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.While Chase offers some of the best business credit cards on the market, other standouts may be a better fit if you want to cash in on luxury travel perks or need a cash-back card with no foreign transaction fees.
Best for: Travel perks
The
Capital One Venture X Business
earns 2
X miles on all purchases and includes lux travel benefits like lounge access and annual travel credits, making it a great alternative to the Ink Business Preferred® Credit Card
for business travelers who want a little something extra. Those perks plus the Venture X Business's massive welcome offer easily offset the card's $395
annual fee. (See rates and fees.)
» MORE: Best business travel cards
Our pick for: No foreign transaction fees
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: Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from 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.)
ALSO CONSIDER: Best AmEx business cards || Best Capital One business cards || Best U.S. Bank business cards
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.
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.While Chase offers some of the best business credit cards on the market, other standouts may be a better fit if you want to cash in on luxury travel perks or need a cash-back card with no foreign transaction fees.
Best for: Travel perks
The
Capital One Venture X Business
earns 2
X miles on all purchases and includes lux travel benefits like lounge access and annual travel credits, making it a great alternative to the Ink Business Preferred® Credit Card
for business travelers who want a little something extra. Those perks plus the Venture X Business's massive welcome offer easily offset the card's $395
annual fee. (See rates and fees.)» MORE: Best business travel cards
Our pick for: No foreign transaction fees
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: Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from 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.)ALSO CONSIDER: Best AmEx business cards || Best Capital One business cards || Best U.S. Bank business cards
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.
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Here are the best Chase business credit cards
Here are the best Chase business credit cards
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2025 BEST CREDIT CARD SMALL BUSINESSAnnual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
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
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Ink Business Cash® Credit Card
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
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ink Business Preferred® Credit Card
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
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x
Miles
Intro offer
75,000 Miles + 2,000 PQP
Miles
Apply now
on Chase's website
Rates & Fees
Pros
- Free checked bag
- New cardholder bonus offer
- 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
Best for Airline miles
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x
Miles
Intro offer
75,000 Miles + 2,000 PQP
Miles
Apply now
on Chase's website
Rates & Fees
Pros
- Free checked bag
- New cardholder bonus offer
- 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
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Ink Business Premier® Credit Card
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
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
60,000 Points + Explorist status
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High rewards rate
- Automatic elite status
- Points have a high redemption value
- Annual Hyatt travel credit
Cons
- No free anniversary night
- Rewards have limited flexibility
World of Hyatt Business Credit Card
Best for Hotel business credit card
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
60,000 Points + Explorist status
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High rewards rate
- Automatic elite status
- Points have a high redemption value
- Annual Hyatt travel credit
Cons
- No free anniversary night
- Rewards have limited flexibility
IHG One Rewards Premier Business Credit Card
Best for Hotel business credit card (sign-up bonus + free nights)
Annual fee
$99
Rewards rate
3x-26x
Points
Intro offer
140,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Free night reward on cardholder anniversary
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
- Has annual fee
- Rewards have limited flexibility
- Low point redemption value
IHG One Rewards Premier Business Credit Card
Best for Hotel business credit card (sign-up bonus + free nights)
Annual fee
$99
Rewards rate
3x-26x
Points
Intro offer
140,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Free night reward on cardholder anniversary
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
- Has annual fee
- Rewards have limited flexibility
- Low point redemption value
Annual fee
$199
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
Southwest® Rapid Rewards® Performance Business Credit Card
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
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
- Southwest® Rapid Rewards® Premier Business Credit Card. This is a less expensive version of the issuer'sSouthwest® Rapid Rewards® Performance Business Credit Card, with an annual fee of $99instead 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 expensiveThe New United℠ Business Card($695vs. $150).
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 — 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 May 8, 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.
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.
