Editor’s note: This is a recurring post with regularly updated card details.
Chase business credit cards are best for business owners wanting to earn high sign-up bonuses and unlimited rewards. Chase has a total of 10 cards—with some providing cash back and others offering points-based rewards—and six of them are cobranded cards that are ideal for frequent travelers.
Here are the 10 best Chase business credit cards:
- Chase Ink Business Unlimited: Best for earning fixed-rate cash back
- Chase Ink Business Preferred: Best for earning travel rewards and lucrative sign-up bonuses
- Chase Ink Business Cash: Best for office supply and telecommunications expenses
- Chase Ink Business Premier: Best for those who frequently make large purchases
- Southwest Rapid Rewards Performance Business: Best for earning premium Southwest travel rewards & perks
- Southwest Rapid Rewards Premier Business: Best low annual fee Southwest card
- United Club Business: Best for luxury travel with United Airlines
- United Business: Best United Airlines card with a low annual fee
- World of Hyatt Business: Best for loyal Hyatt Hotels customers
- IHG One Rewards Premier Business: Best for staying at IHG hotels and resorts
Chase Business Credit Cards of 2023 At a Glance
Best For | Introductory APR period | Annual Fee | Introductory Offer | Ongoing Rewards | ||
|---|---|---|---|---|---|---|
 Chase Ink Business Unlimited® | Earning fixed-rate cash back | 0% on purchases for the first 12 billing cycles | None | 1.5% cash back | ||
 Chase Ink Business Preferred® | Earning travel rewards and lucrative sign-up bonuses | None | $95 | Up to 3x points | ||
 Chase Ink Business® Cash | Office supply and telecommunications expenses | 0% on purchases for the first 12 billing cycles | None | Up to 5% cash back | ||
 Chase Ink Business PremierSM | Those who frequently make large purchases | None | $195 | Up to 2.5% cash back | ||
 Southwest® Rapid Rewards® Performance Business | Earning premium Southwest travel rewards and perks | None | $199 | Up to 4x points | ||
 Southwest® Rapid Rewards® Premier Business | Those who want a low annual fee Southwest card | None | $99 | Up to 3x points | ||
 United ClubSM Business | Luxury travel with United Airlines | None | $450 | Up to 2x miles | ||
 UnitedSM Business | Those seeking a United Airlines card with a low annual fee | None | None for the first year, then $99 | Up to 2x miles | ||
 World of Hyatt Business | Loyal Hyatt Hotels customers | None | $199 | Up to 9x points | ||
 IHG® One Rewards Premier Business | Staying at IHG hotels and resorts | None | $99 | Up to 26x points | ||
Note: To qualify, all these cards require you to have a good to excellent credit score. | ||||||
Chase offers a variety of business credit cards with cash back rewards, travel rewards, sign-up bonuses, and no-interest financing—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.
1. Preferred Rewards
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:
- Chase 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:
- Chase Ink Business Cash®
- Chase Ink Business Unlimited®
- Chase Ink Business PremierSM
For points-based rewards credit cards, choose from:
- Chase Ink Business Preferred®
- World of Hyatt Business
- IHG® One Rewards Premier Business
2. Annual Fees
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®.
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® or Chase Ink Business Cash®, as both offer interest-free financing on purchases.
Chase Ink Business Unlimited®: Best for Earning Fixed-rate Cash Back
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.
When To Consider Chase Ink Business Unlimited®
This is a great Chase business credit card for those who are looking for fixed-rate cash back rewards. It also offers a 0% introductory period on purchases for the first 12 billing cycles. It is also viable if you intend to apply for a business credit card as it uses your personal credit history to check whether you qualify for the card. These are why it is also our best small business credit card and our top credit card for new businesses with no credit history.
Reward:
- 1.5% cash back on all business-related purchases
Other benefits:
- Earn $900 cash back after spending $6,000 on purchases within the first three months after account opening
- Pay off your credit card bills on equal monthly installments through My Chase PlanSM. Note that a fixed monthly fee will be added to your bill when you choose to pay it with this option
- Get 5% cash back on Lyft rides until March 2025
Important Considerations:
- It does not offer a 0% introductory period on balance transfers.
- It charges a high cash advance and penalty interest rates.
