniversary points. Plus, you'll get reimbursed for up to four upgraded boardings, in-flight Wi-Fi and Global Entry or TSA Precheck.
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
9,000 bonus points after your Cardmember anniversary.
Earn 4X pts on Southwest® purchases.
Earn 3X points on Rapid Rewards® hotel and car rental partners.
Earn 2X points on rideshare.
Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
Airport lounge access for primary cardholder and guests
Cons
High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month
Chase added this card to its lineup in June 2025. Its annual fee makes it the issuer's most expensive business card by far. But its premium travel perks may make the card worth your while. Those include access to more than 1,300 airport lounges, credits for trusted traveler programs and sky-high rewards rates on flights and hotels (especially if you book through Chase).
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
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.
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.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 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®.
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.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 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®.
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.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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
Round-the-clock monitoring for unusual credit card purchases
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 more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
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.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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
Round-the-clock monitoring for unusual credit card purchases
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 more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Annual bonus award and travel credit (terms apply)
Cons
Rewards have limited flexibility
Does not include automatic elite status
No statement credit for trusted traveler programs
The New 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 and offers a variety of travel perks along with a decent sign-up bonus.
Earn 75,000 bonus miles and 2,000 PQP 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 $150.
2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile 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.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
Annual bonus award and travel credit (terms apply)
Cons
Rewards have limited flexibility
Does not include automatic elite status
No statement credit for trusted traveler programs
The New 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 and offers a variety of travel perks along with a decent sign-up bonus.
Earn 75,000 bonus miles and 2,000 PQP 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 $150.
2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile 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.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
Purchases that don't qualify for Flex for Business must be paid in full every month
This business charge card pays you more for big purchases: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠. (There's a big welcome bonus, too.)
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Purchases that don't qualify for Flex for Business must be paid in full every month
This business charge card pays you more for big purchases: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠. (There's a big welcome bonus, too.)
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Elite status, a generous welcome bonus and annual statement credits make this a solid card for business travelers who frequent Hyatt properties. Plus, Hyatt points are worth more than any other hotel rewards card, so any points you earn go even further.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Elite status, a generous welcome bonus and annual statement credits make this a solid card for business travelers who frequent Hyatt properties. Plus, Hyatt points are worth more than any other hotel rewards card, so any points you earn go even further.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
Has annual fee
Rewards have limited flexibility
Low point redemption value
A stellar welcome offer, elite status and an annual free night benefit are just a few of the travel perks offered by this co-branded hotel business card. If you frequent IHG properties like Holiday Inn, Crowne Plaza, Kimpton and Intercontinental, this card is a winner.
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
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. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business cardmember
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
Has annual fee
Rewards have limited flexibility
Low point redemption value
A stellar welcome offer, elite status and an annual free night benefit are just a few of the travel perks offered by this co-branded hotel business card. If you frequent IHG properties like Holiday Inn, Crowne Plaza, Kimpton and Intercontinental, this card is a winner.
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
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. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business cardmember
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Statement credit for Global Entry, TSA PreCheck® or NEXUS
New cardholder bonus offer
Cons
Rewards have limited flexibility
Does not include lounge access
While it charges a higher annual fee than Chase's other Southwest business credit card, the Southwest® Rapid Rewards® Performance Business Credit Card repays users with more rewards — including more points on Southwest purchases (4X), a bigger sign-up bonus and more anniversary points. Plus, you'll get reimbursed for up to four upgraded boardings, in-flight Wi-Fi and Global Entry or TSA Precheck.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
New cardholder bonus offer
Cons
Rewards have limited flexibility
Does not include lounge access
While it charges a higher annual fee than Chase's other Southwest business credit card, the Southwest® Rapid Rewards® Performance Business Credit Card repays users with more rewards — including more points on Southwest purchases (4X), a bigger sign-up bonus and more anniversary points. Plus, you'll get reimbursed for up to four upgraded boardings, in-flight Wi-Fi and Global Entry or TSA Precheck.
Airport lounge access for primary cardholder and guests
Cons
High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month
Chase added this card to its lineup in June 2025. Its annual fee makes it the issuer's most expensive business card by far. But its premium travel perks may make the card worth your while. Those include access to more than 1,300 airport lounges, credits for trusted traveler programs and sky-high rewards rates on flights and hotels (especially if you book through Chase).
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Airport lounge access for primary cardholder and guests
Cons
High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month
Chase added this card to its lineup in June 2025. Its annual fee makes it the issuer's most expensive business card by far. But its premium travel perks may make the card worth your while. Those include access to more than 1,300 airport lounges, credits for trusted traveler programs and sky-high rewards rates on flights and hotels (especially if you book through Chase).
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
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:
Transfer all of your points from the Ink Cash and Ink Unlimited to the Ink Preferred.
Use your Ink Preferred points to book travel through the Chase Travel portal. That card gets you a higher rewards rate when making reservations.
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.
When to choose a non-Chase business card
While Chase offers some of the best business credit cards on the market, other standouts may be a better fit if you want a less expensive luxury travel card or need a cash-back card with no foreign transaction fees.
The Capital One Venture X Business earns 2X miles on all purchases and includes lux travel benefits like lounge access and annual travel credits. Those perks plus the Venture X Business's massive welcome offer easily offset the card's $395 annual fee. (See rates and fees .) It's a cost-effective alternative to the new Sapphire Reserve for Business℠ for business travelers who don't think they'll use enough of that card's features to offset its much higher annual fee ($795).
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.9
Bonus Amount Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
This newly revived cash-back card is a worthy competitor to the Chase Ink Business Unlimited. The Capital One Spark Cash earns a flat 2% on all purchases vs. 1.5% for the Ink Unlimited and has an equally competitive welcome offer: Double your cash bonus from $750 to $1,500 once you spend $15,000 within 3 months of account opening. But the Spark Cash has no foreign transaction fee, whereas the Ink Unlimited charges 3% of each transaction in U.S. dollars. That difference alone makes the Spark Cash a better cash-back option for companies that travel or purchase inventory overseas. (See rates and fees .)
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.7
Bonus Amount Double your cash bonus from $750 to $1,500 once you spend $15,000 within 3 months of account opening.
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 June 30, 2025
Frequently Asked Questions
You typically need good or excellent personal credit (a FICO score of 690+) to qualify for a Chase business credit card.
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 only reports business credit card activity to consumer credit bureaus if your account is seriously delinquent. So debt on your Chase business credit card will only affect your personal credit score if you consistently fail to make your payments on time.
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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