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Chase offers 10 business credit cards, all of which come with generous welcome offers, lucrative ongoing rewards, and $0 to reasonable annual fees. They are ideal for business owners who want to maximize rewards depending on their spending habits and redeem them in various ways. You can choose cards that offer cash back or points, or co-branded cards designed for frequent travelers.
Here are the 10 best Chase business credit cards:
- card_name: Best for earning travel rewards and lucrative welcome offers
- card_name: Best for office-based businesses
- card_name: Best for those who make large purchases frequently
- card_name: Best for simple rewards program
- card_name: Best United Airlines card with a low annual fee
- United Club Business: Best for luxury travel with United Airlines
- Southwest Rapid Rewards Performance Business: Best for earning premium Southwest travel rewards and perks
- card_name: Best low annual fee Southwest card
- card_name: Best for loyal Hyatt Hotels customers
- card_name: Best for staying at IHG hotels and resorts
Overview of the Best Chase Business Credit Cards
Best For | Annual Fee | Ongoing Rewards | |||
|---|---|---|---|---|---|
card_name | Earning travel rewards and lucrative welcome offers | annual_fees | bonus_miles | Up to 5x points | |
card_name | Office-based businesses | annual_fees | bonus_miles | Up to 5% cash back | |
card_name | Those who make large purchases frequently | annual_fees | bonus_miles | Up to 5% cash back | |
card_name | Simple rewards program | annual_fees | bonus_miles | Up to 5% cash back | |
card_name | Those seeking a United Airlines card with a low annual fee | annual_fees | bonus_miles | Up to 2x miles | |
 United ClubSM Business | Luxury travel with United Airlines | $450 | 50,000 bonus miles and 1,000 Premier qualifying points | Up to 7x miles | |
card_name | Earning premium Southwest travel rewards and perks | annual_fees | bonus_miles | Up to 4x points | |
card_name | Those who want a low annual fee Southwest card | annual_fees | bonus_miles | Up to 3x points | |
card_name | Loyal Hyatt Hotels customers | annual_fees | bonus_miles | Up to 9x points | |
card_name | Staying at IHG hotels and resorts | annual_fees | bonus_miles | Up to 26x points | |
Note: To qualify, all these cards require you to have a good to excellent credit score. | |||||
If you want to see how a credit card stacks up against others, click Add to Compare on the cards. You can compare up to three credit cards on this page or a card here against other cards on our site.
card_name: Best for Earning Travel Rewards & Lucrative Welcome Offers
card_name
BEST FOR:
Maximizing travel rewards at a lower annual fee
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- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
intro_apr_rate,intro_apr_duration
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- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Best Features
This Chase business credit card lets you earn 100,000 points, equivalent to $1,000 cash back or $1,250 toward travel, when you spend $8,000 on purchases in the first three months after opening an account. Plus, it has $0 foreign transaction fees and other travel perks, such as trip cancellation/trip interruption insurance and auto rental collision damage waiver.
- 5x points on Lyft rides until March 2025
- 3x points per dollar spent on the first $150,000 spent in combined purchases in the following spending categories: travel, shipping purchases, advertising on search engines and social media sites, and expenses on internet, cable, and phone services
- Unlimited 1x points per dollar spent on all other purchases
- Flexible redemption options—redeem your points for travel, cash back, or gifts through the Chase Ultimate Rewards
- Points are worth 25% more when redeemed for travel
- Employee cards at no additional cost
It is our leading business card for travel because of its lucrative rewards and high travel redemption value.
card_name: Best for Office-based Businesses
card_name
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
intro_apr_rate,intro_apr_duration
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reg_apr,reg_apr_type
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Credit Needed
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- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- $0 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
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 three years or fewer.
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Credit Needed
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- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- $0 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
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 three years or fewer.
Best Features
Office-based businesses should consider this card as it offers the ability to earn premium cash back rewards on purchases made at office supply stores and on internet, cable, and phone services. On top of that, it has $0 annual fees and comes with a 0% introductory period on purchases for the first 12 billing cycles.