Chase Ink Business Preferred®: Best for Earning Travel Rewards & Lucrative Sign-up Bonuses
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- 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
- No 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 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 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
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- 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
- No 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 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 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
When To Consider Chase Ink Business Preferred®
This is an excellent Chase business credit card for those who travel frequently and have advertising purchases on social media sites and search engines. It offers premium points on selected spending categories, including travel. It also offers a substantial introductory bonus with reasonable regular interest rates, making it our best high-limit business credit card and one of our recommended business credit cards for restaurant owners.
Rewards:
- 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
Other benefits:
- Earn 100,000 bonus points after spending $8,000 on purchases within the first three months of card opening (equivalent to $1,000 in cash back or $1,250 toward travel rewards when redeeming it through the Chase Ultimate Rewards®)
- Redeem your points for travel, cash back, or gifts through the Chase Ultimate Rewards
- Receive reimbursement of up to $5,000 per person and $10,000 per trip for your pre-paid non-refundable travel purchases in the event your trip is canceled or cut short by sickness, severe weather, and other covered situations
Important Considerations:
- It does not offer a 0% introductory period on balance transfers.
- Charges an annual fee of $95.
Chase Ink Business Cash®: Best for Office Supply & Telecom Expenses
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
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 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.
- 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
- Member FDIC
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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
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 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.
- 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
- Member FDIC
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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
When To Consider Chase Ink Business Cash®
It is an ideal Chase business credit card for office-based businesses as it lets you earn premium cash back rewards on purchases made at office supply stores and on internet, cable, and phone services. It also offers a 0% introductory period on purchases for the first 12 billing cycles. Its premium rewards in these categories are why it is one of our leading business credit cards for consultants.
Rewards:
- 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
Other benefits:
- Receive $900 cash back after spending $6,000 on purchases within the first three months after card ownership
- Lets you add employee cards at no additional cost
- Protects your new purchases for 120 days against damage or theft and gets up to $10,000 per claim and $50,000 per account
Important Considerations:
- It does not offer a 0% introductory period on balance transfers.
- It charges a high cash advance fee of either $15 or 5% of the amount of each cash advance, whichever is greater.
Chase Ink Business PremierSM: Best for Those Who Make Large Purchases Frequently
Ink Business Premier℠ Credit Card
BEST FOR:
Those who frequently make large purchases
Intro APR
N/A
Regular APR
Flex for Business variable APR: 19.49% - 27.49%
Annual Fee
$195
Credit Needed
Good - Excellent
- 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 of $195
- 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 US 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
N/A
Regular APR
Flex for Business variable APR: 19.49% - 27.49%
Annual Fee
$195
Credit Needed
Good - Excellent
- 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 of $195
- 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 US 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.
When To Consider Chase Ink Business PremierSM
This is a viable Chase business credit card for those who make large purchases frequently and can pay it in full. Despite charging a high annual fee of $195, its cash back rewards can help offset it by making a minimum of $5,000 or more in single purchases. Also, this card also does not charge foreign transaction fees, making it one of our preferred business credit cards for travel and best cash back business cards.
Rewards:
- 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
Other benefits:
- Receive $1,000 bonus cash back after spending $10,000 within the first three months after account opening
- Get up to $1,000 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill. Note that a maximum of 3 claims within a 12-month period is required to take advantage of this and that it comes with a $100 deductible per claim.
- Use a portion of your Credit Access Line for qualifying purchases over time with interest through Flex for Business
Important Considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It requires you to make large purchases within a short period to secure the sign-up bonus.
- It requires you to pay your balances in full to gain access to premium rewards over time.
- Charges an annual fee of $195.
Southwest® Rapid Rewards® Performance Business Credit Card: 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
- 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
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
- 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.
When To Consider Southwest® Rapid Rewards® Performance Business Credit Card
It is an excellent Chase business credit card if you fly with Southwest Airlines frequently and want 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.
Rewards:
- 4x points per dollar spent directly on Southwest Airlines®, including flights, in-flight 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
- 9,000 bonus points on each account anniversary
Other benefits
- Earn 80,000 points after spending $5,000 on purchases within the first three months of opening an account.
