Best Chase Business Credit Cards
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Chase business credit cards are best for business owners wanting to earn high sign-up bonuses and unlimited rewards. Chase has a total of nine cards—with some providing cash back and others offering points-based rewards—and five of them are co-branded cards that are ideal for frequent travelers.
To see how these cards stack up against others we have reviewed on our site, simply click Add to Compare on a card below and select up to two additional cards for comparison.
Ink Business Unlimited® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 1.5% cash back on every single purchase
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: 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.
- 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.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 less
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: 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.
- 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.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 less
Ink Business Cash® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other 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 three years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other 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 three years or less.
Ink Business Preferred® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
20.24% - 25.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $15,000 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
- 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.
- 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.
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interst-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- 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 US 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
N/A
Regular APR
20.24% - 25.24% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Earn 100k bonus points after you spend $15,000 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
- 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.
- 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.
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interst-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- 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 US 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
Southwest® Rapid Rewards® Performance Business Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who fly Southwest Airlines frequently
Intro APR
N/A
Regular APR
20.24% - 27.24% Variable
Annual Fee
$199
Credit Needed
Good - Excellent
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car 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.
- Global Entry or TSA PreCheck® Fee Credit.
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Doesn’t charge foreign transaction fees
- With sign-up bonus
Cons
- Charge high annual fees
- No interest-free financing period on purchases and balance transfers
- Baggage daily insurance: You’ve 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
20.24% - 27.24% Variable
Annual Fee
$199
Credit Needed
Good - Excellent
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car 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.
- Global Entry or TSA PreCheck® Fee Credit.
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Doesn’t charge foreign transaction fees
- With sign-up bonus
Cons
- Charge high annual fees
- No interest-free financing period on purchases and balance transfers
- Baggage daily insurance: You’ve 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.
Southwest® Rapid Rewards® Premier Business Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Receiving rewards on Southwest purchases
Intro APR
N/A
Regular APR
20.24% - 27.24% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 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 partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Earn unlimited tier qualifying points towards A-List status.
Pros
- No blackout dates and unlimited reward seats
- Low annual fee
- No foreign transaction fees
Cons
- No introductory 0% APR
- Lacks premium Southwest Airlines perks
- Limited rewards
- 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 6 hours; up to $100 a day for three 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.
Intro APR
N/A
Regular APR
20.24% - 27.24% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 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 partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Earn unlimited tier qualifying points towards A-List status.
Pros
- No blackout dates and unlimited reward seats
- Low annual fee
- No foreign transaction fees
Cons
- No introductory 0% APR
- Lacks premium Southwest Airlines perks
- Limited rewards
- 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 6 hours; up to $100 a day for three 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.
United Club℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
Intro APR
N/A
Regular APR
20.24% to 27.24% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 75,000 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
- Offers free first and second checked bags
- With sign-up bonus
- With lounge membership
Cons
- Charges high annual fee
- Has no 0% introductory APR
- Rewards have limited flexibility
- 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
20.24% to 27.24% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 75,000 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
- Offers free first and second checked bags
- With sign-up bonus
- With lounge membership
Cons
- Charges high annual fee
- Has no 0% introductory APR
- Rewards have limited flexibility
- 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.
United℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent United Airlines flyers who want to earn travel rewards
Intro APR
N/A
Regular APR
20.74% - 27.74% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 75,000 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 UnitedSM 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 ClubSM one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Pros
- Annual fee waived for the first year
- No foreign transaction fees
- Earn Premier Qualifying Points
Cons
- No 0% introductory APR
- Low ongoing travel rewards
- 25% back on United inflight purchases: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United- and United Express-operated flights.
- $100 United annual travel credit: Receive a $100 statement credit per year when you make a total of seven United flight travel-related purchases, including seat upgrades, Economy Plus®, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
- Priority boarding: You and your companions traveling on the same reservation are eligible for priority boarding prior to general boarding.
- Earn Premier Qualifying Points (PQPs): You will earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year.
Intro APR
N/A
Regular APR
20.74% - 27.74% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 75,000 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 UnitedSM 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 ClubSM one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Pros
- Annual fee waived for the first year
- No foreign transaction fees
- Earn Premier Qualifying Points
Cons
- No 0% introductory APR
- Low ongoing travel rewards
- 25% back on United inflight purchases: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United- and United Express-operated flights.
