BEST OF

6 Best Chase Business Credit Cards of February 2023

Jan 26, 2023

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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 credit cards with Hyatt and United, which can be great for frequent travelers.

You need a good personal credit score (690+) to qualify for most Chase business cards. If your score falls below that range, you'll need to look elsewhere as Chase does not offer a secured business card (or secured personal card, for that matter). And there are no options for business owners with fair or average credit.

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. All of our selections are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.

NerdWallet's Best Chase Business Credit Cards of February 2023

Best Chase Business Credit Cards From Our Partners

Our pick for

Flat-rate cash back

Apply now

on Chase's website

Ink Business Unlimited® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5%

Cashback

Intro offer

$900

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.

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 17.49%-23.49% Variable APR.

    You can also access a sizable sign-up bonus: Earn $900 bonus cash back after you spend $6,000 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.

Read full review
  • BEST OFFER EVER: Earn $900 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.

  • 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

Apply now

on Chase's website

Ink Business Cash® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$900

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.

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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.. - 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-23.49% 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.

Read full review
  • BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 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

Apply now

on Chase's website

Ink Business Preferred® Credit Card

5.0

NerdWallet rating 
Apply now

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.

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.

Read full review
  • 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.

Our pick for

Airline business credit card

Apply now

on Chase's website

United℠ Business Card

5.0

NerdWallet rating 
Apply now

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 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 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.

Read full review
  • Earn 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 UnitedSM Business Card and a personal Chase United® credit card.

  • Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at 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.

  • Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.

  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.

Our pick for

Cash back on travel, big purchases

Apply now

on Chase's website

New Business Card! Ink Business Premier℠ Credit Card

4.9

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$195

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Recommended Credit Score

This 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 Ultimate Rewards. (There's a big welcome bonus, too.)

Pros

  • High rewards rate

  • New cardholder bonus offer

  • No foreign transaction fees

Cons

  • Has annual fee

  • Requires good/excellent credit

  • Purchases that don’t qualify for Flex for Business must be paid in full every month

Read full review
  • 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 Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.

  • Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

  • For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.

  • Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.

  • 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.

Our pick for

Hotel business credit card

Apply now

on Chase's website

World of Hyatt Business Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$199

Rewards rate

1x-9x

Points

Intro offer

60,000

Points

Recommended Credit Score

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.

Pros

  • New cardholder bonus offer

  • High rewards rate

  • No foreign transaction fees

  • Automatic elite status

Cons

  • Requires good/excellent credit

  • Has annual fee

  • No intro APR

Read full review
  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

  • 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 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 through 12/31/23, then your top two 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

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 intro APR period for purchases. Learn more and apply.

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 APR period for purchases. Learn more and apply.

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. Learn more and apply.

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.

Our pick for: Cash back on travel, big purchases

Chase's newest business credit 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 Ultimate Rewards. There's also a generous welcome bonus. Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. Learn more and apply.

Our pick for: Hotel business credit card

Business travelers who frequent Hyatt properties will appreciate perks like elite status, credits on Hyatt stays and useful everyday bonus spending categories. Hyatt points are also worth 5x more than those offered by other hotel-branded cards. Learn more and apply.

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

Alternatives to Chase business credit cards

If you’re looking for a higher-rate cash-back card or want a small-business card with luxury travel perks, either of these alternatives could be a good fit.

Capital One Spark Cash Plus

Best for: Flat-rate cash back

If you’re looking for a simple cash back card with a better rate than what the Chase business credit cards offer, consider the Capital One Spark Cash Plus.

This card earns an unlimited 2% cash back on all purchases with no limits or category restrictions. The Capital One Spark Cash Plus includes free employee cards, which also earn an unlimited 2% cash back on all purchases.

This charge card has no foreign transaction fees, plus the following welcome bonus: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. Annual fee: $150.

The Business Platinum Card® from American Express

Best for: Luxury travel perks

The Business Platinum Card® from American Express has a steep annual fee, $695, much higher than any of the Chase business credit cards. If you’re looking for luxury travel perks, however, this card may be worth the cost.

This card earns high rewards on certain travel purchases and includes airport lounge access, elite hotel status, business platinum travel service, among other benefits. It also has an impressive welcome offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Terms Apply.

To view rates and fees of The Business Platinum Card® from American Express, see this page.

Last updated on January 26, 2023

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.

Frequently asked questions