Chase offers six different business credit cards in a range of categories, including no-interest, travel rewards, and cash back rewards. Although their ongoing annual percentage rates (APRs) are about average, this provider offers cards that consistently rank high among business cards that offer introductory and ongoing rewards.
Chase business credit cards are best for owners who want to earn rewards to reduce travel expenses and save money on financing. These cards offer some of the highest sign-up bonuses and relatively low annual fees. Some Chase cobranded cards even offer excellent introductory bonuses and benefits like TSA Pre✓ ® and free first checked bag on flights. These are all reasons why Chase bank has some of the best business credit cards available.
Chase Business Credit Cards at a Glance
Card | Best for |
|---|---|
Fixed-rate rewards, 0% intro APR, and no annual fee | |
Cash-back reward bonuses on office supply and telecom expenses | |
Earning travel rewards on select business expenses with a hefty introductory sign-up bonus | |
Owners who mainly fly Southwest Airlines, earning up to 3x points toward travel | |
Owners who fly Southwest Airlines frequently, earning up to 2x points points toward travel | |
Owners who fly primarily with United Airlines, earning the best introductory bonus available |
Chase small business credit cards’ ongoing APR ranks about average compared with other business credit cards. Four out of the six business cards offer low annual fees while two cards have no annual fee at all. These cards also offer a variety of premium features, including travel and purchase protection and airport access. If you’re looking to compare Chase business credit cards to other small business credit cards, compare the top business credit cards.
1. Ink Business Unlimited® Credit Card
BEST FOR Pocketing 1.5% cash back on every single purchaseInk Business Unlimited® Credit Card
Pros
Cons
The Chase Ink Business UnlimitedSM Credit Card is best for businesses looking to earn unlimited fixed-rate cash back rewards on everyday expenses. This no-annual-fee card makes it easy to earn rewards without needing to separate your spending categories. Cardholders can finance expenses under a no-interest period for as long as 12 months. The ongoing rewards rate is on the lower end but still consistent with other fixed-rate rewards cards.
Owners can redeem points for cash, gift cards, and travel, including airline tickets, hotel stays, and rental cars. Cardholders can purchase airline tickets for most major airlines through Chase Ultimate Rewards® free of blackout dates and restrictions. You also get additional features like car rental insurance, travel, and emergency assistance services, and extended warranty protection. Read more in our Chase Ink Business Unlimited® Credit Card review.
2. Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
BEST FOR
Office-based businesses that want top cash back rewards
- 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 purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.
The Chase Ink Business Cash® Credit Card is best for earning maximum cash back on select spending categories, including office supply stores, internet, cable, and phone services. There’s no annual fee, and you can fly any class on most major airlines. Owners can earn points redeemable for cash, gift cards, hotels, car rentals, airfare, and Apple purchases. This card is one of the best cash-back rewards cards on the market.
Businesses get the added benefits of car rental insurance and travel and emergency assistance. This card also comes with roadside dispatch and purchase protection against theft and damage up to $10,000 per claim and $50,000 per account. Extended warranty protection adds an additional year to manufacturer’s warranties on items purchased with the card. Read more about this card on our Ink Business Cash® Credit Card review.
3. Ink Business Preferred® Credit Card
BEST FOR Maximizing travel rewards at a lower annual feeInk Business Preferred® Credit Card
Pros
Cons
The Chase Ultimate Rewards® is best for earning travel rewards on select business expenses. It also offers one of the best sign-up bonuses available. This card is great for businesses that spend a lot on travel and would like to save money on expenses through rewards. Each point you earn is worth 1.25 cents when redeemed for travel through the Chase portal.
Unlike the other Chase Ink business cards, this card charges no foreign transaction fees, making it great for businesses that spend internationally. It also comes with free employee cards that you can earn rewards on as well. This is one of only two Chase cards that offers trip cancellation or trip interruption insurance with reimbursement up to $15,000 per trip. This feature refunds expenses for prepaid passenger fares, tours, and hotels in case of a canceled trip.
Rental car insurance allows owners to opt-out of rental company collision insurance and still be covered for theft and collision damage up to the cash value of the car or the damage. It also comes loaded with cell phone protection, purchase protection, and extended warranty protection that allows owners to recover losses taken from theft and/or damage. You can read more about this card in our Ink Business Preferred® Credit Card review.
4. Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Performance Business
BEST FOR
Southwest flyers who want a Global Entry or TSA Pre✓® application fee credit
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
- 9,000 bonus points after your Cardmember anniversary.
- 3 points per $1 spent on Southwest Airlines® purchases.
- 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
- 4 Upgraded Boardings per year when available
- Inflight WiFi Credits
- Global Entry or TSA Pre✓® Fee Credit
- Employee cards at no additional cost, earn points on employee spending.
Pros
- Free Global Entry or TSA Pre✓® membership
- Large sign-up bonus that can help qualify for the companion pass
- Receive the best rewards for Southwest purchases compared to other Southwest cards
Cons
- High annual fee that isn’t waived in the first year
- Reward redemption value is poor outside of Southwest flights
- Limited options for international travel
- Global Entry or TSA PreCheck reimbursement: Receive application fee credits up to $100 for Global Entry or $85 for TSA PreCheck.
- Upgraded bookings: Southwest will reimburse you each anniversary year for the purchase of up to four upgraded boardings,
- Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours; up to $100 a day for three days.
The Southwest Rapid Rewards® Performance Business Credit Card is best for owners who fly Southwest Airlines regularly. This card offers a large sign-up bonus and earns top rewards on Southwest Airlines purchases. You’ll also earn bonus points by spending on social media and advertising, internet, cable, and phone services. Cardholders can also earn yearly anniversary bonus points.
On this small business travel credit card, owners receive inflight Wi-Fi credits in the form of statement credits. You also get four upgraded boardings per year and Global Entry or TSA Pre✓® Fee Credit up to $100 every four years. Points can be redeemed for airfare without blackout dates, expiration dates, purchase limits. This card charges no foreign transaction fees.
Cardholders also receive lost luggage reimbursement, baggage delay insurance, and extended warranty protection up to an additional year. This card’s purchase protection covers up to $10,000 per claim from theft or damage. Learn more about this card in our Southwest Rapid Rewards® Performance Business Credit Card review.
5. UnitedSM Explorer Business Card
United℠ Explorer Business Card
BEST FOR
Earning miles redeemable toward United Airlines travel
- Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 at restaurants, gas stations and office supply stores
- Earn 2 miles per $1 on United purchases and 1 mile per $1 on all other purchases
- Free checked bag - save up to $120 per roundtrip (terms apply)
- Two one-time United Club℠ passes each year - more than a $100 value
- Priority boarding for you and companions on the same reservation on United-operated flights
- Employee cards at no additional cost
Note: This card is no longer being offered
Pros
- Introductory bonus miles offer
- 2 free passes each year
- Priority boarding for you and a companion
Cons
- Below average ongoing travel rewards
- No introductory APR offer
- Comes with an annual fee
The UnitedSM Explorer Business Card is best for businesses that fly United Airlines frequently. You’ll earn points that can be used for airfare on United and Star Alliance airlines. This card offers excellent introductory rewards. It also offers exclusive benefits with an ongoing APR that is comparable to other travel cards. Points can be redeemed for inflight Wi-Fi, hotels, private celebrity events, car rentals, and gift cards. There are no blackout dates for airfare.
Premium perks include two United ClubSM one-time passes after account opening and then two more each following anniversary. You also get free first checked bags and priority boarding for you and your companions booked on the same reservation. It also offers Visa concierge service and car rental insurance.
The UnitedSM Explorer Business Card has added insurance for travel issues including baggage delay, trip cancellation/ trip interruption, lost luggage, and trip delay. This card also comes with extended warranty protection and purchase protection. The annual fee of $199 is low compared to other branded travel cards with similar benefits. You can read more in our UnitedSM Explorer Business Card review.
The information related to the UnitedSM Explorer Business Card has been collected by Fit Small Business and has not been reviewed or provided by the card issuer.
6. Southwest Rapid Rewards® Premier Business Credit Card
Southwest Rapid Rewards® Premier Business Credit Card
BEST FOR
Receiving rewards on Southwest purchases
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
- 1 point per $1 spent on all other purchases.
