Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Chase business credit cards offer competitive cash-back and travel rewards. But their sign-up bonuses really stand out. In fact, the
Ink Business Unlimited® Credit Card
and Ink Business Preferred® Credit Card
offer what could be the most bang for your buck among the best business credit cards: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Overall, Chase’s business credit cards have generally earned high marks from NerdWallet. Their co-branded cards with Hyatt, United and Southwest may be great for frequent travelers. Plus, Chase’s credit cards are popular for allowing cardholders to combine their credit card points.
However, you’ll 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. And there are no options for business owners with fair or average credit.
All of our picks for the best business credit cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Chase business credit cards offer competitive cash-back and travel rewards. But their sign-up bonuses really stand out. In fact, the
Ink Business Unlimited® Credit Card
and Ink Business Preferred® Credit Card
offer what could be the most bang for your buck among the best business credit cards: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Overall, Chase’s business credit cards have generally earned high marks from NerdWallet. Their co-branded cards with Hyatt, United and Southwest may be great for frequent travelers. Plus, Chase’s credit cards are popular for allowing cardholders to combine their credit card points.
However, you’ll 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. And there are no options for business owners with fair or average credit.
All of our picks for the best business credit cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Here are the best Chase business credit cards from our partners
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Flat-rate cash back + sign-up bonus | $0 | 1.5% Cashback | $900 | Apply now on Chase's website |
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 Best for Cash back in bonus categories + sign-up bonus | $0 | 1%-5% Cashback | $900 | Apply now on Chase's website |
Ink Business Preferred® Credit Card Apply now on Chase's website | 5.0/5 Best for Travel rewards | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
United℠ Business Card Apply now on Chase's website | 5.0/5 Best for Airline miles | $0 intro for the first year, then $99 | 1x-2x Miles | 50,000 Miles | Apply now on Chase's website |
Ink Business Premier℠ Credit Card Apply now on Chase's website | 4.9/5 Best for Cash back on travel, big purchases | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
World of Hyatt Business Credit Card Apply now on Chase's website | 5.0/5 Best for Hotel business credit card | $199 | 1x-9x Points | 60,000 Points | Apply now on Chase's website |
IHG® One Rewards Premier Business Credit Card Apply now on Chase's website | 5.0/5 Best for Hotel business credit card (sign-up bonus + free nights) | $99 | 3x-26x Points | 140,000 Points | Apply now on Chase's website |
Southwest® Rapid Rewards® Premier Business Credit Card Apply now on Chase's website | 4.3/5 Best for Southwest frequent fliers | $99 | 1x-3x Points | 60,000 Points | Apply now on Chase's website |
Southwest® Rapid Rewards® Performance Business Credit Card Apply now on Chase's website | 5.0/5 Best for Southwest fliers who want premium perks | $199 | 1x-4x Points | 80,000 Points | Apply now on Chase's website |
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Flat-rate cash back + sign-up bonus | $0 | 1.5% Cashback | $900 | Apply now on Chase's website |
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 Best for Cash back in bonus categories + sign-up bonus | $0 | 1%-5% Cashback | $900 | Apply now on Chase's website |
Ink Business Preferred® Credit Card Apply now on Chase's website | 5.0/5 Best for Travel rewards | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
United℠ Business Card Apply now on Chase's website | 5.0/5 Best for Airline miles | $0 intro for the first year, then $99 | 1x-2x Miles | 50,000 Miles | Apply now on Chase's website |
Ink Business Premier℠ Credit Card Apply now on Chase's website | 4.9/5 Best for Cash back on travel, big purchases | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
World of Hyatt Business Credit Card Apply now on Chase's website | 5.0/5 Best for Hotel business credit card | $199 | 1x-9x Points | 60,000 Points | Apply now on Chase's website |
IHG® One Rewards Premier Business Credit Card Apply now on Chase's website | 5.0/5 Best for Hotel business credit card (sign-up bonus + free nights) | $99 | 3x-26x Points | 140,000 Points | Apply now on Chase's website |
Southwest® Rapid Rewards® Premier Business Credit Card Apply now on Chase's website | 4.3/5 Best for Southwest frequent fliers | $99 | 1x-3x Points | 60,000 Points | Apply now on Chase's website |
Southwest® Rapid Rewards® Performance Business Credit Card Apply now on Chase's website | 5.0/5 Best for Southwest fliers who want premium perks | $199 | 1x-4x Points | 80,000 Points | Apply now on Chase's website |
I'M INTERESTED IN:
Our pick for
Flat-rate cash back + sign-up bonus
Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
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.Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
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
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- 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.
- 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.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Cash back in bonus categories + sign-up bonus
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
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.
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
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
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
- 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
- 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.
- 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
- Member FDIC
Our pick for
Travel rewards
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
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.Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
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
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- Earn 100k bonus points after you spend $8,000 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
- 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 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.
- Member FDIC
Our pick for
Airline miles
United℠ Business Card
Read Review
Apply now
on Chase's website
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
50,000 Miles
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.
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
50,000 Miles
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
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
- Earn 50,000 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 United℠ 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 Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Our pick for
Cash back on travel, big purchases
Ink Business Premier℠ Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
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.)Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
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
- 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.
- 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.
- Member FDIC
Our pick for
Hotel business credit card
World of Hyatt Business Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$199
Rewards rate
1x-9x Points
Intro offer
60,000 Points
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.
