Editorial and Partnership Disclosure Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
card_name is an excellent travel rewards card for business owners who don’t want to pay a high annual fee. It allows you to maximize rewards, access unique additional perks like cellphone insurance, and add employee cards at no additional cost.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
card_name
BEST FOR:
Maximizing travel rewards at a lower annual fee
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
The Fit Small Business editorial policy is rooted in the company’s mission, which is to deliver the best answers to people’s questions. This serves as the foundation for all content, demonstrating a clear dedication to providing valuable and reliable information. Our team leverages its expertise and extensive research capabilities to identify and address the specific questions our audience has—and this ensures that our content is rooted in knowledge and accuracy.
In addition, we employ a comprehensive editorial process that involves expert writers. This process ensures that articles are well-researched and organized, offering in-depth insights and recommendations. Fit Small Business maintains stringent parameters for determining the “best” answers, including accuracy, clarity, authority, objectivity, and accessibility, and these see to it that our content is trustworthy, easy to understand, and unbiased.
When grading small business travel rewards credit cards like the card_name, we first consider ongoing rewards, introductory rewards, and additional features. We also consider the annual fee and its introductory and ongoing Annual Percentage Rates (APRs).
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 22 | 25 |
Introductory Rewards | 23 | 25 |
Additional Features | 25 | 25 |
Annual Fee | 7 | 15 |
Introductory APR | 0 | 5 |
Ongoing APR | 3 | 5 |
Total Score | 80 | 100 |
Who the card_name Is Best For
- Those who travel frequently: It lets you earn 3 points per dollar spent on the first $150,000 on selected categories, including travel.
- Those that purchase advertising on social media sites: It’s ideal for businesses that buy advertising through either Facebook or Google regularly because it offers generous rewards for online ad purchases.
- Those who need employee cards: It allows you to add employee cards for free, set individual employee spending limits, and monitor business-related expenses.
See our recommended alternatives below if this card isn’t the best fit for your business.
card_name Rewards
- bonus_miles_full
- 3x points per dollar spent on the first $150,000 spent in combined purchases in four categories for each account anniversary year; categories include travel, shipping purchases, advertising on search engines and social media sites, and expenses on internet, cable, and phone services
- Unlimited 1 point per dollar spent on all other purchases; points don’t expire for as long as your account is active
- 5x points on Lyft rides until March 2025
card_name Calculator
Through our calculator, find out how much you can earn from card_name based on your estimated monthly expenses. Just enter your expected monthly spending, and our calculator will do the rest.
Note that each point redeemed through the Chase Ultimate Rewards is valued at 1.25 cents.
How to Redeem card_name Rewards
Points are worth 25% more after redeeming for travel through Chase Travel (for example, 100,000 points are worth $1,250 towards travel). You can also do a 1:1 point transfer to participating travel programs (discussed further below).
You can redeem your rewards for travel, cash back, or gift cards. The redemption value for cash back is $0.01 per point, meaning every 100 points equals $1 in redemption value. When redeeming your points through travel booked through Chase Travel, each point is worth $0.0125 cents, meaning every 100 points equals $1.25 in redemption value.
1:1 Point Transfer
You can transfer earned Chase Ultimate Rewards points to participating in frequent travel programs at full 1:1 value—meaning one Chase Ultimate Rewards point equals one partner mile/point. Below are the participating airline travel and hotel travel partners:
Airline Travel Partner | Hotel Travel Partners |
|---|---|
|
|
card_name Features
Travel and purchase coverage
- Trip cancellation/trip interruption insurance: Be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses that were canceled or cut short by sickness, severe weather, and other covered situations.
- Roadside dispatch: Call 800-847-2869 anytime to dispatch the roadside assistance you need—from a tow, jump-start, and tire change to lockout service, winching, or gas delivery. Note that roadside service fees will be provided when you call and are billed to this card.
- Auto rental collision damage waiver: Decline the rental company’s collision insurance and charge the entire rental cost to this card. Note that coverage is primary when renting for business purposes and can provide reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- 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 if you pay it with this card. A maximum of three claims in 12 months with a $100 deductible per claim is available.
- Purchase protection: 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: Extend the period of the United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Card management
- Account management: Get 24/7 access to view account details and quarterly reports of up to 24 months of statement details and more through Chase Ink®.
- Separate business and personal expenses: Track expenses and maintain records for tax reports and other business needs easily by integrating this card with bookkeeping software to simplify accounting.
- Employee cards: Request employee cards at no additional cost and set individual spending limits at no additional cost.
- Build business credit: Check your credit history through Chase Ink®.
card_name Fees
APR
- Introductory: N/A
- Ongoing, balance transfer and My Chase LoanSM: reg_apr,reg_apr_type
- Penalty: Up to 29.99% variable—adjusts with the prime rate; default APR may be applied to your account indefinitely if you fail to make a minimum payment by the date and time it’s due or make a payment that’s returned unpaid
Fees
- Annual: annual_fees
- My Chase PlanSM (fixed finance charge): Monthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The fee will be determined when each My Chase Plan is created and will remain the same until it’s paid in full
- Balance transfer: balance_transfer_fees
- Cash advance: cash_advance_fee
- Foreign transaction: foreign_transaction_fee
- Late and returned payments: late_payment_fee
- Return check: None
Your due date is at least 20 days after the close of each billing cycle.
- Online or mobile app: Log in to your account, then select “Pay card.” Follow the prompts.
- Phone: Call the automated phone service at 800-436-7958.
- Mail or money order: Include your name and full account number on your check or money order—don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
- In-person: Go to the nearest Chase ATM or branch during normal business hours.
card_name Alternatives
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 17.24% - 26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 17.24% - 26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
If you intend to make large purchases and need a long 0% introductory period, we suggest the U.S. Bank Business Platinum Card. This card is also great if you don’t need rewards, as it does not offer any for its new and current cardholders.
American Express Blue Business® Plus
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Consider the American Express Blue Business® Plus if you are looking for an alternative business credit card that also lets you earn points rewards. This card also allows you to spend over your credit limit through its expanded buying power feature—note that the amount will vary based on your card usage, credit history, payment behavior, and other financial factors.
Capital One® Spark® Miles for Business
card_name
BEST FOR:
Unlimited 2x miles with every swipe
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
The Capital One® Spark® Miles for Business is an excellent choice if you want to earn miles rewards instead of points. With a low annual fee of $95 (waived for the first year), you can earn unlimited 2x miles on all business-related purchases and secure its welcome bonus with a low spending requirement.
Frequently Asked Questions (FAQs)
Having a strong credit score can increase your chances of securing the Chase Ink Business Preferred®. If you do not have a solid business credit score, Chase takes your personal credit score into consideration.
No, Chase Ink Business Preferred® does not offer airport lounge access.
Call the number on the back of your Chase credit card to request a credit limit increase for your Chase Ink Business Preferred®.
Bottom Line
Ink Business Preferred® Credit Card is a good option if you travel frequently and if part of your business expenses come from advertising through either Facebook or Google. While it doesn’t have an interest-free financing option on both purchases and balance transfers, it doesn’t charge foreign transaction fees. What’s more, you can earn 3 points per $1 on the first $150,000 spent in combined purchases in four categories for each account anniversary year.