- 5% cash back on Lyft rides until March 2025
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services
- 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants
- 1% cash back on all other purchases
- Up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first three months, and an additional $400 when you spend $6,000 on purchases in the first six months after opening an account
- Free employee cards
- One-time 10% business relationship bonus of all eligible cash back earned in your first year if you have the Ink Business Cash card and a Chase Business Checking account
- Credit limit increase eligibility checks every six months
- Flexible redemption options, including cash back, gift cards, Apple products, and travel
Its premium rewards on office supplies and other office-related expenses are why it is one of our top business cards for consultants.
card_name: Best for Those Who Make Large Purchases Frequently
card_name
BEST FOR:
Those who make large purchases frequently
Intro APR
intro_apr_rate,intro_apr_duration
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reg_apr,reg_apr_type
Annual Fee
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Credit Needed
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- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Pros
- Offers premium rewards for new and existing cardholders
- Does not charge foreign transaction fees
- Has the option to pay for qualifying purchases in installments through Flex for Business
Cons
- Does not have interest-free financing option on both purchases and balance transfers
- Charges a high annual fee
- Requires for you to pay in full each month
- Need to make large purchases within a short period of time to qualify for its sign up bonus
- Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
- Extended warranty protection: You can extend the United States manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
- Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
- Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
- Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Pros
- Offers premium rewards for new and existing cardholders
- Does not charge foreign transaction fees
- Has the option to pay for qualifying purchases in installments through Flex for Business
Cons
- Does not have interest-free financing option on both purchases and balance transfers
- Charges a high annual fee
- Requires for you to pay in full each month
- Need to make large purchases within a short period of time to qualify for its sign up bonus
- Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
- Extended warranty protection: You can extend the United States manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
- Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
- Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
- Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.
Best Features
This card is ideal for those who usually make large purchases and can pay their entire credit card bill in full. It is a pay-in-full card that lets you earn premium cash back on purchases worth $5,000 and more. Although it’s a charge card, it features Flex for Business, which allows eligible cardholders to pay their qualifying purchases over time with APR.
- 5% cash back on Lyft rides until March 2025
- 2.5% cash back on purchases worth $5,000 or more
- 2% cash back on all other purchases
- $1,000 bonus cash back after spending $10,000 within the first three months after opening an account
- Employee cards at no additional cost
- Flexible redemption options, including cash back, gift cards, Apple products, and travel
It is also one of our top business cards for restaurant owners due to its high cash back rate on large purchases.
card_name: Best for Simple Rewards Program
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Best Features
It offers a simple rewards program and comes with a 0% introductory period on purchases for the first 12 billing cycles. You can redeem your rewards for cash back, gift cards, travel, Apple products, and more through Chase Ultimate Rewards®.
- 5% cash back on Lyft rides until March 2025
- 1.5% cash back on all business-related purchases
- $750 bonus cash back after spending $6,000 on purchases within the first three months of account opening
- Employee cards at no additional cost
- $0 annual fee
It is our overall best sole proprietorship business card because of its straightforward rewards structure and flexible redemption options.
card_name: Best United Airlines Card With a Low Annual Fee
card_name
BEST FOR:
Frequent United Airlines flyers who want to earn travel rewards
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
Good - Excellent
- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Pros
- Doesn’t charge annual transaction fees
- With generous welcome offer
- High rewards rate
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Charges annual fees during the second year
- Need to pay separately for unlimited access to United Club
- Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
- Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
- Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
- Lost luggage reimbursement: If your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
- Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
Good - Excellent
- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Pros
- Doesn’t charge annual transaction fees
- With generous welcome offer
- High rewards rate
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Charges annual fees during the second year
- Need to pay separately for unlimited access to United Club
- Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
- Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
- Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
- Lost luggage reimbursement: If your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
- Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.
Best Features
Business owners who frequently fly with United Airlines and want to earn miles rewards on other spending categories would want this card. It charges $0 foreign transaction fees and offers travel perks such as checked bags, United Club passes, priority boarding, and access to United Card events from Chase and United MileagePlus Exclusive events.
