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WalletHub Best Chase Business Credit Cards
WalletHub makes it easy to find the best Chase business credit card.
Chase business credit cards are among the most popular credit cards for small business owners, thanks to uniquely valuable rewards, APR promotions and even low fees. The reputation is justified, too, as most small business owners will find at least one Chase business card among the best overall options for their needs. There are exceptions, of course. Business credit cards from Chase (a WalletHub partner) are only available to applicants with good credit or better.... show more
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Best Chase Business Credit Cards of 2023:
- Ink Business Cash® Credit Card – Best for Cash Back
- Ink Business Preferred® Credit Card – Best for Travel
- Ink Business Unlimited® Credit Card – Best for No Annual Fee
- United℠ Business Card – Best for Airline Miles
- World Of Hyatt Business Credit Card – Best for Hotel Rewards
CHASE BUSINESS CARDS
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- No membership fees
- 0% intro APR on purchases
- $750 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 17.99% - 23.99% (V) regular APR
- 3% foreign transaction fee
- High rewards rate
- 100,000 points initial rewards bonus
- No foreign fee
- Membership fees
- Spending caps on rewards
- No intro APR on purchases
- No intro APR on balance transfers
- High rewards rate
- $1,000 initial rewards bonus
- No foreign fee
- High membership fees
- Requires good/excellent credit
- High rewards rate
- 50,000 miles initial rewards bonus
- No membership fees first year
- No foreign fee
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- 60,000 points initial rewards bonus
- No foreign fee
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- 80,000 points initial rewards bonus
- No foreign fee
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- 165,000 points initial rewards bonus
- No foreign fee
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- 60,000 points initial rewards bonus
- No foreign fee
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Editor’s Picks: Best Chase Business Credit Cards
The best Chase business credit card is the Ink Business Preferred® Credit Card because it offers the most rewards value, even with annual fees factored in. Chase Ink Preferred gives 100,000 points – worth $1,250 in travel booked through Chase – to new cardholders who spend $15,000 within three months of opening an account. Chase’s Preferred business credit card also gives 3 points per $1 spent on travel and select business purchases, on up to $150,000 spent per year, then 1 point per $1. The card charges a $95 annual fee, but it’s worth it if you regularly travel for business.That’s not to say the other Chase business cards are bad, by any means. They’re excellent, in fact. For example, if you’re a small business owner who prefers cash back to travel, you can’t go wrong with either Ink Cash or Ink Unlimited.
2023’s Best Chase Business Cards:
| Credit Card | Best For | Initial Bonus | Annual Fee |
| Ink Business Cash® Credit Card | Cash Back | $750 | $0 |
| Ink Business Preferred® Credit Card | Travel | 100,000 points | $95 |
| Ink Business Unlimited® Credit Card | No Annual Fee | $750 | $0 |
| United℠ Business Card | Airline Miles | 50,000 miles | $0 intro 1st yr, $99 after |
| World Of Hyatt Business Credit Card | Hotel Rewards | 60,000 points | $199 |
If you want to see how these offers compare to cards from other issuers, check out WalletHub’s picks for the best business credit cards overall.
Methodology for Selecting the Best Chase Business Cards
To identify the best Chase business cards, WalletHub’s editors regularly compare all of the business credit cards issued by Chase from our database of more than 1,500 credit card offers. This includes Chase Ink-branded business cards as well as co-branded business credit cards issued by Chase.
We compare the latest offers based on expected cardholder savings, using spending profiles that reflect different types of small business owners. This enables us to identify the best Chase business cards for each of the most popular usage categories.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Questions & Answers
Comparing chase business cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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What is the best Chase business credit card? Reply
One of the best Chase business credit cards is the Ink Business Premier℠ Credit Card. It offers a bonus of $1,000 for spending $10,000 in the first 3 months, gives 2 - 5% cash back on purchases, provides free employee cards, and has a $0 foreign transaction fee. The annual fee is $195.
Best Chase Business Credit Cards
- Overall: Ink Business Premier℠ Credit CardInk Business Premier℠ Credit CardLearn MoreLearn Moreon issuer's website
The Ink Business Premier card is the best business credit card with rewards for business owners with at least good credit who plan to make big purchases. The card has a $195 annual fee.
Initial bonus: $1,000 for spending $10,000 in the first 3 months.
Rewards: 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases.
Other benefits: The Ink Business Premier card also comes with fraud protection, purchase protection, cell phone protection, travel insurance and extended warranty protection, among other benefits.
- Initial Bonus: Ink Business Preferred® Credit CardInk Business Preferred® Credit CardLearn MoreLearn Moreon issuer's website
The Chase Ink Preferred card is one of the best business credit cards for a big initial bonus, as it offers a ton of value at a pretty low cost. This card requires at least good credit for approval and has a $95 annual fee.
Initial bonus: 100,000 points for spending $15,000 in the first 3 months.
Rewards: 3 points per $1 on the first $150,000 spent per year on travel and select business expenses, and 1 point per $1 on all other purchases.
Other benefits: The Chase Ink Preferred card offers fraud protection, purchase protection, extended warranty protection, and travel insurance, among other benefits.
- Cash Back: Ink Business Cash® Credit CardInk Business Cash® Credit CardLearn MoreLearn Moreon issuer's website
The Ink Cash card is a very good credit card for business owners with at least good credit who want to earn cash back rewards. In fact, Ink Cash offers the best ongoing cash back bonuses of any Chase business credit card. Plus, the card is easily worthwhile considering its $0 annual fee.
Initial bonus: $750 for spending $6,000 in the first 3 months.
