Best Chase Business Credit Cards

The best Chase business credit cards have great rewards rates, valuable bonus offers and allow cardholders to make the most of the Chase Ultimate Rewards program. Some are geared toward business owners who travel, while others are better for people who prefer to redeem rewards for cash back, merchandise or gift cards.

If you’re in the market for a business card from Chase, consider the following top Chase credit card options to see which one might work best for your goals. We break down the best cards by business needs to help you choose your next business credit card.

Top Chase Business cards

Best for flat-rate cash back

Ink Business Unlimited® Credit Card

Rating: 4.2 stars out of 5

4.2

• Bankrate’s view

  If you’re a minimalist who can’t be bothered to track spending categories and you divide your budget evenly across all purchases you make, the Ink Business Unlimited may be your best option for earning rewards. This card’s flat rewards rate is just a touch higher than the base 1 percent rate on tiered category cards, but it doesn’t charge an annual fee, so you won’t need to worry about offsetting any recurring costs.

• Pros and cons

  

  Pros

  • The card’s lack of annual fee makes it an excellent choice for small-budget business owners who keep card spending to a minimum.
  • The intro APR offer for new purchases can help you meet the welcome offer spending requirement without worrying about interest charges for the first 12 months.

  

  Cons

  • The card’s flat-rate rewards program, while simplistic, may not earn the most rewards for purchases in several common categories.
  • The spending requirement for its welcome offer may be out of reach for business owners with low budgets.

Best for bonus categories

Ink Business Cash® Credit Card

Rating: 4.3 stars out of 5

4.3

• Bankrate’s view

  You can make the most of this card’s rewards if you spend heavily on office supplies and telecommunication services. Although this card has an annual spending cap for earning its best rewards rate, you can earn at least $1,250 in rewards value before Chase reduces your rewards rate to 1 percent.

• Pros and cons

  

  Pros

  • There’s no annual fee to offset rewards earnings, making it a great pick for cost-conscious business owners.
  • New business owners who need to make a lot of initial investments will appreciate its intro APR offer on new purchases.

  

  Cons

  • The card’s spending caps are restrictive for big-budget spenders who might exceed the cap on earning boosted rewards.
  • Certain business owners, like those who operate remote or many small businesses, may not benefit from this card’s rewards categories.

Best for luxury business travel

Sapphire Reserve for Business℠

Rating: 4.9 stars out of 5

4.9

• Bankrate’s view

  Chase’s new business credit card takes regular business spending rewards to the next level with elevated rates on Chase Travel℠ bookings, direct bookings with airlines and hotels and advertising purchases made with social media sites and search engines. But its true value lies in its luxury travel perks to help you offset the eye-catching annual fee.

• Pros and cons

  

  Pros

  • Its rewards rates beat out competing cards’ rates and provide plenty of value through business travel spending.
  • The long list of annual credits and perks are useful for travel and can help offset the high annual fee.

  

  Cons

  • If you’re not a frequent traveler, it may be difficult to take advantage of all the cards’ benefits.
  • The bonus categories, while useful, may not apply to every business’ needs.

Best for big spenders

Ink Business Premier® Credit Card

Rating: 3.4 stars out of 5

3.4

• Bankrate’s view

  If you’re a business owner with a big budget, frequent travel plans and routine expenses, you’ll find the Ink Business Premier offers a lot of value. This business travel card provides travel protections, perks, tiered rewards and a generous flat rewards rate for an annual fee of $195. This fee is relatively high, but you can offset it by spending roughly $4,000 annually in the card’s 5 percent cash back category. If you travel often for business and don’t mind booking in the Chase travel portal, this card’s rewards will quickly justify its cost.

• Pros and cons

  

  Pros

  • This card has one of the highest welcome offers available on any cash back credit card, valued at $1,000.
  • The card’s rewards blend tiered and flat-rate cash back, which can help you offset its high annual fee.

  

  Cons

  • Its high annual fee may not be worth it if you don’t spend routinely in this card’s boosted categories.
  • The card’s limited redemption methods make it difficult to maximize your rewards in the Chase Ultimate Rewards portal.

