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Chase is a consumer credit card powerhouse but is equally dominant in its business credit card offerings. Whether you’re refereeing soccer on the weekends for a few extra dollars or running a major software sales business, there’s a Chase business credit card that can darf eliver a bounty of benefits to your business.
A financial relationship with Chase can be a valuable asset that can benefit your business long-term, so the decision to secure a Chase business credit card shouldn’t be taken lightly. Managing your credit wisely with Chase can reap rewards far into the future.
With the potential for ongoing value as a foundation, join us as we look at a few key Chase business cards delivering cash-back, travel rewards, and other benefits any business owner can appreciate.
The 4 Best Chase Ink Business Credit Cards in 2023
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100,000 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.
100,000 points
$2,000
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
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.
First, you’ll earn 3 points per dollar spenton the first $150,000 spent in combined purchases on your most common business expenses, including travel. You’ll also earn 3x points for common business expenses such as cable, shipping, internet, phone, and advertising. That makes it easy to accumulate points quickly, redeem for travel to offset business travel expenses, or even fund a family vacation.
If you take advantage of the ongoing value of the additional 25% when redeeming points for travel through Ultimate Rewards, you can potentially offset the annual fee, and that’s before taking into account the numerous other benefits such as cell phone protection.
We’ve also written frequently about the many ways that you can use Chase Ultimate Rewards for maximum value.
2. Ink Business Cash Card (No Annual Fee, LOW Intro APR)
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
$900
$900
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros
Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Travel insurance and purchase protection
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
No annual fee
Cons
Spending caps in bonus categories
Low points earning outside of bonus categories
3% foreign transaction fees
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
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Small businesses just starting out can always use more cash, so having a business credit card that earns cash-back on every business expense can be a real plus.
The Ink Business Cash card rewards generously for common business purchases. With 5% cash backon the first $25,000 spent in combined purchasesat office supply stores and on internet, cable, and phone services, your earnings can add up quickly and be invested directly back into the business.
Restaurant and gas station spending earns 2% cash-back (on the first $25,000 spent in combined purchases), so if your business requires road travel, the Ink Business Cash card could be a good fit. We found many valuable benefits of the Ink Business Cash card.
3. Ink Business Unlimited Card (No Annual Fee, LOW Intro APR)
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$900
$900
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
Earn flexible rewards
Cons
3% foreign transaction fee
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
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The busy business owner who doesn’t want to be bothered keeping track of bonus categories and quarterly promotions will enjoy the simplicity of the no-annual-fee Ink Business Unlimited card. Every purchase earns an unlimited 1.5% cash-back that could be invested directly back into your business.
Also, if your business has a large purchase, or purchases, coming up, the 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, could save you money when repaying the amount back over time without interest charges.
4. Ink Business Premier Card (Best for Cash Back and High Spend)
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.
$1,000
$195
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Chase has introduced the Ink Business Premier℠ Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Pros
Earn 2.5% total cash-back on purchases of $5,000 or more
Earn 2% cash-back on all other business purchases
Unlimited 5% total cash-back on travel purchased through Chase Ultimate Rewards
No foreign transaction fees
Trip cancellation and trip interruption insurance
No additional cost for employee cards
Cell phone protection
Primary rental car coverage
Purchase protection
Extended warranty coverage
Cons
$195 annual fee
Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
Rewards cannot be pooled with Chase cards that offer access to transfer partners
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.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
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.
We love the Ink Business Premier card if you’re a business owner that has large-item purchases month to month.
You’ll earn 2.5% cash-back on every purchase of $5,000 or more and 2% cash-back on all other purchases. You’ll also earn 5% cash-back on travel purchased through Chase Ultimate Rewards. Keep in mind that this is strictly a cash-back card and its rewards cannot be transferred to airline or hotel partners.
This card also has no preset spending limit, which helps high-spending business owners.
Additional Benefits of Chase Business Credit Cards
All of these excellent Chase business credit cards come with the option to secure credit cards for your employees at no additional cost. These additional cards enable you to keep track of their spending and earn even more cash-back or travel rewards on business expenses you’d otherwise reimburse.
