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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.
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
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 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
The Ink Business Unlimited℠ Credit Card is a great option if your business has unpredictable expenses. It 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 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% 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
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, 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
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
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 $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
American Express® Business Gold Card
14.24% - 22.24% Variable
- 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.*
- *Terms Apply
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.
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.
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.