- $100 United annual travel credit: Receive a $100 statement credit per year when you make a total of seven United flight travel-related purchases, including seat upgrades, Economy Plus®, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
- Priority boarding: You and your companions traveling on the same reservation are eligible for priority boarding prior to general boarding.
- Earn Premier Qualifying Points (PQPs): You will earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year.
World of Hyatt Business Credit Card
BEST FOR:
Those who primarily stay at Hyatt hotels
Intro APR
N/A
Regular APR
20.24% - 27.24% Variable
Annual Fee
$199
Credit Needed
Good to Excellent
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
- 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 12/31/23, 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
Pros
- With sign-up bonus
- 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
N/A
Regular APR
20.24% - 27.24% Variable
Annual Fee
$199
Credit Needed
Good to Excellent
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
- 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 12/31/23, 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
Pros
- With sign-up bonus
- 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.
IHG® Rewards Premier Credit Card
BEST FOR:
Those who frequently stay at IHG® Hotels & Resorts
Intro APR
N/A
Regular APR
20.24% - 27.24% Variable
Annual Fee
$99
Credit Needed
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 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 any stay of 3 or more nights
- Earn up to 26 points total per $1 spent when you stay at an IHG hotel
- Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Platinum Elite status as long as you remain a Premier card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Pros
- Offers premium rewards
- With a lucrative sign-up and anniversary bonuses
- Does not charge foreign transaction fees
Cons
- Has no 0% introductory APR
- With annual fees
- Platinum Elite Status: You can receive an automatic Platinum Elite status with your IHG® Rewards Premier Business Credit Card. You’ll keep this status as long as you remain a Premier Business card member and your IHG® Rewards membership account remains in good standing.
- Purchase Protection: Get insurance coverage on your new purchases for 120 days against damage or theft. Coverage is limited to a maximum of $10,000 per claim and $50,000 per account.
- Trip Cancellation/Interruption Insurance: If your trip either got canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses — including passenger fares, tours, and hotels. Restrictions, limitations, and exclusions apply. Refer to the Guide to Benefits, which includes a full explanation of coverages.
- Global Entry, TSA PreCheck®, or NEXUS Statement Credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS.
Intro APR
N/A
Regular APR
20.24% - 27.24% Variable
Annual Fee
$99
Credit Needed
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 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 any stay of 3 or more nights
- Earn up to 26 points total per $1 spent when you stay at an IHG hotel
- Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Platinum Elite status as long as you remain a Premier card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Pros
- Offers premium rewards
- With a lucrative sign-up and anniversary bonuses
- Does not charge foreign transaction fees
Cons
- Has no 0% introductory APR
- With annual fees
- Platinum Elite Status: You can receive an automatic Platinum Elite status with your IHG® Rewards Premier Business Credit Card. You’ll keep this status as long as you remain a Premier Business card member and your IHG® Rewards membership account remains in good standing.
- Purchase Protection: Get insurance coverage on your new purchases for 120 days against damage or theft. Coverage is limited to a maximum of $10,000 per claim and $50,000 per account.
- Trip Cancellation/Interruption Insurance: If your trip either got canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses — including passenger fares, tours, and hotels. Restrictions, limitations, and exclusions apply. Refer to the Guide to Benefits, which includes a full explanation of coverages.
- Global Entry, TSA PreCheck®, or NEXUS Statement Credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS.
How to Choose the Right Chase Credit Card
Chase offers a variety of business credit cards with cash back rewards, travel rewards, sign-up bonuses, and no-interest financing—and some cards have no annual fee. The best Chase credit card depends on your business’s spending needs, rewards preference, budget, and interest-free financing needs.
Here are a few important things to consider when deciding which Chase business credit card is right for your business:
1. Preferred Rewards
The type of rewards you want to earn will determine which Chase credit card is best for your business. Chase 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:
- Chase Ink Business Preferred® Credit Card
- Southwest® Rapid Rewards® Performance Business Credit Card
- Southwest® Rapid Rewards® Premier Business Credit Card
- UnitedSM Club Business Card
- UnitedSM Business Card
- World of Hyatt Business Credit Card
- IHG® Rewards Premier Business Credit Card
For cash back credit cards, consider either Chase Ink Business Cash® or Chase Ink Business Unlimited®. For points-based rewards credit cards, choose from the Chase Ink Business Preferred®, World of Hyatt Business Credit Card, or IHG® Rewards Premier Business Credit Card.