- Earn points on employee spending
- Employee cards at no additional cost
- No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees
- No foreign transaction fees
Pros
- Aids in qualifying for elite status with Southwest
- Helps owners earn the Southwest Companion Pass
Cons
- Rewards program is tailored to Southwest-related purchases
- Lacks premium Southwest Airlines perks
- Lost luggage reimbursement: Receive coverage up to $3,000 if you or your immediate family members’ checked or carry-on bags are damaged or lost.
- Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours; up to $100 a day for 3 days.
- Purchase protection: Covers purchases for 120 days against damage or theft. Coverage is capped at $10,000 per claim and $50,000 per account.
The Southwest Rapid Rewards® Premier Business Credit Card is best for Southwest Airlines customers who don’t want to pay the high annual fee associated with the carrier’s other card on this list. This card’s maximum ongoing rewards are below the best, but like other Chase cards, it also offers a large introductory bonus. Businesses earn travel points with no blackout dates and a low annual fee that reduces the cost of financing expenses.
The Southwest Rapid Rewards® Premier Business credit card offers free first and second bags and no flight change fees. Businesses get premium features like lost luggage reimbursement, baggage delay insurance, and extended warranty protection. Purchase protection covers new purchases up to $10,000 per claim up to $50,000 per account. Read more about this card on our Southwest Rapid Rewards® Premier Business Credit Card review.
What Chase Business Credit Cards Are Missing
Chase business credit cards have great introductory rewards with an assortment of useful perks, but they lack a few things. This provider is missing cards for businesses with fair credit. Except for one card, Chase cards don’t offer top ongoing rewards, and they typically require good to excellent credit for approval. Unlike Bank of America, Chase doesn’t have low-interest cards for cheaper financing on carried balances.
Chase Business Credit Card Reviews From Users
We searched online to get user feedback on Chase business credit cards. Overall feedback for this issuer was positive. Most users enjoy the introductory rewards that this provider offers. Some users feel ongoing APRs are high and complained that the ongoing rewards rates could be higher.
Choosing the Right Chase Business Credit Card
Chase Bank offers a variety of business credit cards that offer cash back rewards, travel rewards, no-interest financing, and cards with no annual fee. Understanding which card is right for you will be based on your business’s needs. Chase cards offer some of the top intro rewards and some of the most popular perks like TSA Pre✓ ® reimbursement.
The types of Chase business credit cards available to business owners are:
- Cash back rewards credit cards: Businesses can earn rewards in the form of cash back to save money on expenses. Most cash back cards offer between 1% and 2% on everyday purchases. The top cash back rewards cards offer up to 5% on category spending. Chase offers one card with top category cash back rewards.
- Travel rewards credit cards: Owners can earn rewards that can be redeemed for travel expenses, including hotels, car rentals, and airfare. The best travel rewards cards typically offer up to 5x points and more. Chase’s highest-earning card falls short at just 3x points for selected purchases.
- No-interest credit cards: Owners can make purchases on the card without incurring interest for a preset introductory period. The best no-interest business credit cards offer 0% APR for up to 15 months. Chase offers two credit cards that charge no interest on purchases for 12 months.
- No-annual-fee credit cards: Businesses can finance expenses without an annual fee. It’s common for rewards cards to have an annual fee, but Chase offers two no-annual-fee business credit cards.
Chase business credit cards are best for businesses looking to earn decent ongoing rewards with high introductory bonuses and low annual fees. Getting the right card for your business will depend on your needs and the category that your company spends the most. If your business spends a lot on gas and business supplies, you can save money by having a rewards card that offers top points in those categories.
Alternatives to Chase Business Credit Cards
When it comes to introductory rewards, there are just a few providers that offer excellent rewards upon signup. American Express business credit cards typically have higher ongoing rewards rates and excellent introductory bonuses. However, these cards tend to have much higher annual fees than other business cards. So, if annual fees aren’t an issue for you, we recommend American Express business credit cards as an alternative.
Bottom Line
Chase Bank offers a variety of rewards cards with some of the top introductory bonuses for cash back and travel cards. Although their ongoing rewards are below the best, the additional perks for their co-branded cards are top rated. Depending on your needs, you can decide if a Chase Ink credit card or co-branded card is best for you.