Bottom Line: Having multiple Chase business credit cards allows you to receive the maximum value for your rewards. You can do this because Chase cash-back business cards earn Ultimate Rewards points that can be redeemed for cash or transferred to a premium Chase credit card for increased redemption value through the Ultimate Rewards travel portal.
The 2 Best Chase Partner-brandedBusiness Credit Cards in 2023
If your business involves travel, you’re sure to benefit from these Chase partner-branded business credit cards that earn points or miles you can use to offset your business travel expenses or fund a personal vacation.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
50,000 miles
$600
$99
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit Recommended (670-850)
The United Business card is a compelling option for traveling business owners that are also frequent United flyers. Not only will the card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.
Pros
2x miles per $1 on United purchases
2x miles per $1 on dining
2x miles per $1 at gas stations and office supply stores, and on local transit and commuting
1x mile per $1 all other purchases
Free checked bag
2 United Club 1-time passes each year
25% back on United inflight purchases
Complimentary Premier Upgrades
Priority boarding
$100 United Annual Travel Credit after you make 7 United flight travel-related purchases, each totaling $100 or more, with your card
5,000 anniversary bonus miles when you have the United Business card and a personal United credit card
Employee cards at no added cost
Earn 500 PQPs towards United status for every $12,000 you spend on your United Business card (up to 1,000 PQP in a calendar year).
Travel and purchase protections
Cons
Doesn’t earn transferable rewards
Other United cards are more rewarding for United purchases
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.
Just the savings from not having to pay for a checked bag may offset the annual fee, and the rewards travel earned from the welcome offer just adds to the value of securing the card.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
80,000 points
$1,040
$199
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Southwest Rapid Rewards® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. It helps you earn more points on all of your business expenses, offers upgraded boarding certificates and Wi-Fi credits, and helps you reach higher levels of Southwest elite status.
Pros
4x points per $1 spent on Southwest purchases
3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases
2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services
2x points per $1 spent on local transit and commuting, including rideshare services
9,000 bonus points each year after your cardmember anniversary
Up to 365 inflight Wi-Fi credits per year
4 Upgraded Boarding certificates per year
Earn 1,500 tier qualifying points towards Southwest status for every $10,000 spent on the card
Up to a $500 fee credit for points transfers when you use your card to transfer points to another Southwest Rapid Rewards member
Employee cards at no additional cost
Global Entry/TSA PreCheck/NEXUS credit
No foreign transaction fees
Lost luggage reimbursement
Baggage delay insurance
Extended warranty protection
Purchase protection
Cons
$199 annual fee
Doesn’t earn transferable rewards
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.
The card earns 4x points on Southwest purchases, 3x points on Rapid Rewards hotel and car partners, and 2x points on rideshare, social media and search engine ads, internet, cable, and phone services.
The card comes with 4 Upgraded Boardings for Southwest flights and Global Entry, TSA PreCheck, or NEXUS fee statement credit. Plus, you’ll receive 9,000 bonus points after the card’s anniversary.
Bottom Line: A partner-branded Chase business credit card is a good choice if you frequent that brand; otherwise, select a business credit card that rewards all travel purchases and offers favorable redemption values on travel, such as the Ink Business Preferred card.
Why Do I Need a Business Credit Card?
Definition of a Small Business
The IRS is the most reliable source for determining what constitutes a business, so we’ll use its definition of whether you have a legitimate business that could potentially qualify for a business credit card.
According to the IRS, “Generally, an activity qualifies as a business if it is carried on with the reasonable expectation of earning a profit.”
Even if your business activity is small, it can still qualify as a business as long as it has “the reasonable expectation of earning a profit.” Whether the credit card issuer will approve you is another matter. Your personal credit will play a significant role in getting approved, you can still qualify with little or no initial business income.
Bottom Line: No matter how small your business, you may still be approved for a business credit card if your personal credit history is strong.
Top 5 Reasons You Should Have a Business Credit Card
Keep Personal and Business Expenses Separate: Separating expenses is the primary reason to have a business card.
Cleaner Records: Business credit cards offer annual statements and tracking tools that make record-keeping easier.
Employee Spending: Chase business cards provide free employee cards that help you keep track of employee purchases.
Rewards: A rewards-earning business credit card brings more value back into your business in the form of cash-back, free travel, or benefits and perks.