Rewards: 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 spent per year at gas stations and restaurants combined; and 1% back on all other purchases.
Other benefits: The Ink Cash card also comes with fraud protection, purchase protection, extended warranty protection, and roadside dispatch, among other benefits.
- Flat-Rate Rewards: Ink Business Unlimited® Credit CardInk Business Unlimited® Credit CardLearn MoreLearn Moreon issuer's website
The Chase Ink Business Unlimited card comes out on top if you want to earn rewards at a flat rate. The card requires at least good credit for approval and has a $0 annual fee.
Initial bonus: $750 for spending $6,000 in the first 3 months.
Rewards: 1.5% cash back on all purchases.
Other benefits: The Chase Ink Business Unlimited card also comes with fraud protection, purchase protection, and extended warranty protection, among other benefits.
If your business involves travel, you could also benefit from several co-branded Chase credit cards.
Some of the Best Chase Co-Branded Business Credit Cards
- Airline Miles: Southwest® Rapid Rewards® Performance Business Credit CardSouthwest® Rapid Rewards® Performance Business Credit CardLearn MoreLearn Moreon issuer's website
The Southwest Performance Business Card offers 1 - 4 points per $1 on purchases. The card also gives 80,000 points for spending $5,000 in the first 3 months. Cardholders get an anniversary bonus, too.
This card requires at least good credit for approval, and it currently has an annual fee promotion ($0 intro 1st yr, $99 after).
- Hotel Rewards: World Of Hyatt Business Credit CardWorld Of Hyatt Business Credit CardLearn MoreLearn Moreon issuer's website
The World Of Hyatt Business Credit Card gives 1 - 4 points per $1 on purchases. The card also offers an initial bonus of 60,000 points for spending $5,000 in the first 3 months, plus up to $100 in Hyatt credits each account anniversary year.
This card requires at least good credit and has a $199 annual fee.
How to Apply for a Chase Business Card
The easiest way to apply for a Chase business card is online. Just choose the card you prefer and click on the “Apply Now” button. You can also apply for a business credit card in person, at a Chase Bank branch during normal business hours.
You'll have to supply Chase with your personal and financial information, including your Social Security number. In many cases, you’ll get a decision instantly, but it could take up to 30 days to receive a decision letter by mail.
Keep in mind that most Chase business cards require at least good credit for approval. You can check your credit score for free on WalletHub to see where you stand. You will also need to have proof of business income, among other requirements.
If you’re not committed to Chase, you can also check out our editors’ latest picks for the best business credit cards on the market to weigh your options.
Is there a Chase Sapphire business credit card? Reply
No, there is no Chase Sapphire business credit card, but there are other Chase business credit cards that don’t bear the Sapphire name.
It’s also good to note that you can still use the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® card for business purchases. It’s legal to use a personal credit card for business purposes. Just don’t also put personal expenses on the card, as that will make keeping your finances in order much more difficult.
Here are...
What are the biggest Chase Ink benefits? Reply
The best Chase Ink benefits are a bonus of up to 100,000 points for spending $15,000 in the first 3 months, up to 5% cash back on purchases, and free employee cards. Other top Chase Ink benefits include referral bonuses, purchase protection, extended warranties on purchases, and travel insurance coverage.
There are four Chase Ink business cards, three of which are available to new applicants:
- Cash Back: Ink Business Cash® Credit CardInk Business Cash® Credit CardLearn MoreLearn Moreon issuer's website
- Travel: Ink Business Preferred® Credit CardInk Business Preferred® Credit CardLearn MoreLearn Moreon issuer's website
- No Annual Fee: Ink Business Unlimited® Credit CardInk Business Unlimited® Credit CardLearn MoreLearn Moreon issuer's website
The fourth Chase Ink business card, the Ink Plus® Business Credit Card,...
How do I check my Chase business credit card application status? Reply
You can check your Chase business credit card application status over the phone at (800) 453-9719. Just press “1” for credit applications and enter your Social Security number to find out your Chase business credit application status.
What you should know about the Chase business card approval process:
After you submit your application, you may receive a decision instantly. But if Chase needs to collect or review additional information, it can take up to 30 days to...
Does Chase offer a secured business credit card? Reply
No, Chase does not offer secured business credit cards, but other credit card companies do. For example, a good secured business card is the Business Advantage Unlimited Cash Rewards Secured credit card, which has a $0 annual fee and offers 1.5% cash back on all purchases. This card requires a minimum deposit of $1000.
What you can get instead of a secured business credit card:
Keep in mind that you don’t necessarily need a business credit card to use for your business. There’s no law against using a...
How much are Chase Ink foreign transaction fees? Reply
The Chase Ink foreign transaction fee is $0 for the Ink Business Preferred® Credit Card and the Ink Business Premier. However, the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card charge a 3% of each transaction in U.S. dollars fee on international purchases.
A foreign transaction fee is a charge, usually around 3%, that a credit card issuer adds to transactions processed outside of the United States. You don’t have to be in another country to be charged the fee. It also applies to online purchases processed with non-U.S. based retailers.
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How do I get a Chase Ink referral bonus? Reply
You can get a Chase Ink referral bonus by inviting other business owners to apply for any of the Ink Business credit cards: the Ink Business Preferred® Credit Card, the Ink Business Cash® Credit Card, the Ink Business Premier, and the Ink Business Unlimited® Credit Card. To invite people to apply for an Ink Business card, you must register online with Chase’s Refer-A-Business Program to receive a special link.
If someone you refer is approved, you’ll receive 40,000 bonus points, worth $400 cash back (or $500 toward travel booked...
Featured Credit Cards
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