Best Chase Business Credit Cards of 2026
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.
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Flat-rate cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$1,000
Apply now on Chase's website
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Ink Business Cash® Credit Card
Best for Cash back in bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$1,000
Highest Offer Ever
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 Preferred® Credit Card
Best for Travel rewards
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- Excellent welcome offer
- Strong bonus categories for everyday business spending
- Can pool points with other Chase cards
- Low annual fee for the value delivered
- Primary rental car insurance
Cons
- No lounge access or travel credits
- Non-bonus spending earns just 1X
- $150,000 annual cap on bonus category spend
- Can’t issue virtual cards to employees
Sapphire Reserve for Business℠
Best for Premium business travel
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
200,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
United℠ Business Card
Best for Airline miles
Annual fee
$150
Rewards rate
1x-2x
Miles
Intro offer
Up to 110,000 Miles + 2,000 PQP
Miles
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
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
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
World of Hyatt Business Credit Card
Best for Hotel business credit card
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
70,000
Points
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
Southwest® Rapid Rewards® Performance Business Credit Card
Best for Southwest frequent fliers
Annual fee
$299
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
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
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Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Flat-rate cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$1,000
on Chase's website
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
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 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
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 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Ink Business Cash® Credit Card
Best for Cash back in bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$1,000
Highest Offer Ever
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
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 $1,000 when you spend $8,000 on purchases in the first four months after account opening
- Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
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
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 $1,000 when you spend $8,000 on purchases in the first four months after account opening
- Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
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 Preferred® Credit Card
Best for Travel rewards
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- Excellent welcome offer
- Strong bonus categories for everyday business spending
- Can pool points with other Chase cards
- Low annual fee for the value delivered
- Primary rental car insurance
Cons
- No lounge access or travel credits
- Non-bonus spending earns just 1X
- $150,000 annual cap on bonus category spend
- Can’t issue virtual cards to employees
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 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- Excellent welcome offer
- Strong bonus categories for everyday business spending
- Can pool points with other Chase cards
- Low annual fee for the value delivered
- Primary rental car insurance
Cons
- No lounge access or travel credits
- Non-bonus spending earns just 1X
- $150,000 annual cap on bonus category spend
- Can’t issue virtual cards to employees
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 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- Excellent welcome offer
- Strong bonus categories for everyday business spending
- Can pool points with other Chase cards
- Low annual fee for the value delivered
- Primary rental car insurance
Cons
- No lounge access or travel credits
- Non-bonus spending earns just 1X
- $150,000 annual cap on bonus category spend
- Can’t issue virtual cards to employees
Sapphire Reserve for Business℠
Best for Premium business travel
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
200,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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 access more than $7,000 in total business and travel value in your first year.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- 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.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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 access more than $7,000 in total business and travel value in your first year.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- 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.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
United℠ Business Card
Best for Airline miles
Annual fee
$150
Rewards rate
1x-2x
Miles
Intro offer
Up to 110,000 Miles + 2,000 PQP
Miles
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
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 up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- NEW! 8x total miles on eligible United flights.
- 2x miles on all other eligible United® purchases. 2x miles on 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 $200 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
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
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 up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- NEW! 8x total miles on eligible United flights.
- 2x miles on all other eligible United® purchases. 2x miles on 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 $200 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
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
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
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
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, Hotel Indigo® Hotels & Holiday Inn®
- Member FDIC
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
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, Hotel Indigo® Hotels & Holiday Inn®
- Member FDIC
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
World of Hyatt Business Credit Card
Best for Hotel business credit card
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
70,000
Points
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
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.
- 70,000 Bonus Points after you spend $7,000 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
- Member FDIC
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
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.
- 70,000 Bonus Points after you spend $7,000 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
- Member FDIC
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
Southwest® Rapid Rewards® Performance Business Credit Card
Best for Southwest frequent fliers
Annual fee
$299
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
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
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 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 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- Member FDIC
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
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 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 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- Member FDIC
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
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Other business credit cards from Chase
How to maximize your Chase business credit card rewards
When to choose a non-Chase business card
Other business credit cards from Chase
- 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 $149 instead of $299. 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 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.
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- 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.
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- 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).
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- 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.
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- 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).
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- 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.
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- All other purchases:
- Use the Ink Unlimited (1.5% cash back).
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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.
🧾 Important product update
Business owners who prefer to cash out rewards for personal use, take note. Effective March 27, 2026, Chase Ink, Sapphire and Freedom cardholders can no longer transfer cash-back rewards to an outside bank account — a move Chase says is aimed at reducing fraud and scams. The bank had been one of the only major issuers to allow such transfers.
You can still redeem rewards in several ways: as a cash deposit to an eligible Chase bank account, as a statement credit or toward travel booked through Chase. You can also use points for gift cards, shopping and experiences, though redemption values vary.
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.
Best for: Travel perks
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 .) 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 Rating
4.8
Annual Fee
$395
on Capital One's website
» 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%-5% for the Ink Unlimited and has an equally competitive welcome offer: Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 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 .)
NerdWallet Rating
4.7
Bonus Amount Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 within 3 months of account opening.
$1000
on Capital One's website
» ALSO CONSIDER: Best AmEx business cards || Best Capital One business cards || Best U.S. Bank business cards
View of Capital One Venture X Business.
View of Capital One Spark Cash.
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.
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 writers and editors monitor more than 70 business credit cards to select the best options 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).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.