- Receive the following additional rewards:
- Four upgraded boardings per year
- 1,500 tier qualifying points for every $10,000 spent, which can be used to apply for Rapid Rewards A-List or A-List Preferred status
- $500 fee credit for points transfers per year
- Up to $100 in statement credit every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS
- Up to 365 Inflight Wi-Fi credits per year
- Up to 100,000 bonus points per year for every referral who gets any Southwest Rapid Rewards Credit Card
- Decline the rental company’s collision insurance and charge the entire rental cost to your card to receive auto rental collision damage waiver.
- Add employee cards at no additional cost
- Enjoy no foreign transaction fees
Important Considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- Charges an annual fee of $199.
Southwest® Rapid Rewards® Premier Business Credit Card: Best Low Annual Fee Southwest® Card
Southwest® Rapid Rewards® Premier Business Credit Card
BEST FOR:
Those who fly Southwest Airlines frequently
Intro APR
N/A
Regular APR
21.49% - 28.49% Variable
Annual Fee
$99
Credit 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
- With sign-up bonus
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
N/A
Regular APR
21.49% - 28.49% Variable
Annual Fee
$99
Credit 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
- With sign-up bonus
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.
When To Consider Southwest® Rapid Rewards® Premier Business Credit Card
This is a great Chase business credit card 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 additional rewards, which can help offset the annual fee.
Rewards:
- 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
Other benefits
- Earn 60,000 points after spending $3,000 on purchases within the first three months of opening an account.
- Receive the following additional rewards:
- 2 EarlyBird Check-In® each year
- 1,500 tier qualifying points for every $10,000 spent, which can be used to apply for Rapid Rewards A-List or A-List Preferred status
- Up to $500 in the form of statement credits per anniversary year
- Up to 100,000 bonus points per year for every referral who gets any Southwest Rapid Rewards Credit Card when using the link
- Enjoy no foreign transaction fees
- 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. Note that this must be activated by 12/31/2024.
Important Considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- Charges an annual fee of $99.
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
21.74% to 28.74% 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
- Has sign-up bonus
- 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
21.74% to 28.74% 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
- Has sign-up bonus
- 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.
When To Consider United ClubSM Business Card
This Chase business credit card is ideal if you travel with United Airlines frequently and want access to premium travel perks, such as airport lounges and free checked bags. While it charges a high annual fee of $450, this fee also includes a United ClubSM membership valued at $650 per year. This is why this card is included in our roundups of the best business credit cards for miles and the best business credit cards with airport lounge access.
Rewards:
- 2x miles per dollar spent on purchases from United® Airlines (including tickets, Economy Plus®, inflight food and beverages, Wi-Fi, and other United charges)
- 1.5x miles per dollar spent on all other purchases
Other benefits:
- Earn 75,000 bonus miles after spending $5,000 on purchases within the first three months of account opening
- Get free first and second checked bags, which can save you up to $320 per round trip
- Earn up to 1,000 Premier qualifying points (PQPs)—earn 500 PQPs for every $12,000 worth of purchases with your card
- Add employee cards at no additional cost
- Receive access to Premier Access®, which includes priority check-in, security screening, boarding, and baggage handling packages (when available)
Important Considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges a high annual fee of $450.
- Its ongoing rewards have limited flexibility on where to earn them.
UnitedSM Business Card: Best United Airlines Card With a Low Annual Fee
United℠ Business Card
BEST FOR:
Frequent United Airlines flyers who want to earn travel rewards
Intro APR
N/A
Regular APR
21.74% - 28.74% Variable
Annual Fee
$99
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 sign-up bonus
- High rewards rate
Cons
- Doesn’t offer 0% introductory annual percentage rate (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
N/A
Regular APR
21.74% - 28.74% Variable
Annual Fee
$99
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 sign-up bonus
- High rewards rate
Cons
- Doesn’t offer 0% introductory annual percentage rate (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.
When To Consider UnitedSM Business Card
It is a viable Chase business credit card if you travel with United Airlines frequently and still want to earn points rewards, as well as have the annual fees waived for the first year. It does not charge foreign transaction fees and offers travel perks such as checked bags, United Club passes, and priority boarding. This is why this card is included in our lists of the best business cards for miles and the best business credit cards for consultants.