2. Annual Fees
Some Chase credit cards have no annual fees, while others charge an annual fee ranging from $95 to $450. All Chase credit cards that charge annual fees don’t offer a zero annual fee period. If you want a no-annual-fee credit card, consider either Chase Ink Business Unlimited® or Chase Ink Business Cash®.
3. Interest-free Financing
If you plan to make a large purchase and take advantage of interest-free financing, it’s important to choose a Chase credit card that offers a 0% introductory APR period. Consider Chase Ink Business Unlimited®, which made it to our list of the best 0% APR business credit cards. You may also want to consider Chase Ink Business Cash®, which also offers an opportunity for interest-free financing.
Chase Ink Business Unlimited® Credit Card: Best for Earning Fixed-rate Cash Back
Who Is the Ink Business Unlimited® Credit Card Best For?
The Chase Ink Business Unlimited® credit card is best for business owners wanting to earn unlimited, fixed-rate 1.5% cash back on all purchases without having to monitor spending categories. It’s also a great option if you plan to make a large purchase because it offers a 0% introductory APR for the first 12 months of card ownership. If you plan to carry a balance after the introductory APR period, you can enjoy a low ongoing APR ranging from 17.49% to 23.49%.
This card is also ideal for new business owners with good personal credit who need a business card with no annual fee and straightforward rewards. Even if you don’t have business credit, you may still qualify for it. It’s our top choice for the best credit cards for new businesses with no credit history. However, if your business has significant expenses in certain spending categories, including office supply stores and internet, cable, and phone services, you’ll benefit more from the rewards offered by the Chase Ink Business Cash® credit card.
Why We Like the Chase Ink Business Unlimited® Credit Card
- Sign-up bonus: Earn $750 bonus cash back after spending $7,500 on purchases within the first three months of card ownership.
- 0% introductory APR on purchases: Take advantage of interest-free financing for the first 12 months after opening an account
- Unlimited cash back rewards on all purchases: Receive unlimited, fixed-rate 1.5% cash back on all purchases so you don’t have to keep track of your expense categories.
- No annual fee: Minimize your overall credit cost by not having to pay annual fees.
What’s Missing From the Chase Ink Business Unlimited® Credit Card
While Chase Ink Business Unlimited® offers interest-free financing on purchases, the introductory 0% APR period doesn’t apply to balance transfers. Business owners who need to transfer their balance from their old credit cards need to pay an APR ranging from 14.74% to 20.74%.
Chase Ink Business Cash® Credit Card: Best for Office Supply & Telecom Expenses
Who Is the Chase Ink Business Cash® Credit Card Best For?
The Chase Ink Business Cash® credit card is best for businesses spending a significant amount at office supply stores and on internet, cable, and phone services. You can earn 5% cash back on the first $25,000 spent in combined purchases in these categories. Plus, you’ll earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants, and unlimited 1% cash back on all other purchases. It’s our best overall limited liability company (LLC) credit card because of its rich rewards in these spending categories.
Because it comes with no annual fee and a low ongoing APR ranging from 17.49% to 23.49%, it’s a great option if you don’t mind keeping track of your expense categories. However, if you don’t usually spend on office supplies and telecom services and want to earn fixed-rate rewards instead, the Chase Ink Business Unlimited® credit card may be a better choice.
Why We Like the Chase Ink Business Cash® Credit Card
- Sign-up bonus: Spend at least $7,500 within three months after opening an account to earn a $750 cash bonus.
- Top rewards for office supply spending: Earn 5% cash back on the first $25,000 spent on office supplies and internet, cable, and phone services, and save as much as $1,250 per year on these expenses.
- Introductory 0% APR on purchases: Take advantage of interest-free financing for 12 months if your business needs to make a substantial purchase.
- No annual fee: Enjoy earning premium rewards without having to pay annual fees.