Best for common business expenses

Ink Business Preferred® Credit Card

Rating: 4.1 stars out of 5

4.1

• Bankrate’s view

  The Ink Business Preferred is best for flexible travel because you can use the Chase Ultimate Rewards portal to transfer points at a 1:1 rate to popular Chase travel partners like Southwest Rapid Rewards, United MileagePlus, British Airways and World of Hyatt. If you choose to transfer your points, your points may be worth around 2.0 cents each, according to recent Bankrate points and miles valuations.

• Pros and cons

  

  Pros

  • This card’s boosted rewards and high welcome offer will help you build a healthy balance of points to fund your travel.
  • Its modest annual fee is easy to offset with regular spending.

  

  Cons

  • Compared to competitors, the card doesn’t offer any stand-out business benefits, such as accounting software integrations
  • The card’s boosted rewards are restricted to select categories and capped at $150,000 in combined spending.

Compare the best Chase business cards

Chase business credit cards typically require good to excellent credit to qualify. If you have bad or fair credit, consider our top picks for business cards with no personal credit check.

The information about the Ink Business Premier® Credit Card and Ink Business Preferred® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

How to choose a Chase business card

Chase business cards offer a variety of perks and reward opportunities. However, some cards are better suited to certain business owners than others. Consider the following factors to choose the right Chase business credit card for your needs.

• Cash back, points or miles: The best Chase business cards earn rewards, but it’s up to you to determine if you want cash back, points or miles. Cash back is simple, but points and miles can be the most rewarding if you redeem them for travel.
• Reward categories: Some of these cards have business-specific rewards categories, but some have flat-rate rewards based on your spending. Choose a card that gives you the most rewards possible for your biggest spending categories.
• Welcome offer: Almost all Chase business cards have welcome offers through which you can get a windfall of points or cash back. Compare the spending requirements to choose one that you can meet in your business budget and provides you plenty of value.
• Perks and benefits: Chase business cards come with free employee cards, fraud protection, auto rental coverage and more. Some also offer travel perks like TSA PreCheck or Global Entry application credit, free checked bags and in-flight discounts. Pick a card with practical perks you’d use. If you won’t use any of them, the card may not be worth having.

Which Chase business card is right for you?

Here’s a breakdown of which business card from Chase could benefit your business with its rewards rates, based on industry.

Benefits of Chase business credit cards

Chase business credit cards have numerous benefits, but there are a few general conveniences worth calling out.

• Chase Ultimate Rewards program

  Many Chase business credit cards — like the Ink Business Unlimited, Ink Business Cash and Ink Business Preferred — are a part of the Chase Ultimate Rewards program. This issuer rewards portal is one of the most popular and flexible available. It offers various redemption options, including point transfers that allow you to squeeze more value out of your rewards points.

• Variety of business card options to choose from

  Chase offers cards with different reward structures, fees (or lack of fees), benefits, welcome bonuses, redemption options and more. You’ll have a better chance of finding the right business card for your needs if you research the issuer’s top credit cards to understand what’s available.

• Free employee cards

  Chase business credit cards also offer free employee cards. You can set up individual card limits or other restrictions for your employees, plus benefit from employees’ spending by earning rewards for their purchases.

The bottom line

The best Chase business credit card for you depends on the type of rewards you want to earn, the perks you’re looking for and whether you want to pay an annual fee. But before you count out other card issuers’ offerings, explore some of the best business credit cards on the market to see if one best fits your spending habits and financial needs.

Frequently asked questions about Chase business credit cards

• Do you have to bank with Chase to get a Chase business credit card?

  No, you do not have to have a bank account with Chase to become a credit card customer. However, Chase may boost your approval odds if you’re a customer with an established personal or business checking or savings account.

• Can you access your Chase small business credit card account online?

  Yes, you can access your Chase business card account online or through the Chase mobile app. Doing so makes tracking your spending, paying your bill or reviewing your rewards balance easier.

• Do you need an Employer Identification Number to apply?

  No, you don’t need an employer identification number (EIN) to apply for a business credit card from Chase or any other bank. You can apply as a sole proprietor without an EIN using your Social Security number (SSN).