Cash Flow: In months of low revenue, a business credit card can help temporarily bridge the gap until cash flow improves.
This unwritten rule, confirmed by data points from actual credit card applicants, refers to Chase’s practice of not approving certain new Chase credit cards for applicants who have opened 5 or more total credit cards from any issuer in the past 24 months.
Before you complete the Chase business credit card application, you’ll want to be prepared and gather the necessary information in advance:
The legalname of your business, if it has one (if not, use your personal name)
Your business entity type (sole proprietor, partnership, S corporation, or limited liability company)
Tax ID number or your Social Security number if you don’t have an Employer Identification Number
The number of years you’ve been in business
Estimated business income and total personal income (you can put zero for business income if the business is new)
Business address, even if it’s your personal address
Business phone number
Category of business plus the business type and sub-type (for example, business category: professional; business type: accounting; business sub-type: tax preparation)
The number of employees
Possible additional personal information
Know Your Credit Score
Your personal credit plays a huge role in whether you’ll qualify for a business credit card, so you should know your credit score before applying for a Chase business credit card.
Essential Tips for Completing the Chase Business Credit Card Application
Don’t wing it. Chase is discerning when it comes to issuing credit, so take the application seriously and be as accurate as possible.
Print a copy of the application. If for any reason your application is not approved, or Chase requests more information, you might need to speak with a representative. You’ll want to have all of the information in front of you during the conversation.
Document the offer you’re applying for. Take a simple screenshot of the credit card offer for your records. For example, if you’re applying for an 80,000-point welcome bonus for spending $5,000 in the first 3 months after card approval and the points don’t show up, you’ll have documentation of the offer.
You may want to apply in person. If you have a current business relationship with Chase, you should leverage that relationship by applying in person at your local branch.
Complete the application in full. Don’t leave any spaces blank. If the information does not apply to your business, write “N/A.”
You may not receive an immediate decision once you apply, as your application may require manual review. Here’s how to handle each possibility.
Denied: Call the business credit card reconsideration line. You may be able to move around credit limits from other cards and get approved, or you may be able to provide additional information that changes the decision.
Pending: It doesn’t hurt to call, as there might be information needed to facilitate approval.
Approved: Once you’re approved, the clock starts ticking. You will have limited time to complete the spending required to receive your welcome bonus. Once you receive your card (usually in 7 to 10 business days) you can call and confirm your offer and the cut-off date for your welcome bonus spending.
Final Thoughts
With Chase’s diverse portfolio of card offerings, it’s possible to select a combination of Chase business cards that rewards all of your business spending.
You’ll want to make sure you’re considering Chase’s 5/24 rule during the process, and also include one of its premium cards in the mix to gain additional redemption value for your Ultimate Rewards points through the travel portal.
Business credit cards allow you to pay for your business expenses with the card, which keeps them separate from your personal expenses. When you apply for a business credit card, you’ll still be using your personal credit history to qualify because you’ll be personally responsible for any charges on the card.
How much income does my business need to qualify for a business credit card?
Your business does not need to have a substantial amount of income to apply for a business credit card. Your personal credit history and income will play a large role in whether you get approved. When you apply for the card, you’ll be asked about your business income, but you’ll also need to provide your personal information, as you’ll be personally responsible for paying for any charges incurred.
How many Chase business cards can I have?
There is not a specific limit for the number of Chase business cards you can have. Chase will consider the amount of total credit you have with Chase, your credit history and income, and other factors it deems pertinent to determine whether to approve you for a specific card. We do know that you can only be approved for 2 Chase credit cards within a 30-day period and the Chase 5/24 rule can come into play regarding the number and types of cards you’re approved for.
Are Chase business cards hard to get?
Chase is not the easiest credit card issuer for approvals, so you’ll want to be sure to fill out your application completely, accurately, and be prepared to discuss your business with a representative if necessary. The effort it may take to secure Chase business cards is worth it, however, as Chase can be a valuable asset to your business in the long run.
Can I use my Chase business credit card for personal expenses?
Technically, you can use your Chase business card for a personal expense. However, it is not recommended. One of the primary reasons to secure a business credit card is to keep business and personal expenses separate. Also, there can be confusion at tax time as you try to determine which expenses on the card were personal and which were business.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
