If you’re a freelancer or small business owner and don’t have a business credit card, you could be leaving money on the table. A business credit card allows you to earn rewards on your operational expenses and helps you establish your company’s credit history.
However, choosing the best credit card can be overwhelming. That’s especially true when it comes to Chase business credit cards. There are several to choose from, and all offer unique benefits and rewards.
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 cards:
|Ink Business Unlimited||
|Ink Business Cash||
|Ink Business Preferred||
|United Explorer Business||
||$95 (waived first year)|
|Southwest Rapid Rewards Premier Business||
Finding the Chase business card that’s right for you
When choosing between the Chase business credit cards available, take into account your spending habits, what features would help your business, and what rewards 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.
1. Ink Business Unlimited
Best for: Business owners who want a simple rewards credit card to earn cash back on routine spending.
Overview: If you don’t want to worry about keeping track of spending categories, the Ink Business Unlimited card may be for you.
It allows you to earn 1.5% cash back on all spending. 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.
2. Ink Business Cash
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 at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else. This card also offers 5% cash back on each dollar spent on 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.
3. Ink Business Preferred
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 5X points on Lyft rides; 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else.
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.
4. United Explorer Business
Best for: Those who travel often and prefer to fly with United.
Overview: The United Explorer Business card allows you to earn 2X miles per $1 spent at restaurants, gas stations, office supply stores and on United purchases, plus 1X miles per $1 spent 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 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 — a $30 value.
- 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.
5. Southwest Rapid Rewards Premier Business
Best for: Budget-conscious business travelers who prefer to fly with Southwest.
Overview: With the Southwest Rapid Rewards Premier Business card, you’ll earn 2X points on Southwest purchases and 1X points on all other purchases.
Though it has a $99 annual fee, it offers a 60,000 point sign-up bonus that can help offset the fee. Plus, you’ll earn 6,000 bonus points each year for your cardmember anniversary.
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.
If you’re looking for a business credit card, Chase’s selections give you plenty of options. With valuable rewards and benefits — particularly when it comes to shopping and travel protections — there’s likely a card that fits your needs.