- 2x miles per dollar spent on the following:
- United® purchases (including tickets, Economy Plus®, inflight food and beverages, and other United charges)
- Dining (including eligible delivery services)
- Gas stations
- Office supply stores
- Local transit and commuting
- 1x miles per dollar spent on all other purchases
- 75,000 bonus miles when you spend $5,000 on purchases in the first three months of card ownership
- 5,000 bonus miles each year on your account anniversary
- First checked bag for free, which can save you up to $160 per round trip
- Up to 1,000 Premier qualifying points (PQPs)—25 PQP for every $500 you spend (up to 1,000 PQP in a calendar year)
- $100 United travel credit after 7 United flight purchases of $100 or more each card anniversary year
- 2 United ClubSM one-time passes after account opening and on each anniversary
- 25% back on United inflight and Club premium drink purchases
- Free employee cards
If you are looking for a United Club co-branded card that provides access to airport lounges and premium travel perks and benefits, consider the United ClubSM Business Card.
United ClubSM Business Card: Best for Luxury Travel With United Airlines
United Club℠ Business Card
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
Intro APR
N/A
Regular APR
21.99% to 28.99% variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Intro APR
N/A
Regular APR
21.99% to 28.99% variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Best Features
This card is designed for those who fly with United Airlines frequently and want to experience luxury travel. Its annual fee of $450 includes a United ClubSM membership valued at $650 per year, which offers access to premium travel perks, such as airport lounges and free checked bags.
- 7x total miles on United flights—5x miles on fare from United as a MileagePlus member, plus 2x miles on the entire United purchase with the United Club Business Card
- 2x miles on other United purchases
- 3.5x total miles on hotel stays booked through United Hotels—2x miles from United as a MileagePlus member, plus 1.5x miles earned with the United Club Business Card
- 1.5x miles on all other purchases
- 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first three months your account is open
- Free first and second checked bags, which can save you up to $360 per round trip
- Premier Access® travel services provide preferential treatment with priority check-in, security screening, boarding, and baggage handling privileges where available
- 25 PQP for every $500 spent on purchases, up to 1,000 PQP in a calendar year
- 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated flights and on Club premium drinks
- Employee cards at no additional cost
This card is also included in our list of the best business cards with airport lounge access. However, if you are looking for a co-branded card that offers almost the same rewards and benefits but charges a low annual fee, consider the UnitedSM Business Card.
card_name: Best for Earning Premium Southwest Travel Rewards & Perks
Southwest® Rapid Rewards® Performance Business Credit Card
BEST FOR:
Those who fly Southwest Airlines frequently
Intro APR
N/A
Regular APR
21.49% - 28.49% Variable
Annual Fee
$199
Credit Needed
Good - Excellent
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Doesn’t charge foreign transaction fees
- Welcome offer
Cons
- Charge high annual fees
- No interest-free financing period on purchases and balance transfers
- Baggage daily insurance: You’re covered with baggage daily insurance if your checked luggage is delayed or misdirected by a carrier for more than six hours.
- Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the entire rental cost to your card.
- Lost baggage reimbursement: If you or a family member have checked or carry-on luggage that’s lost or damaged by the carrier, you’re covered up to $3,000 per passenger.
- Employee cards: Earn more points on your employee spending by issuing additional cards at no additional cost.
Intro APR
N/A
Regular APR
21.49% - 28.49% Variable
Annual Fee
$199
Credit Needed
Good - Excellent
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Doesn’t charge foreign transaction fees
- Welcome offer
Cons
- Charge high annual fees
- No interest-free financing period on purchases and balance transfers
- Baggage daily insurance: You’re covered with baggage daily insurance if your checked luggage is delayed or misdirected by a carrier for more than six hours.
- Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the entire rental cost to your card.
- Lost baggage reimbursement: If you or a family member have checked or carry-on luggage that’s lost or damaged by the carrier, you’re covered up to $3,000 per passenger.