What’s Missing From the Chase Ink Business Cash® Credit Card
Similar to Chase Ink Business Unlimited®, Chase Ink Business Cash® doesn’t offer a 0% introductory rate for balance transfers. If you need to transfer a balance from another credit card, you’ll be charged an APR ranging from 17.49% to 23.49%. Also, keep in mind that the 5% cash back on office supplies and telecom services only applies to the first $25,000 spent in combined purchases on these categories. You’ll earn 1% cash back after you reach the maximum limit of $25,000 per year.
Both Chase Ink Business Unlimited® and Chase Ink Business Cash® made our lists of the top cash back business credit cards and the leading business credit cards with no annual fee.
Chase Ink Business Preferred® Credit Card: Best for Earning Travel Rewards & Lucrative Sign-up Bonuses
Who Is the Chase Ink Business Preferred® Credit Card Best For?
The Chase Ink Business Preferred® credit card is best for business owners with significant travel expenses and those wanting a lucrative sign-up bonus, as it offers 100,000 bonus points when you spend $15,000 on purchases in the first three months. Plus, your points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®. You can also earn generous rewards for online ad purchases, making it an ideal option if you spend on advertising through social media sites like Facebook and Google.
The card even offers 3x points on the first $150,000 spent in combined purchases on select categories, including shipping, advertising on social media sites, internet, cable, phone services, and travel. If you don’t have significant expenses in these categories, Chase Ink Business Unlimited® may be more valuable. If you want travel perks like airport lounge access and are a frequent United Airlines flyer, you may consider United ClubSM Business Card.
Why We Like the Chase Ink Business Preferred®
- Sign-up bonus: Receive 100,000 bonus points when you meet the spending requirements. This is equal to $1,000 cash back or $1,250 toward travel when you redeem through Chase Ultimate Rewards®.
- 25% more in travel redemption: Points are worth 25% more when you redeem for travel, including flights, car rentals, and hotel stays, through Chase Ultimate Rewards®.
- High cap amount for premium rewards: Earn 3x points on the first $150,000 spent in combined purchases in shipping, advertising on social media sites, internet, cable, phone services, and travel per year.
- No foreign transaction fee: Use your card to make purchases outside the United States without having to pay foreign transaction fees.
What’s Missing From the Chase Ink Business Preferred®
While Chase Ink Business Preferred® charges a low annual fee of $95, it doesn’t offer a zero annual fee period. Moreover, this small business credit card doesn’t offer a 0% introductory APR. If you plan to make a large purchase, either pay your balance in full or pay an APR that ranges from 20.24% to 25.24%.
Southwest® Rapid Rewards® Performance Business Credit Card: Best for Earning Premium Southwest Travel Rewards & Perks
Who Is the Southwest® Rapid Rewards® Performance Business Credit Card Best For?
The Southwest® Rapid Rewards® Performance Business Credit Card is best for business owners who fly with Southwest Airlines frequently and want to enjoy premium rewards and exclusive travel perks. Additionally, it offers in-flight Wi-Fi credits, Global Entry or TSA PreCheck® fee credit, and up to four upgraded boardings per year.
In addition, you can earn 4x points on Southwest Airlines purchases and 3x points on purchases at Rapid Rewards hotel and car rental partners. You also get 2x points on social media advertising, local transit, internet, cable, and phone services, and 1x points on all other purchases.
Consider this card if you want to redeem rewards for hotel stays and car rentals all across the US. Keep in mind that it comes with an annual fee of $199. If you’re a loyal Southwest Airlines traveler but don’t want to pay a high annual fee, check out the Southwest® Rapid Rewards® Premier Business Credit Card. Meanwhile, if you travel frequently but aren’t loyal to a particular airline, you may benefit more from Chase Ink Business Preferred®.
Why We Like the Southwest® Rapid Rewards® Performance Business Credit Card
- Sign-up bonus: Receive 80,000 points when you spend $5,000 on purchases within the first three months of card ownership.
- Premium rewards and perks: Enjoy premium rewards on Southwest purchases and perks, including in-flight Wi-Fi credits, Global Entry or TSA PreCheck® fee credit, and up to four upgraded boardings per year.
- No foreign transaction fees: Use this card to make purchases outside of the country without additional cost.
- Anniversary bonus points: Receive 9,000 bonus points each year after your card membership anniversary.
- Unlimited tier qualifying points: Earn unlimited 1,500 tier qualifying points (TQPs) for every $10,000 spent. This can help you qualify for Rapid Rewards A-List or A-List Preferred status, which will grant you access to priority lanes and express lanes.
