Best Chase Business Credit Cards of December 2020

Best Chase Business Credit Cards of December 2020

Discover the best Chase business cards for travel, office supply purchases and more.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

One of the largest consumer credit issuers, Chase also offers a portfolio of business cards that cater to companies with various needs. We took a look at all of the business credit cards issued by Chase, in addition to some great alternatives if you want to compare cards from different banks. Below are our top picks for Chase business credit cards.

Recommended CardsBest ForCredit NeededAnnual Fee
Ink Business Cash® Credit Card
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/2999.jpg","name":"Ink Business Cash® Credit Card"}
Ink Business Cash® Credit CardMost peopleExcellent$0
Apply Now
  • On Chase's Secure Website
{"color":"primary","disclaimers":["On Chase's Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/80?url=_best-chase-business-credit-card","name":"Ink Business Cash® Credit Card"}
Ink Business Unlimited® Credit Card
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/3596.png","name":"Ink Business Unlimited® Credit Card"}
Ink Business Unlimited® Credit CardFlat-rate cash backExcellent/Good$0
Apply Now
  • On Chase's Secure Website
{"color":"primary","disclaimers":["On Chase's Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/1156?url=_best-chase-business-credit-card","name":"Ink Business Unlimited® Credit Card"}
Ink Business Preferred℠ Credit Card
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/2998.jpg","name":"Ink Business Preferred℠ Credit Card"}
Ink Business Preferred℠ Credit CardTravelExcellent$95
Apply Now
  • On Chase's Secure Website
{"color":"primary","disclaimers":["On Chase's Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/1112?url=_best-chase-business-credit-card","name":"Ink Business Preferred℠ Credit Card"}
on_current="true" style="alternate" align="left center center" widths="20% 40% 40%" Recommended Cards | <<< | <<< _
Ink Business Cash&reg; Credit Card
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/2999.jpg","name":"Ink Business Cash® Credit Card"}
|Ink Business Cash® Credit Card|
Apply Now
  • On Chase's Secure Website
{"color":"primary","disclaimers":["On Chase's Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/80?url=_best-chase-business-credit-card","name":"Ink Business Cash® Credit Card"}
_
Ink Business Unlimited&reg; Credit Card
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/3596.png","name":"Ink Business Unlimited® Credit Card"}
|Ink Business Unlimited® Credit Card |
Apply Now
  • On Chase's Secure Website
{"color":"primary","disclaimers":["On Chase's Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/1156?url=_best-chase-business-credit-card","name":"Ink Business Unlimited® Credit Card"}
_
Ink Business Preferred&#8480; Credit Card
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/2998.jpg","name":"Ink Business Preferred℠ Credit Card"}
|Ink Business Preferred℠ Credit Card |
Apply Now
  • On Chase's Secure Website
{"color":"primary","disclaimers":["On Chase's Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/1112?url=_best-chase-business-credit-card","name":"Ink Business Preferred℠ Credit Card"}

Continue reading for a detailed look at the benefits and features of each card. You can also head to our credit card comparison tool at the bottom of the page to see which of the business cards we recommended work best for your company's budget.

Best Chase Business Credit Card for Most People

Ink Business Cash&reg; Credit Card

  • On Chase's Secure Website

$0

13.24% - 19.24% Variable

Excellent

  • Earn $750 bonus cash back after you spend $7,500 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
{"annualFee":"$0","apr":"13.24% - 19.24% Variable","bannerDisclaimers":["On Chase's Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening\u003C\/li\u003E\u003Cli\u003EEarn 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\u003C\/li\u003E\u003Cli\u003EEarn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year\u003C\/li\u003E\u003Cli\u003EEarn 1% cash back on all other card purchases with no limit to the amount you can earn\u003C\/li\u003E\u003Cli\u003E0% introductory APR for 12 months on purchases\u003C\/li\u003E\u003Cli\u003EEmployee cards at no additional cost\u003C\/li\u003E\u003Cli\u003ENo Annual Fee\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"StarRating--root\"\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/2999.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/80?url=_best-chase-business-credit-card","name":"Ink Business Cash® Credit Card"}

Our Thoughts on the Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a great card for business owners with predictable expenses. Cardholders 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 card purchases with no limit to the amount you can earn. There's a $0 annual fee on the card, but the rewards on both of these categories is capped at $25,000.