- Employee cards: Earn more points on your employee spending by issuing additional cards at no additional cost.
Best Features
This card provides access to exclusive travel perks—such as inflight Wi-Fi credits, Global Entry or TSA PreCheck® fee credit, and up to four upgraded boardings per year. It is ideal for those who travel with Southwest Airlines frequently because it offers a high rewards rate on eligible purchases at Southwest Airlines®.
- 4x points per dollar spent directly on Southwest Airlines®, including flights, inflight purchases, Southwest gift cards, and Southwest Vacations package purchases
- 3x points per dollar spent with Rapid Rewards hotel and car rental partners
- 2x points per dollar spent on social media and search engine advertising, internet, cable, and phone services as well as on local transit and commuting, including rideshare
- 1x points on all other purchases
- Up to 120,000 points—80,000 points after you spend $5,000 on purchases in the first three months from account opening and an additional 40,000 points when you spend $15,000 in nine months
- 9,000 bonus points each year after your account anniversary
- 1,500 tier qualifying points toward A-List status for every $5,000 spent—there’s no limit on the amount of TQPs you can earn
- $500 fee credit per year for points transfers when you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards member
- $0 foreign transaction fees
Consider the Southwest® Rapid Rewards® Premier Business Credit Card if you want an alternative Southwest business credit card that charges a lower annual fee.
card_name: Best Low Annual Fee Southwest® Card
card_name
BEST FOR:
Those who fly Southwest Airlines frequently
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 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.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Does not charge foreign transaction fees
- Welcome offer
Cons
- Charge high annual fees
- No 0% introductory period on purchases and balance transfers
- Baggage delay insurance: Get covered if your checked luggage is delayed or misdirected by a carrier for more than six hours. You and your immediate family members will be eligible for a $100-per-day benefit for up to three days.
- Purchase protection: Get covered against damage or theft for new purchases for 120 days—coverage is up to $10,000 per claim and $50,000 per account.
- Extended warranty protection: Extends warranty to up to one additional year on warranties of three years or less.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 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.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Does not charge foreign transaction fees
- Welcome offer
Cons
- Charge high annual fees
- No 0% introductory period on purchases and balance transfers
- Baggage delay insurance: Get covered if your checked luggage is delayed or misdirected by a carrier for more than six hours. You and your immediate family members will be eligible for a $100-per-day benefit for up to three days.
- Purchase protection: Get covered against damage or theft for new purchases for 120 days—coverage is up to $10,000 per claim and $50,000 per account.
- Extended warranty protection: Extends warranty to up to one additional year on warranties of three years or less.
Best Features
This is great if you travel with Southwest Airlines frequently and want a co-branded card with a low annual fee. It offers points rewards per dollar spent on Southwest Airlines purchases and other purchases as well as a generous welcome offer and anniversary bonus.
- 3x points per dollar spent directly on Southwest Airlines®
- 2x points per dollar spent on Rapid Rewards hotel and car rental partner purchases, and on local transit and community (including rideshare services)
- 1x points per dollar spent on everyday purchases
- Up to 120,000 points—60,000 points after you spend $3,000 on purchases in the first three months of account ownership and an additional 60,000 points when you spend $15,000 in nine months
- 6,000 anniversary bonus points each year
- 2 EarlyBird Check-In® each year
- 25% back on inflight purchases
- 1,500 tier qualifying points toward A-List status for every $5,000 spent, with no limit on the amount of TQPs you can earn
- $500 fee credit each anniversary year for points transfers to another Rapid Rewards member
- $0 foreign transaction fee
Consider the Southwest® Rapid Rewards® Performance Business Credit Card if you want lucrative travel perks and rewards and are willing to pay an annual fee of $199.
card_name: Best for Loyal Hyatt Hotels Customers
card_name
BEST FOR:
Those who primarily stay at Hyatt hotels
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
Pros
- Welcome offer
- Doesn’t charge foreign transaction fees
- Premium features and rewards
Cons
- Charges annual fee
- Doesn’t have 0% introductory APR
- Discoverist status: You and up to five employees can enjoy Discoverist status with World of Hyatt Business Credit Card. This includes 10% Bonus Points when choosing to earn points on eligible purchases in Hyatt, access to premium in-room internet, 2 p.m. late checkout upon request and when available, and earn 5 tier-qualifying night credits after spending $10,000 within a calendar year.
