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Best Chase Business Credit Cards of 2019

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

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
Ink Business Cash℠ Credit CardMost peopleGood/Excellent$0
Ink Business Unlimited℠ Credit Card
Ink Business Unlimited℠ Credit CardFlat-rate cash backGood/Excellent$0
Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit CardTravelGood/Excellent$95

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

  • On Chase's Secure Website
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Ink Business Cash℠ Credit Card

  • On Chase's Secure Website
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Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn $500 bonus cash back after you spend $3,000 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 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
  • Earn $500 bonus cash back after you spend $3,000 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 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
Annual Fee
$0
Regular APR
14.99% - 20.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

The Ink Business Cash℠ Credit Card is a great card for business owners with predictable expenses. Cardholders earn 5% back on purchases at office supply stores and on internet, cable and phone service expenses. Plus, you'll earn 2% back at gas stations and restaurants. There's no 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

  • On Chase's Secure Website
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Ink Business Unlimited℠ Credit Card

  • On Chase's Secure Website
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Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn $500 bonus cash back after you spend $3,000 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
  • Earn $500 bonus cash back after you spend $3,000 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
Annual Fee
$0
Regular APR
14.99% - 20.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

The Ink Business Unlimited℠ Credit Card is a great option if your business has unpredictable expenses. It earns 1.5% back on every purchase, 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 earns 1.5% cash back on all purchases 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% introductory APR on purchases for 12 months. 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

  • On Chase's Secure Website
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Ink Business Preferred℠ Credit Card

  • On Chase's Secure Website
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80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening.
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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
Annual Fee
$95
Regular APR
17.74% - 22.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

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 Chase Ultimate Rewards points per dollar spent on travel; shipping purchases; internet, cable and phone services; and advertising purchases made on social media sites and search engines. 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, it comes with zero 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 80,000-point welcome bonus—which you can earn by spending $5,000 on purchases in the first three months—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

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The Business Platinum® Card from American Express

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Welcome Offer: Earn up to 100,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
Annual Fee
$595
Regular APR
N/A
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

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 and a one-year complimentary WeWork pass if you enroll by December 31, 2019.

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

  • On Capital One's Secure Website
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Capital One® Spark® Cash for Business

  • On Capital One's Secure Website
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Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening.
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Annual Fee
$0 intro for first year; $95 after that
Regular APR
18.74% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}

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 ($95, waived the first year). 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 on all purchases 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

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American Express® Business Gold Card

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Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • *Terms Apply
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • *Terms Apply
Annual Fee
$295
Regular APR
15.74% - 23.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

The American Express® Business Gold Card is one of the most rewarding business credit cards available. Cardholders earn 4X Membership Rewards points in two of the following categories: airfare purchased directly from an airline; online, TV or radio advertising in the U.S.; certain software purchases; U.S. gas station purchases; U.S. restaurant purchases; and U.S. shipping purchases. 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.

Compare Chase Business Credit Cards

You can use our card comparison tool to evaluate how each card works for your business's budget and main areas of spending. Browse the options below and click on the gear icon to adjust the spending inputs for each category.

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Yowana Wamala

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.

Comments and Questions

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).