Annual fee
$199
Rewards rate
1x-9x Points
Intro offer
60,000 Points
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
- No free anniversary night
- 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 12/31/24, 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
- Member FDIC
Our pick for
Hotel business credit card (sign-up bonus + free nights)
IHG® One Rewards Premier Business Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$99
Rewards rate
3x-26x Points
Intro offer
140,000 Points
A stellar welcome offer, elite status and an annual free night benefit are just a few of the travel perks offer 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.
Annual fee
$99
Rewards rate
3x-26x Points
Intro offer
140,000 Points
A stellar welcome offer, elite status and an annual free night benefit are just a few of the travel perks offer 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.
Pros
- High rewards rate
- Automatic elite status
- Anniversary perks
- No foreign transaction fee
Cons
- Has annual fee
- Rewards have limited flexibility
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive 4-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 card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 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
Our pick for
Southwest frequent fliers
Southwest® Rapid Rewards® Premier Business Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$99
Rewards rate
1x-3x Points
Intro offer
60,000 Points
The
Southwest® Rapid Rewards® Premier Business Credit Card
gives Southwest loyalists 3X points on their purchases with the airline. You'll get anniversary points every year plus a solid sign-up bonus that gets you about halfway to a Companion Pass.Annual fee
$99
Rewards rate
1x-3x Points
Intro offer
60,000 Points
The
Southwest® Rapid Rewards® Premier Business Credit Card
gives Southwest loyalists 3X points on their purchases with the airline. You'll get anniversary points every year plus a solid sign-up bonus that gets you about halfway to a Companion Pass.Pros
- Anniversary perk
- No reward caps
Cons
- Has annual fee
- Rewards have limited flexibility
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
Our pick for
Southwest fliers who want premium perks
Southwest® Rapid Rewards® Performance Business Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$199
Rewards rate
1x-4x Points
Intro offer
80,000 Points
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.Annual fee
$199
Rewards rate
1x-4x Points
Intro offer
80,000 Points
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.Pros
- High rewards rate
- Anniversary perk
- No reward caps
Cons
- High annual fee
- Rewards have limited flexibility
- 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.
- 4 Upgraded Boardings per year when available.
- Member FDIC
NerdWallet's editorial picks: Best Chase business credit cards
Before applying, confirm details on the issuer’s website.
Ink Business Unlimited® Credit Card
Our pick for: Flat-rate cash back + sign-up bonus
NerdWallet star rating: 5.0
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.Ink Business Cash® Credit Card
Our pick for: Cash back in bonus categories + sign-up bonus
NerdWallet star rating: 5.0
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.Ink Business Preferred® Credit Card
Our pick for: Travel rewards
NerdWallet star rating: 5.0
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 100k bonus points after you spend $8,000 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®.
You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. 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.United℠ Business Card
Our pick for: Airline miles
NerdWallet star rating: 5.0
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.Chase Ink Business Premier
Our pick for: Cash back on travel, large purchases
NerdWallet star rating: 4.9
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.World of Hyatt Business Credit Card
Our pick for: Hotel business credit card
NerdWallet star rating: 5.0
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.
IHG® One Rewards Premier Business Credit Card
Our pick for: Hotel business credit card (sign-up bonus + free nights)
NerdWallet star rating: 5.0
The
IHG® One Rewards Premier Business Credit Card
is a must-have if you frequent hotels under the InterContinental Hotel Group umbrella (Holiday Inn, Crowne Plaza, Kimpton and Intercontinental, to name a few). This card has a killer welcome bonus, a free anniversary night, automatic elite status and a slew of other travel-friendly perks. Learn more and apply.Southwest® Rapid Rewards® Premier Business Credit Card
Our pick for: Southwest frequent fliers
NerdWallet star rating: 4.3
The
Southwest® Rapid Rewards® Premier Business Credit Card
is a solid choice for Southwest loyalists. Instead of cash back, it generates rewards in the form of Southwest points: 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.Southwest® Rapid Rewards® Performance Business Credit Card
Our pick for: Southwest fliers who want premium perks
NerdWallet rating: 5.0
If you're a frequent Southwest flier who wants even more perks, the
Southwest® Rapid Rewards® Performance Business Credit Card
may be a better choice than the Southwest® Rapid Rewards® Premier Business Credit Card
. While its annual fee will run you an extra $100, you'll get meaningfully more rewards: Earn 4 points per $1 spent on Southwest® purchases. Earn 3 points on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 2 points per $1 spent on social media and search engine advertising, internet, cable, and phone services. Earn 1 point per $1 spent on all other purchases.
Plus, it comes with competitive sign-up and anniversary bonuses, also in the form of Southwest points. Learn more and apply. Alternatives to Chase business credit cards
If you want a small-business card with luxury travel perks, there may be better options outside the Chase lineup. And you’ll need to shop around if you have bad or fair credit, too.
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.
Read our review.Our pick for: Business owners with fair credit
The Capital One® Spark® Classic for Business is one of the few business credit cards available to sole proprietors with fair credit. There aren’t many perks to speak of, but the card has no annual fee and can be a useful tool to build your business credit score. Read our review.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
Our pick for: Secured business credit card
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card earns 1.5% cash back on all purchases, with no cap or expiration date on the rewards you earn. The card has a minimum security deposit of $1,000, which is equal to your credit limit and subject to credit approval. Bank of America will periodically review your secured card and may upgrade you to an unsecured card if and when you qualify. This card has no annual fee. Learn more about secured business credit cards.
To view rates and fees of
The Business Platinum Card® from American Express
, see this page.Last updated on November 20, 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
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 reports business credit card activity to personal, or consumer, credit bureaus only if your account is seriously delinquent. So any debt on your Chase business credit card will only affect your personal credit score if you consistently fail to make your payments on time.