- Hyatt leverage membership: Hyatt leverage program offers an average savings of up to $350 a year due to discounts on standard rate rooms at all participating Hyatt hotels.
- 10% redemption bonus: Get 10% of your points back for the rest of the year after spending $50,000 every calendar year — up to 200,000 points can be redeemed.
- Faster way of improving status and rewards: Earn 5 tier-qualifying points after spending $10,000 every calendar year.
- Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits twice each anniversary year.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
Pros
- Welcome offer
- Doesn’t charge foreign transaction fees
- Premium features and rewards
Cons
- Charges annual fee
- Doesn’t have 0% introductory APR
- Discoverist status: You and up to five employees can enjoy Discoverist status with World of Hyatt Business Credit Card. This includes 10% Bonus Points when choosing to earn points on eligible purchases in Hyatt, access to premium in-room internet, 2 p.m. late checkout upon request and when available, and earn 5 tier-qualifying night credits after spending $10,000 within a calendar year.
- Hyatt leverage membership: Hyatt leverage program offers an average savings of up to $350 a year due to discounts on standard rate rooms at all participating Hyatt hotels.
- 10% redemption bonus: Get 10% of your points back for the rest of the year after spending $50,000 every calendar year — up to 200,000 points can be redeemed.
- Faster way of improving status and rewards: Earn 5 tier-qualifying points after spending $10,000 every calendar year.
- Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits twice each anniversary year.
Best Features
Business owners who exclusively stay at any World of Hyatt property frequently and want to earn premium rewards would find this card suitable. Besides its premium rewards on stays at Hyatt Hotels, it also lets you earn bonus points on your chosen spending categories, without caps or restrictions on how many bonus points you can earn.
- Up to 9x total points per dollar spent on purchases made at Hyatt hotels—4x bonus points per dollar spent at Hyatt hotels, plus 5x base points per dollar spent on Hyatt purchases for being a World of Hyatt member
- 2x bonus points per dollar spent in your top three spending categories each quarter until Dec. 31, 2024, then on the top two spending categories each quarter. Eligible categories are:
- Dining
- Shipping
- Airline tickets purchased directly from the airline
- Local transit and commuting
- Social media and search engine advertising
- Car rental agencies
- Gas stations
- Internet, cable, and phone services
- 2x bonus points per dollar spent on fitness clubs and gym memberships
- 1x bonus points per dollar spent on all other purchases
- 60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening
- $0 foreign transaction fees
- Up to $100 in Hyatt statement credits—spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year
- 10% redemption bonus—spend $50,000 in a calendar year and get 10% of your points back for the rest of the year, on up to 200,000 points redeemed
- Hyatt Leverage membership lets you enjoy discounts on standard room rates at all participating Hyatt hotels
- Employee cards at no additional cost
card_name: Best for Staying at IHG® Hotels & Resorts
card_name
BEST FOR:
Those who frequently stay at IHG® Hotels & Resorts
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to 200,000 Bonus Points: Get 140,000 points after spending $4,000 in the first 3 months, and an additional 60,000 points after reaching $9,000 in total spending within the first 6 months from account opening.
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive 4-night IHG® hotel stay.
- Earn up to 26× total points: Stay at IHG® Hotels & Resorts and get 10× points with the IHG One Rewards Premier Business Credit Card, up to 10×points from IHG® for being an IHG® Rewards member and up to 6× points from IHG® with Platinum Elite Status, which you get as a cardmember automatically
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- $120 Global Entry, TSA PreCheck® or NEXUS Statement Credit every 4 years as reimbursement for the application fee charged to your card.