- $500 statement credit: Get reimbursed up to $500 for fees incurred when you use your card to transfer points to another Rapid Rewards member.
What’s Missing From the Southwest® Rapid Rewards® Performance Business Credit Card
The Southwest® Rapid Rewards® Performance Business Credit Card doesn’t offer a zero annual fee period—you’ll be charged an annual fee of $199 right away. Additionally, it doesn’t offer a 0% introductory APR, which means you’ll pay an APR ranging from 20.24% to 27.24% if you plan to make a large purchase and carry a balance.
Both the Southwest® Rapid Rewards® Performance Business and Chase Ink Business Preferred® credit cards made it to our list of the best business travel credit cards because of their lucrative travel rewards and perks.
Southwest® Rapid Rewards® Premier Business Credit Card: Best Low Annual Fee Southwest® Card
Who Is the Southwest® Rapid Rewards® Premier Business Credit Card Best For?
The Southwest Rapid Rewards® Premier Business credit card is designed for business owners who are frequent Southwest Airlines flyers and prefer a co-branded Southwest credit card with a low annual fee. You can earn rewards for purchases made directly with Southwest Airlines that can be redeemed for free flights. It’s also an excellent option if you check in a bag, as it offers free check-in for your first and second bags.
It offers 3x points on Southwest Airlines® purchases, 2x points on local transit, Rapid Rewards hotel, and car rental partner purchases, and 1x points on all other purchases. It’s a good option if you don’t need exclusive travel perks like in-flight Wi-Fi credits, Global Entry or TSA PreCheck® fee credit, and upgraded boardings. If you want these features, consider applying for a Southwest® Rapid Rewards® Performance Business Credit Card. If you fly with different airlines, you may benefit more from Chase Ink Business Preferred®.
Why We Like the Southwest Rapid Rewards® Premier Business Credit Card
- Sign-up bonus: Earn 60,000 points after spending $3,000 on purchases within the first three months of card membership.
- Anniversary bonus points: Receive 6,000 bonus points each year after your card membership anniversary.
- 25% back on in-flight purchases: Receive 25% back on Southwest Airlines in-flight purchases (including drinks and Wi-Fi) made with your card in the form of a statement credit.
- Unlimited tier qualifying points: Earn unlimited 1,500 tier qualifying points towards A-List status for every $10,000 spent. This status will grant you access to priority lanes and express lanes.
- Low annual fee: For a low annual fee of $99 per year, you can earn unlimited rewards on your purchases that can be redeemed for flights with Southwest Airlines.
- No foreign transaction fees: No need to worry about additional costs when you use your card to make purchases outside of the US.
What’s Missing From the Southwest Rapid Rewards® Premier Business Credit Card
While the Southwest Rapid Rewards® Premier Business Credit Card charges a low annual fee, it doesn’t offer a zero annual fee period—you need to pay the annual fee of $99 right away. Also, unlike the Southwest® Rapid Rewards® Performance Business Credit Card, it doesn’t offer premium Southwest Airlines travel perks like upgraded boardings, inflight Wi-Fi credits, and Global Entry or TSA PreCheck® fee credit. Plus, it doesn’t provide an interest-free financing period.
United ClubSM Business Card: Best for Luxury Travel With United Airlines
Who Is the UnitedSM Club Business Card Best For?
The UnitedSM Club Business Card is designed for business owners who are frequent United Airlines flyers and want to enjoy luxury travel perks, including free access to airport lounges worldwide with high-speed internet and complimentary beverages. The annual fee of $450 includes a United ClubSM membership, which is valued at $650 per year. You can earn travel rewards on your purchases that can be redeemed for a free flight with United Airlines and its affiliates.
Additionally, it offers 2x miles on purchases at United Airlines, including tickets, upgrades, inflight food, beverages, Wi-Fi, and other United charges, and 1.5x miles on all other purchases. You and a traveling companion can also check in two bags each for free, allowing you to save up to $320 on checked luggage per round trip. If you’re a frequent traveler on United Airlines but don’t need these luxury travel perks, you may benefit more from the UnitedSM Business Card, which has a lower annual fee of $99.