Rewards:
- 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
Other benefits:
- Earn 75,000 bonus miles after spending $5,000 on purchases within the first three months of account opening
- Receive your first checked bag for free, which can save you up to $140 per round trip
- Earn up to 1,000 Premier qualifying points (PQPs)—earn 500 PQPs for every $12,000 worth of purchases with your card
- Add employee cards at no additional cost
- Enjoy zero foreign transaction fees
- Earn a $100 United travel credit after making seven (7) United flight purchases of $100 or more within each card anniversary year
Important Considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $99 starting the second year.
- It requires a separate payment to take advantage of the unlimited access to United Club.
World of Hyatt Business Credit Card: Best for Loyal Hyatt Hotels Customers
World of Hyatt Business Credit Card
BEST FOR:
Those who primarily stay at Hyatt hotels
Intro APR
N/A
Regular APR
21.49% - 28.49% 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. 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
- With sign-up bonus
- Doesn’t charge foreign transaction fees
- Premium features and rewards
Cons
- Charges annual fee
- Doesn’t have 0% introductory annual percentage rate (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
21.49% - 28.49% 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. 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
- With sign-up bonus
- Doesn’t charge foreign transaction fees
- Premium features and rewards
Cons
- Charges annual fee
- Doesn’t have 0% introductory annual percentage rate (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.
When To Consider World of Hyatt Business Credit Card
This is a great Chase business credit card if you stay at any World of Hyatt property frequently and want to earn premium rewards for it. It also lets you earn bonus points on your chosen spending categories, without caps or restrictions on how many bonus points you can earn.
Rewards:
- Up to 9x bonus points per dollar spent on purchases made at Hyatt hotels—4x bonus points per dollar spent at Hyatt hotels, plus 5x bonus 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 & commuting
- Social media & search engine advertising
- Car rental agencies
- Gas stations
- Internet, cable & phone services
- 2x bonus points per dollar spent on fitness clubs and gym memberships
- 1x bonus points per dollar spent on all other purchases
Other benefits:
- Earn up to 75,000 bonus points—60,000 bonus points after spending $5,000 on purchases within the first three months from account opening and an additional 15,000 bonus points after spending $12,000 on purchases within the first six months from account opening. Offer ends 10/18/2023
- Receive up to $100 in Hyatt statement credits—spending $50 or more at any Hyatt property will earn you $50 statement credits up to two times each anniversary year
- Get 10% redemption points bank for the rest of the year after spending $50,000 in a calendar year (can redeem up to 200,000 points)
- Add employee cards at no additional cost
- Secure reimbursement of up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares if your trip is canceled or cut short by sickness, severe weather, and other covered situations
Important Considerations:
- It charges an annual fee of $199.
- It does not have a 0% introductory period on purchases and balance transfers.
IHG® One Rewards Premier Business Credit Card: Best for Staying at IHG® Hotels & Resorts
IHG One Rewards Premier Business Credit Card
BEST FOR:
Those who frequently stay at IHG® Hotels & Resorts
Intro APR
N/A
Regular APR
21.49% - 28.49% 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 a consecutive 4-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- 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 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 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 sign-up and anniversary bonuses
- Does not charge foreign transaction fees
Cons
- Has no 0% introductory annual percentage rate (APR)
- With annual fees
- 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 due to sickness, severe weather, and other covered situations.
Intro APR
N/A
Regular APR
21.49% - 28.49% 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 a consecutive 4-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- 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 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 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 sign-up and anniversary bonuses
- Does not charge foreign transaction fees
Cons
- Has no 0% introductory annual percentage rate (APR)
- With annual fees
- 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 due to sickness, severe weather, and other covered situations.
When To Consider IHG® Rewards Premier Business Credit Card
This is a viable Chase business credit card if you stay at any IHG property and travel frequently, as it lets you earn premium points. It also upgrades you to 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.
Rewards:
- 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 on all other purchases
Other benefits:
- Earn 140,000 bonus points after spending $3,000 on purchases within the first three months from account opening
- Receive an anniversary free night after earning at least 40,000 points
- Obtain a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year
- Enjoy an additional reward night for free after redeeming points for a consecutive four-night IHG® hotel stay
Important Considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- Charges an annual fee of $199.
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.
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.
