When you have a small business, the right credit card can be a great financial tool. The good news is that when choosing among the best business credit cards, you have plenty of options. Chase business cards provide opportunities for you to establish credit and earn rewards. Here’s what you need to know as you compare credit cards to find the best one for you.
What Chase business credit cards are available?
To help you find the right card for you, we’ve put together a list of the best Chase credit cards for business:
|Ink Business Unlimited® Credit Card||
|Ink Business Cash® Credit Card||
|Ink Business Preferred® Credit Card||
|Ink Business Premier℠ Credit Card||
|United℠ Business Card||
||$99 (waived first year)|
|United Club℠ Business Card||
|Southwest® Rapid Rewards® Premier Business Credit Card||
|Southwest® Rapid Rewards® Performance Business Credit Card||
|World of Hyatt Business Credit Card||
Choosing the Chase business card that’s right for you
When choosing between the Chase business credit cards available, take into account your business spending habits, what features would help your business, and what rewards and redemption options will be most useful to you.
Here are some other things to consider before you decide if a Chase business card is a good fit for you.
Ink Business Unlimited® Credit Card
Best for: Business owners who want a simple cash back rewards credit card to earn cash back on routine spending.
Overview: If you don’t want to worry about keeping track of business categories, the Ink Business Unlimited card may be for you.
It allows you to earn Unlimited 1.5% cash back on every purchase. With no annual fees, the card offers robust benefits as well, particularly when it comes to shopping and travel, including:
- Free employee cards: You can get additional credit cards for employees at no additional cost.
- Purchase protection: Get coverage on eligible new purchases for 120 days against damage or theft with Chase purchase protection, up to $10,000 per claim and $50,000 per account.
- Extended warranty: Extends the warranty on eligible items by an additional year.
Learn more in our Ink Business Unlimited review.
Ink Business Cash® Credit Card
Best for: Business owners who spend big on utility bills and office supplies.
Overview: The Ink Business Cash card allows you to earn a higher rate of return on select purchases.
You’ll 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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases. This card also offers 5% total cash back on qualifying Lyft rides.
There’s no annual fee, and you can redeem your points for cash back, statement credits, gift cards, and other options through the Chase Ultimate Rewards program.
If you travel for business, the card offers other perks, such as:
- Auto rental collision damage waiver: Decline the rental company’s insurance and use your card to pay for the rental to get primary coverage against theft or damage when renting for business purposes.
- Travel and emergency assistance: Call the benefit administrator to get help with medical or legal referrals while traveling.
- Roadside dispatch: If you have a roadside emergency, you can get 24/7 help with problems like a flat tire or a dead battery.
Learn more in our Ink Business Cash review.
Ink Business Preferred® Credit Card
Best for: Business owners who spend a substantial amount of money on travel, shipping, and internet advertising.
Overview: With the Ink Business Preferred card, you’ll earn 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases.
Redeem your points for travel through the Chase Ultimate Rewards portal, and your points will be worth 25% more, stretching your dollars further.
There is a $95 annual fee, but that cost can be easily offset by its rewards. Even better, the card has no foreign transaction fees, making it a good choice for international business travelers. Other standout perks include:
- Cell phone protection: If your cell phone is damaged or stolen, you could get up to $600 per claim after meeting a $100 deductible. Employees on your company phone plan are also eligible.
- Trip cancellation or interruption insurance: If illness, weather, or other eligible scenarios delay your business trip or cancel it entirely, you could be reimbursed for non-refundable travel costs.
Learn more in our Ink Business Preferred review.
Ink Business Premier℠ Credit Card
Best for: Business owners who often make single large purchases or often use the Chase travel portal.
Overview: The Ink Business Premier card enables you to earn 5% cash back on travel purchased through Chase Ultimate Rewards; unlimited 2.5% cash back on purchases of $5,000 or more; unlimited 2% cash back on all other business purchases.
This card has a $195 annual fee, which makes this card less appealing than other Chase Ink cards. On the bright side, this card has no foreign transaction fees so you don't have to worry about making purchases abroad. You can also enjoy:
Learn more in our Ink Business Premier review.
United℠ Business Card
Best for: Those who travel often and prefer to fly with United Airlines.
Overview: The United Business Card allows you to earn 2X miles on United Airlines purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else. There are no foreign transaction fees, so it’s a great card to use if you’re traveling overseas.
While those rewards are already beneficial, the card offers other travel benefits that provide its real value, such as:
- Priority boarding: You’ll be able to board the plane — and access valuable carry-on space — before the general public.
- Free first checked bag: Your first checked bag is free on each leg of your trip.
- United Club passes: Each year, you’ll get two United Club one-time passes so you can enjoy complimentary beverages, snacks, workspaces, and WiFi at the airport.
- Travel credits: Each year, cardholders who make seven United flight purchases of $100 or more receive a $100 United travel credit.