Why We Like the UnitedSM Club Business Card
- United ClubSM Membership: As a United ClubSM member, you and your traveling companions can enjoy access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide. For this reason, the UnitedSM Club Business Card is one of our top-recommended business credit cards with airport lounge access.
- Sign-up bonus: Receive up to 75,000 bonus miles when you spend $5,000 in the first three months of card membership.
- No foreign transaction fee: Use your card for international purchases without worrying about foreign transaction fees.
- 25% back on inflight purchases: Save 25% on purchases of food, beverages, and Wi-Fi on United- and United Express-operated flights. You’ll earn this as a statement credit.
- Two free checked bags: You and one other traveling companion on the same reservation can check in two bags each for free.
- Premier Access® travel services: Receive preferential treatment and enjoy priority check-in, security screening, boarding, and baggage handling privileges.
- Earn Premier Qualifying Points (PQPs): Earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year. This allows you to qualify for Premier status up to Premier 1K level, which provides benefits like complimentary access to Economy Plus®, preferred seating, waived fees, upgrades, and priority travel services.
What’s Missing From the UnitedSM Club Business Card
The UnitedSM Club Business Card has a high ongoing annual fee and doesn’t offer a 0% introductory APR period. If you need to make a large purchase, you should either pay your balance in full every month or carry a balance and pay an APR ranging from 20.24% to 27.24%. Moreover, it only offers 2x miles on United Airlines purchases, which is below average compared to the co-branded Southwest Airlines credit cards.
UnitedSM Business Card: Best United Airlines Card With a Low Annual Fee
Who Is the UnitedSM Business Card Best For?
The UnitedSM Business Card is best for business owners who travel primarily with United Airlines but don’t need a United Club membership. It comes with a low annual fee of $99 and offers travel rewards that can be redeemed for free flights on United Airlines and its partners. You can also enjoy travel perks like a free checked bag, two United Club passes per year, 25% back on United inflight purchases, and priority boarding.
This card offers 2x miles on purchases at United Airlines, restaurants, gas stations, office supply stores, and on local transit, and 1x miles on all other purchases. It’s a great option if you don’t need to access United Club locations and participating Star Alliance™’s affiliated lounges more than twice a year. If you fly with United Airlines frequently and want to have access to airport lounges worldwide every time you travel, you may benefit more from the United ClubSM Business Card.
Why We Like the UnitedSM Business Card
- Sign-up bonus: Earn up to 75,000 bonus miles after spending $5,000 in the first three months.
- No foreign transaction fee: Use your card for purchases outside of the US without having to pay foreign transaction fees. It’s one of our top business credit cards with no foreign transaction fee because it offers additional perks like priority boarding and a free checked bag.
- 25% back on inflight purchases: Receive 25% cash back as a statement credit on purchases of food, beverages, and Wi-Fi on United- and United Express-operated flights.
- Free checked baggage: Enjoy one free checked bag each for you and a traveling companion and save as much as $70 per person for a roundtrip flight.
- $100 annual travel credit: Receive a $100 statement credit per year when you make a total of seven United travel-related purchases, including seat upgrades, Economy Plus®, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
- Priority boarding: You and your companions traveling on the same reservation are eligible for priority boarding prior to general boarding.
- Earn Premier Qualifying Points (PQPs): Earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year. This allows you to qualify for Premier status, which provides benefits like complimentary access to Economy Plus®, preferred seating, waived fees, upgrades, and priority travel services.
What’s Missing From the UnitedSM Business Card
While the UnitedSM Business Card has a low ongoing annual fee, it doesn’t waive the annual fee for the first year. Also, it doesn’t offer an opportunity for interest-free financing—this means that you need to pay your balance in full every month or you’ll be charged an APR ranging from 17.99% to 24.99%. Additionally, the ongoing rewards offered by this card are lower compared to other co-branded airline credit cards.
World of Hyatt Business Credit Card: Best for Loyal Hyatt Hotels Customers
Who Is the World of Hyatt Business Credit Card Best For?
The World of Hyatt Business Credit Card is best for business owners who primarily stay at Hyatt hotels. You can earn as much as 9x points for every dollar spent on Hyatt hotels and enjoy perks such as annual Hyatt credit of up to $100, free night awards, and World of Hyatt Discoverist status. It also lets you convert your World of Hyatt points into miles with any of World of Hyatt’s airline partners, making it a great card if you’re a frequent traveler.