Best for Businesses with Moderate Expenses

Because rewards on both of the bonus categories are capped at $25,000 on annual purchases, this card works best for businesses with low to moderate expenses. After you hit the caps, you'll earn 1% cash back on everything. If your business spends more than $25,000 a year in those categories, you'll be better off with a card that has a higher rewards limit, like the American Express® Business Gold Card, or a flat-rate cash back card with no limit, like the Ink Business Unlimited® Credit Card.

Travel and Purchase Coverage

The Ink Business Cash® Credit Card also comes with the built-in benefit of travel and purchase coverage. For example, if you forgo the rental car company's collision insurance and charge the entire purchase to your card, you'll be eligible for an auto rental collision damage waiver. You'll also benefit from travel and emergency assistance services, roadside dispatch, purchase protection and extended warranty protection.

Best Chase Business Credit Card for Flat-Rate Cash Back

Ink Business Unlimited&reg; Credit Card

  • On Chase's Secure Website

$0

13.24% - 19.24% Variable

Excellent/Good

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
{"annualFee":"$0","apr":"13.24% - 19.24% Variable","bannerDisclaimers":["On Chase's Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent\/Good","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening\u003C\/li\u003E\u003Cli\u003EEarn unlimited 1.5% cash back on every purchase made for your business\u003C\/li\u003E\u003Cli\u003E0% introductory APR for 12 months on purchases\u003C\/li\u003E\u003Cli\u003EEmployee cards at no additional cost\u003C\/li\u003E\u003Cli\u003ENo Annual Fee\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"StarRating--root\"\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/3596.png","isUnavailable":false,"link":"\/credit-cards\/redirect\/1156?url=_best-chase-business-credit-card","name":"Ink Business Unlimited® Credit Card"}

Our Thoughts on the Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card is a great option if your business has unpredictable expenses. It lets you Earn unlimited 1.5% cash back on every purchase made for your business, so you don't have to worry about maximizing rewards in specific spending categories. Like the Ink Business Cash® Credit Card, it also comes with the added benefit of travel and purchase coverage.

Unlimited 1.5% Cash Back

Similar to the consumer version of this card, the Chase Freedom Unlimited®, the Ink Business Unlimited® Credit Card lets you Earn unlimited 1.5% cash back on every purchase made for your business with no cap. This card is best for business owners who have expenses across a wide variety of categories and won't be able to take advantage of the bonus categories on the Ink Business Unlimited® Credit Card or Ink Business Preferred℠ Credit Card. The Ink Business Unlimited® Credit Card is also a great backup card to use once you max out the bonus categories on the Ink Business Unlimited® Credit Card.

Payment Flexibility with 0% Intro APR

Both the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card come with a 0% Intro APR on Purchases for 12 months (then 13.24% - 19.24% Variable). This is great if your business has limited cash flow and you need to make a large purchase. It's advisable to pay off the purchase before the introductory period expires, however, to avoid paying any interest charges.

Best Chase Business Credit Card for Travel

Ink Business Preferred&#8480; Credit Card

  • On Chase's Secure Website

$95

15.99%-20.99% Variable

Excellent

  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $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—with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
{"annualFee":"$95","apr":"15.99%-20.99% Variable","bannerDisclaimers":["On Chase's Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003ENew Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003EEarn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year\u003C\/li\u003E\u003Cli\u003EEarn 1 point per $1 on all other purchases\u2014with no limit to the amount you can earn\u003C\/li\u003E\u003Cli\u003EPoints are worth 25% more when you redeem for travel through Chase Ultimate Rewards\u003C\/li\u003E\u003Cli\u003ERedeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open\u003C\/li\u003E\u003Cli\u003ENo foreign transaction fees\u003C\/li\u003E\u003Cli\u003EEmployee cards at no additional cost\u003C\/li\u003E\u003Cli\u003E$95 Annual Fee\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"StarRating--root\"\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star-half-o\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star-o\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/2998.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/1112?url=_best-chase-business-credit-card","name":"Ink Business Preferred℠ Credit Card"}

Our Thoughts on the Ink Business Preferred℠ Credit Card

The Ink Business Preferred℠ Credit Card is one of the best business credit cards for travel. For an annual fee of $95, you'll Earn 3 points per $1 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. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. The rewards in these bonus categories are capped at $150,000 on combined purchases per year.