Learn more in our United Business Card review.
United Club℠ Business Card
Best for: Those who are looking for premium travel benefits and prefer to fly with United.
Overview: The United Club Business Card allows you to earn 2X miles on United Airlines purchases, plus 1.5X miles on all other purchases. There are no foreign transaction fees, so it’s a great card to use if you’re traveling overseas.
While those rewards are already beneficial, the card offers other benefits that provide its real value, such as:
- United Club membership: You have access to United Club lounges and affiliated lounges.
- Free checked bags: The first two checked bags are free for the cardholder and a traveling companion on the same reservation.
Learn more in our United Club Business Card review.
Southwest® Rapid Rewards® Premier Business Credit Card
Best for: Budget-conscious business travelers who prefer to fly with Southwest.
Overview: With the Southwest Rapid Rewards Premier Business card, you’ll earn 3X points on Southwest Airlines purchases, 2X points on rideshare and Rapid Rewards hotel and car rental partners, plus 1X points on all other purchases.
Though it has a $99 annual fee, it offers a 60,000 point sign-up bonus when you spend $3,000 within the first 3 months that can help offset the fee. Plus, you’ll earn 6,000 bonus points each account anniversary year.
Even without this Chase business card, all Southwest passengers can check up to two bags for free and will face no fees to change a flight. However, the card does offer some nice travel perks — there are no foreign transaction fees and you’ll also get access to valuable benefits like:
- Lost luggage reimbursement: If your luggage is lost or damaged by the carrier, you’ll get up to $3,000 in coverage.
- Baggage delay insurance: If your bags are delayed by over six hours, you’ll get coverage for up to $100 a day for essentials like toiletries and clothes.
Learn more in this Southwest Rapid Rewards Premier Business card review.
Southwest® Rapid Rewards® Performance Business Credit Card
Best for: Budget-conscious business travelers who want additional perks when they fly with Southwest.
Overview: With the Southwest Rapid Rewards Performance Business card, you’ll earn 4X points on Southwest purchases; 3X points on Rapid Rewards hotel and car rental partners; 2X on rideshare, social media and search engine advertising, internet, cable, and phone services; and 1X points on all other purchases.
It has a $199 annual fee and it offers an 80,000 point sign-up bonus when you spend $5,000 within the first 3 months. You'll also earn 9,000 bonus points each year for your cardmember anniversary.
This card also offers:
- Global Entry/TSA PreCheck: Every four years, you can receive a statement credit of up to $100 as an application fee reimbursement when you pay for Global Entry or TSA PreCheck with your card.
- In-flight Wi-Fi credits: You receive up to 365 $8 Wi-Fi credits when you pay for in-flight Wi-Fi using your card.
Learn more in this Southwest Rapid Rewards Performance Business card review.
World of Hyatt Business Credit Card
Best for: Business owners who travel frequently and prefer Hyatt properties.
Overview: With the World of Hyatt Business card, you’ll earn 9X points at Hyatt hotels (4 bonus points plus 5 base points as a World of Hyatt member); 2X points on your top three spend categories each quarter (through 12/31/24, then your top two categories each quarter); 2X points on fitness club and gym memberships; and 1X points on all other purchases.
It has a $199 annual fee and new cardholders can earn 60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening.
This credit card offers:
- World of Hyatt Discoverist status: This status includes preferred room upgrades when available, premium internet, and elite check-in.
- Travel protections: This card includes an auto rental collision damage waiver, travel and emergency assistance, and trip cancellation and interruption insurance.
Learn more in this World of Hyatt Business card review.
Choosing a Chase business credit card
Which card is the best Chase business credit card for you? Consider your needs and preferences.
1. Which Chase business credit card is the best?
There’s no one right answer to this question. In the end, this depends on the goals and needs of your business.
If you spend a lot in certain categories, then the Ink Business Cash® Credit Card or Ink Business Preferred® Credit Card might make the most sense since they have bonus categories.
If you often make large business purchases, you may enjoy the earning rate of the Chase Ink Business Premier Credit Card.
If you prefer Ultimate Rewards points and travel a lot for business, the Ink Business Preferred® Credit Card might make more sense.
For those that want to earn cash back on business purchases, the Ink Business Cash® Credit Card could be a good choice.
Do you need a 0% APR offer? The Ink Business Unlimited® Credit Card could be the better choice, especially since it also offers cash rewards. Your goals will determine which Chase business card is best for you.
2. How many Chase business cards can I have?
You can apply for as many Chase business cards as you want, but you might not be approved. That's up to Chase as the credit card issuer. Chase is notorious for its 5/24 rule, an informal guideline that reduces the chances that you’ll be approved for a Chase card if you’ve signed up for five new credit card accounts within the last 24 months.
3. What’s the difference between a business credit card and business charge card?
In general, a credit card has a pre-set spending limit and the ability to carry a balance from month to month. You pay an interest charge as a result of your ability to maintain a line of credit.