Moreover, the card offers 2x points per dollar in your top three categories each quarter through 12/31/22, then your top two categories each quarter after 12/31/22. You can also earn 2x points per dollar spent on fitness club and gym memberships and 1x point on all other purchases. If you want to earn travel rewards that can be used for stays at different hotels, you may benefit more from the Chase Ink Business Preferred®.
Why We Like the World of Hyatt Business Credit Card
- Sign-up bonus: Earn 60,000 bonus points after spending $5,000 within the first three months after opening an account.
- World of Hyatt membership bonus points: Earn a total of 9x points per dollar spent at Hyatt hotels—4x bonus points at Hyatt hotels plus 5x base points from Hyatt per eligible $1 spent for being a World of Hyatt member.
- 10% Bonus Point Redemption Bonus: Spend $50,000 or more on purchases and receive 10% bonus points back on up to a total of 200,000 points that you redeem for free night awards.
- $100 annual Hyatt credit: Receive a $50 statement credit per qualifying Hyatt purchase up to two times each anniversary year.
- Hyatt Leverage membership: You’ll be enrolled in the Hyatt Leverage Program and receive a World of Hyatt Discoverist status for as long as your account is open. This allows you to enjoy perks such as premium complimentary internet, late checkout, and room upgrades.
- No foreign transaction fee: You can use your card to make purchases outside of the US without having to pay foreign transaction fees.
What’s Missing From the World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card charges an annual fee of $199 per year, and it doesn’t waive the annual fee for the first year. Plus, it doesn’t offer a 0% introductory APR, which is a disadvantage if you want to finance a large purchase.
IHG® Rewards Premier Business Credit Card: Best for Staying at IHG® Hotels & Resorts
Who Is the IHG® Rewards Premier Business Credit Card Best For?
The IHG® Rewards Premier Business Credit Card is designed for business owners who travel frequently and stay primarily at IHG® Hotels & Resorts. You can earn up to 26x points on purchases at IHG® Hotels & Resorts and redeem your rewards for hotel stays or for miles with IHG’s partner airlines. It also grants travel benefits such as no foreign transaction fees, Global Entry and TSA PreCheck® credit, and trip cancellation/interruption insurance.
Also enjoy 5x total points on travel, dining, social media and search engine advertising, office supplies, and gas, and 3x points on all other purchases with this card. While it offers generous rewards, you cannot redeem your points as a statement credit. If you want to use your rewards for any hotels and airlines, consider Chase Ink Business Preferred®.
Why We Like the IHG® Rewards Premier Business Credit Card
- Premium rewards: Receive premium rewards on your purchases at IHG® Hotels & Resorts and on other business-related purchases. This is the only Chase business credit card that offers 3x points on all other purchases.
- Sign-up bonus: Earn 140,000 bonus points when you spend $3,000 on purchases in the first three months after opening an account.
- Anniversary free night: Each account anniversary year, receive a free night’s stay at IHG hotels worldwide.
- No foreign transaction fee: Use it to make purchases outside of the US without having to pay international fees.
- Platinum Elite status: Receive automatic Platinum Elite status and enjoy benefits such as additional 6x points from IHG® when you spend at IHG® Hotels and Resorts.
What’s Missing From the IHG® Rewards Premier Business Credit Card
The IHG® Rewards Premier Business Credit Card doesn’t offer 0% introductory APR on purchases and balance transfers. It also doesn’t waive the $99 annual fee for the first year. Further, your rewards may not be redeemed as a statement credit.
The Chase Ultimate Rewards® Program & How It Works
The Chase Ultimate Rewards® is a point-system rewards program exclusive to Chase-branded credit cards. If your credit card earns cash back, your rewards are tracked as points. Each $1 cash back is equal to 100 points, and points don’t expire as long as your account remains open. However, you will 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 so you can 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® travel partner programs include the following:
- Aer Lingus AerClub
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- British Airways Executive Club
- Iberia Plus
- Emirates Skywards
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
- IHG Rewards Club
- Marriott Bonvoy
- World of Hyatt
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.
- Step2: 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.
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 type of 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. To find other card options, visit our Credit Card Marketplace and check out our guide to the best small business credit cards.