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Pros
- Offers premium rewards
- With lucrative welcome offer and anniversary bonuses
- Charges $0 foreign transaction fees
Cons
- Has no 0% introductory APR
- Charges an annual fee
- Purchase protection: Ensures coverage for your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Trip cancellation/trip interruption insurance: Receive reimbursement of up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels, in the event your trip is canceled or cut short because of sickness, severe weather, and other covered situations.
- Fraud protection: Offers Zero Liability Protection, which ensures that you won’t be held responsible for unauthorized transactions.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to 200,000 Bonus Points: Get 140,000 points after spending $4,000 in the first 3 months, and an additional 60,000 points after reaching $9,000 in total spending within the first 6 months from account opening.
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive 4-night IHG® hotel stay.
- Earn up to 26× total points: Stay at IHG® Hotels & Resorts and get 10× points with the IHG One Rewards Premier Business Credit Card, up to 10×points from IHG® for being an IHG® Rewards member and up to 6× points from IHG® with Platinum Elite Status, which you get as a cardmember automatically
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- $120 Global Entry, TSA PreCheck® or NEXUS Statement Credit every 4 years as reimbursement for the application fee charged to your card.
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Pros
- Offers premium rewards
- With lucrative welcome offer and anniversary bonuses
- Charges $0 foreign transaction fees
Cons
- Has no 0% introductory APR
- Charges an annual fee
- Purchase protection: Ensures coverage for your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Trip cancellation/trip interruption insurance: Receive reimbursement of up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels, in the event your trip is canceled or cut short because of sickness, severe weather, and other covered situations.
- Fraud protection: Offers Zero Liability Protection, which ensures that you won’t be held responsible for unauthorized transactions.
Best Features
This card is designed for those who frequently travel and stay at any IHG® property and want to earn premium points at IHG® Hotels and Resorts. You can redeem your earned points for free nights. You’ll get an automatic IHG One Rewards Platinum Elite status for as long as you remain a Premium Business card member and retain your IHG One Rewards membership in good standing.
- Up to 26x total points for every dollar spent at IHG® hotels and resorts—10x points with the card, an additional 10x points for being an IHG One Rewards Member, and up to 6x points through the IHG One Rewards Platinum Elite status
- 5x points per dollar spent on travel, dining, select business purchases, and at gas stations
- 3x points per dollar spent on all other purchases
- 140,000 bonus points after spending $4,000 on purchases within the first three months from account opening
- Anniversary free night after earning at least 40,000 points
- $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year
- $0 foreign transaction fees
How to Choose the Right Chase Business Credit Card
The best Chase credit card depends on your business’s spending needs, rewards preference, budget, and interest-free financing needs. Here are a few factors that you need to consider:
The type of rewards you want to earn will determine which Chase business credit card is best for your business. Chase business credit cards offer the option to earn travel rewards, cash back, and points-based rewards.
For travel reward credit cards, you can choose from the following:
- Ink Business Preferred®
- Southwest® Rapid Rewards® Performance Business
- Southwest® Rapid Rewards® Premier Business
- United ClubSM Business
- UnitedSM Business
- World of Hyatt Business
- IHG® One Rewards Premier Business
For cash back credit cards, consider:
- Ink Business Cash®
- Ink Business Unlimited®
- Ink Business PremierSM
For points-based rewards credit cards, choose from:
- Ink Business Preferred®
- World of Hyatt Business
- IHG® One Rewards Premier Business
Some Chase credit cards have no annual fees while others charge an annual fee ranging from $95 to $450. If you want a no-annual-fee credit card, consider either the Chase Ink Business Unlimited® or Chase Ink Business Cash®.
If you plan to make a large purchase for your business, choosing a Chase credit with a 0% introductory period is important. Consider Chase Ink Business Unlimited® or Chase Ink Business Cash®, as both offer interest-free purchase financing.