A charge card, on the other hand, generally doesn’t have a pre-set spending limit. However, you’re usually required to pay the balance in full each month or face a late penalty. With a charge card, you don’t normally have to worry about interest because you’re paying the balance in full.
4. Are there non-Ink Chase business cards available?
If you don’t want a Chase Ink business card, you have other options. If you’re particularly loyal to one airline for business travel, you can turn to one of these other options.
||United℠ Business Card||Southwest® Rapid Rewards® Premier Business Credit Card|
|Best for||Those who fly United||Those who fly Southwest|
|Welcome offer||Earn 50,000 bonus miles after spending $5,000 on purchases in the first 3 months||Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open|
|Rewards||2X miles on United Airlines purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else||3X points on Southwest Airlines purchases, 2X points on rideshare and Rapid Rewards hotel and car rental partners, plus 1X points on all other purchases|
|Annual fee||$99 (waived first year)||$99|
Applying for a Chase business credit card
As you apply for a Chase business card, you’ll have to provide information and jump through some hoops. Here’s what you need to know.
5. Are Chase business cards hard to get?
It depends on your situation. If you already have several Chase accounts or if you don’t have good credit, they can be hard to get. It can be difficult to get any business credit card with no credit.
6. How do I get approved for a Chase business card and how long does it take?
Any small business credit card application requires you to provide information about your business and even your personal financial information, as your personal credit score will be considered.
In many cases, you can be approved in minutes, if you meet the requirements. However, in some cases, it might take several days. If you've recently applied for any of the Chase credit cards, learn how to check your Chase credit card application status.
7. Do Chase business cards get reported to my personal credit?
While your personal credit score is used when applying for small business credit cards, they might not be reported on your personal credit report. Chase business cards are not usually reported on your personal report.
8. Which credit bureau does Chase use for business credit cards?
Which credit bureau Chase uses depends on your state of residence. The company uses all three bureaus but is most likely to favor Experian.
9. Can anyone be approved for a Chase business card?
In general, you should have some sort of separate business, even if it’s a sole proprietorship and you use Schedule C to deduct your expenses. You don’t need a separate EIN (Employer Identification Number). The IRS considers small businesses those that have assets of less than $10 million.
10. How much income does my business need to be generating in order to qualify for a business credit card?
As long as you have business expenses, there is no minimum revenue requirement for small business cards.
11. Do Chase business cards count toward 5/24?
Because they aren’t reported on your personal report, Chase business cards might not count toward 5/24; however, you’re still subject to the rule and need to be under 5/24 in order to be approved. That being said, there’s no true guarantee.
12. What is the average credit card limit for Chase business cards?
Your credit limit will be based on the information in your application and in your credit report. In general, though, you can expect many business credit cards to have limits of at least $15,000, although some might have lower limits.
13. How should I fill out my application for a Chase business card?
After you’ve compared your options, you can fill out a small business credit card application with the most accurate information you have available. If you don’t have an EIN, you can use your Social Security number in its place.
14. How can I check on my Chase business card application status?
When you fill out your application, you’ll create an account, so you can log in to see the status of your card approval. You can also call 1-888-269-8690 to access the automated system.
Once you have a Chase business credit card
Now that you have a Chase business card, it’s time to use the card to your advantage. Here are the answers to common questions cardmembers have.
15. How do I activate my Chase business card?
When your new card arrives in the mail, you can simply log into your account to verify the receipt of your card and make sure it’s activated.
16. How can I add business cards to my Chase account?
You can’t actually add your business card profiles to your personal profile. Instead, if you want to see your business and personal profiles in one place, you need to log into your business profile, go to the “Add Accounts” page, and enter your personal account profile number; you’ll then be able to see both profiles together.
17. Can I use my Chase business credit card for personal expenses?
While there’s technically nothing stopping you from using a business credit card for personal expenses, it’s generally not a good practice. It’s best practice to keep business and personal expenses apart, so try to only use your Chase business cards for business costs.
18. Are employee cards free or is there a fee?
You can add Chase employee cards for free.
19. How much control over employee spending will I have with a Chase business card?
Not only can you earn rewards on every purchase made by employees but you can also limit their spending. Chase allows you to set individual employee spending limits, so you have a large degree of control.
20. Can I get alerts for employee cards connected to my Chase business card?
Yes, you can choose to receive alerts for employee cards connected to your account. Employees are considered authorized users.
21. How do I contact customer service for my Chase business card?
You can use the Secure Message Center to send a message from your Chase account after you sign in. It’s also possible for you to call 1-800-242-7338 anytime to speak with someone about your account.
If you’re looking for a business credit card, Chase’s selections give you plenty of options. Its credit cards offer valuable rewards and benefits — particularly when it comes to shopping and travel protections — there’s likely a card that fits your needs.
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Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening
3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases