8 Best Chase Business Credit Cards of December 2024

• 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

  . The more expensive card packs more than enough extra benefits to offset that difference. But if you want to save some money, the

  Southwest® Rapid Rewards® Premier Business Credit Card

  is a solid enough choice for Southwest loyalists as it earns the following rewards:

  Earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 1 point per $1 spent on all other purchases.

  Plus, the sign-up bonus gets you about halfway to a Companion Pass. Learn more and apply.
• 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 a wallop, especially compared to the less expensive

  United℠ Business Card

  ($

  450

  vs. $

  99

  ). If you're going to shell out that much for a business travel card, there may be better overall options — like

  The Business Platinum Card® from American Express

  below. Learn more and apply.

Capital One Venture X Business

Capital on Tap Business Credit Card

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card

• 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).

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. .