Part of the Chase Ultimate Rewards Program

One of the best features of the Ink Business Preferred℠ Credit Card is that it's part of the Chase Ultimate Rewards program. This means points you earn through spending can be redeemed for travel or transferred to a number of Chase's travel partners. Plus, because this card is designed for travel, since it comes with $0 foreign transaction fees.

Points Bonus When You Redeem for Travel

Another perk of the Ink Business Preferred℠ Credit Card is that you'll get a 25% points bonus when you redeem your points for travel through the Chase Ultimate Rewards portal. This means the sign-up bonus is worth $1,000 when redeemed for travel.

Alternatives to Chase Business Credit Cards

For comparison, we've outlined some business cards below that are excellent alternatives to the Chase cards we've recommended. You can also take a look at our list of best business credit cards.

A Premium Card for Luxury Travel

Our Thoughts on The Business Platinum Card® from American Express

If you prefer a card that focuses on perks rather points, The Business Platinum Card® from American Express is a great choice for you. It comes with an expensive annual fee of $595 (See Rates & Fees) in exchange for a host of travel and business benefits like lounge access.

Travel Credits and Business Perks

The most attractive features of The Business Platinum Card® from American Express are the benefits and perks it offers. These include one year of Platinum Global Access from WeWork, a Global Entry fee credit, a $200 airline fee credit, a $200 annual Dell statement credit and membership to the American Express Global Lounge Collection. You'll also get automatic Marriott Gold Elite Status and Hilton Honors Gold Status.

Worth the Annual Fee for High Spenders

Despite the high annual fee, The Business Platinum Card® from American Express is excellent for business owners who value luxury perks. The Amex Global Lounge Collection perk alone gives you access to more than 1,200 airport lounges across 130 countries. Plus, you'll get 50% more points on purchases of $5,000 or more, and you'll get and 35% of your points back when you use your points for flights.

For rates and fees of The Business Platinum Card® from American Express, please click here.

A Flat-Rate Cash Back Option with an Annual Fee

Our Thoughts on the Capital One Spark Cash for Business

The Capital One Spark Cash for Business has a higher rewards rate than the Ink Business Unlimited® Credit Card, but it also comes with an annual fee of $0 intro for first year; $95 after that. If you have expenses that exceed $20,000 annually, then the Capital One Spark Cash for Business will be more worth it for you. Otherwise, you're better off with the no-fee 1.5% back Ink Business Unlimited® Credit Card.

2% Flat-Rate Cash Back

The Capital One Spark Cash for Business earns 2% Cash Back for your business on every purchase, everywhere with no cap. This is great for businesses that have high expenses in varied categories. For business with predictable expenses in areas like travel, office supplies and online advertising, the Ink Business Cash® Credit Card and Ink Business Preferred℠ Credit Card are better options.

Rich Rewards That Adjust to Your Spending

Our Thoughts on the American Express® Business Gold Card

The American Express® Business Gold Card is one of the most rewarding business credit cards available. Cardholders Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*. The bonus categories adjust each month based on your spending, so you'll automatically earn 4X points in the areas where you spend the most. The 4 points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.

Earn Valuable Membership Rewards Points

The American Express® Business Gold Card is great for businesses with travel expenses because it earns valuable Membership Rewards points. These points can be redeemed for travel on the American Express portal or transferred to one of Amex's travel partners.

For rates and fees of the American Express® Business Gold Card, please click here.

The information related to the Ink Business Preferred℠ Credit Card, Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Yowana is a former product analyst at ValuePenguin, specializing in credit cards, rewards programs and travel. He previously covered mortgages, banking and insurance for the website. Yowana graduated from Columbia University with a B.A. in Political Science.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).