The Chase Ultimate Rewards® Program & How It Works
The Chase Ultimate Rewards® is a point-system rewards program exclusive to Chase-branded credit cards. Your rewards are tracked as points if your credit card earns cash back. Each $1 cash back is equal to 100 points, and points don’t expire as long as your account remains open.
However, you’ll lose all your points if your account status changes or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons stated in the terms of the Rewards Program Agreement.
All your Chase credit cards, including personal and business credit cards, will be registered under the same Chase Ultimate Rewards® account. This allows you to transfer or combine points from one Chase card to another to redeem your rewards for booking travel, getting cash back, or transferring them to a partner airline or hotel loyalty program. Combining points from multiple cards lets you maximize your redemption potential.
If you choose to transfer your points to any of Chase’s hotel and airline partners, you can enjoy a full 1:1 value for select cards. This means that 1x Ultimate Rewards point is equivalent to 1x point when transferred to your selected travel partner program.
Chase Ultimate Rewards® airline partners include: | Chase Ultimate Rewards® hotel partners include: |
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How to Transfer Chase Ultimate Rewards® Points
Once you’ve selected a Chase Ultimate Rewards® airline or hotel partner, you can transfer your points from Chase to the partner’s loyalty program.
You can follow these steps:
- Step 1: Log into your Chase account.
- Step 2: Go to the Ultimate Rewards® page.
- Step 3: Click “Earn/Use” then “Transfer to Travel Partners.” You’ll then see a list of Chase’s partner programs.
- Step 4: Click “Transfer Points” next to the travel partner you choose, and you’ll be asked to enter your airline or hotel loyalty program info.
- Step 5: If you don’t have an account with your chosen partner loyalty program, you can sign up for free easily before transferring your Ultimate Rewards® points.
Alternatives to Chase Business Credit Cards
American Express® Business Gold Card
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Intro APR
0% on purchases
Regular APR
18.49% - 27.49% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Intro APR
0% on purchases
Regular APR
18.49% - 27.49% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
This card offers flexible credit limits and lets you earn 4x points on the first $150,000 spent on the top two categories where you spend the most. On top of that, you’ll also receive 100,000 Membership Rewards® points as a welcome offer when you spend $15,000 on eligible purchases within the first three months of opening an account.
U.S. Bank Business Triple Cash Rewards World Elite Visa®
U.S. Bank Triple Cash Rewards Visa® Business Card
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
It features the ExtendPay Plan, which lets you pay off your eligible balance over time through equal monthly installments without interest—just pay a small monthly fee. What’s more, it comes with 0% APR on purchases for 12 billing cycles. Plus, you can earn up to 5% cash back on your purchases, and a generous welcome offer when you meet the spending requirements.
Bank of America® Business Advantage Customized Cash Rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
You can choose the spending category where you can earn premium rewards. You can choose from gas stations & EV charging stations (default), office supply stores, travel, TV/telecom and wireless, computer services, and business consulting services. It also comes with 0% APR on purchases for the first nine billing cycles and a $300 online statement credit as a welcome offer when you meet the spending requirements.
Frequently Asked Questions (FAQs)
It’s not hard, as all of the Chase business credit cards require just at least good credit standing (between 670 and 739) to qualify. In addition, Chase takes your outstanding debt, number of open accounts, recent credit inquiries, and bank account information into account when you’re applying.
The Chase Ink Business Unlimited® and the Chase Ink Business Preferred® check your personal credit history to see whether you qualify.
Chase Ink Business Preferred® is the best if you travel frequently as it offers a high introductory bonus and credit limit. You can receive 100,000 bonus points after making at least $8,000 in purchases during the first three months of card ownership—this is equivalent to $1,000 in cash back or $1,250 when redeeming it for travel through the Chase Ultimate Rewards®.
Bottom Line
Chase offers a variety of business rewards credit cards with some of the top sign-up bonuses for cash back and travel. The best Chase business card depends on what rewards you want to earn, how much annual fee you’re willing to pay, if you need no-interest financing, or if you want a co-branded airline or hotel business credit card.
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