Find Your Best
Best Business Credit Cards for Chase in 2024
Updated: October 23, 2024
Advertising & Editorial Disclosure
MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.
Some of the top Chase business credit cards charge no annual fees, whereas others offer premium features and benefits in exchange for paying a fee. No matter which of these cards you choose, you stand to earn reward points or cash back. However, the earn rates tend to differ from one card to the next.
Depending on the card you get, you might need to pay a foreign transaction fee of up to 3% each time you use it outside of the U.S. or with international vendors. The Ink Business Preferred credit card does not charge this fee. A few Chase business credit cards come with 0% intro APR offers on purchases. The best Chase business credit cards also offer travel and purchase protection to varying degrees.
OUR REVIEW AT A GLANCE
MoneyGeek experts filter out new and existing Chase business credit cards by combing through our extensive database each month. They then select the best of the lot after accounting for aspects such as welcome offers, APRs, annual fees, foreign transaction fees and added perks.
If you’re a frequent traveler, you might benefit by taking a look at our selection of the best Chase travel credit cards.
15%Annual Fee
11%Welcome Offer
7%Cash Back, Points or Miles Rate
MoneyGeek's Take: Top 3 Chase Business Credit Cards
Quick Summary
- Ink Business Cash® Credit Card: Fantastic card for earning rewards on office supplies.
- Ink Business Unlimited® Credit Card: A great business card with a flat, simple rewards structure and no annual fees.
- Ink Business Preferred® Credit Card: A great card to maximize earning unlimited rewards.
The cash back or reward points you can earn vary based on the Chase business credit card you get, and you may benefit through higher earn rates on category-based spending. If you’re looking for higher earn rates or premium benefits, you might have to pay an annual fee. Our experts have paid attention to these factors as well as foreign transactions fees, APRs and introductory offers to select the top three Chase business credit cards. Scrolling further down the page presents a few more options.
- Ink Business Cash® Credit Card
Best for earning rewards on office supplies
- 1–5% Cash Back*Rewards Rate
- 18.49% – 24.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
The Ink Business Cash® Credit Card is a savvy choice for small businesses, offering impressive rewards for common business expenses. Its standout welcome offer, decent introductory APR offer on purchases and absence of an annual fee make it highly beneficial. Plus, you can extend its advantages to your employees at no extra cost. Just be mindful of the foreign transaction fees and ensure timely repayments after the initial offer period to avoid high interest.
Pros
- Substantial cash back on business-specific categories
- Attractive welcome offer
- No annual fee
- Introductory APR offer on purchases
- Free additional employee cards
Cons
- Limited rewards potential on non-bonus categories
- Foreign transaction fees
- Cap on cash back rewards
Introductory Offers
- Earn $350 cash back after spending $3,000 in the first three months.
- Earn an additional $400 cash back after spending $6,000 in the first six months.
Rewards
- Earn 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services.
- Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
- Earn 1% cash back on all other purchases.
Perks & Benefits
- Enjoy Zero Liability protection for unauthorized charges.
- Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.
APRS, Fees, and Penalties
- Benefit from a 0% introductory APR for 12 months on purchases, then a variable APR of 17.99% - 25.99% after that.
- No annual fee.
- Ink Business Unlimited® Credit Card
Great for simple flat-rate rewards and no annual fee
- 1.5% Cash BackRewards Rate
- 18.49% – 24.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
The Ink Business Unlimited® Credit Card is a practical choice for small business owners seeking simplicity and value. Its straightforward unlimited cash back rate on all purchases means you don't need to worry about tracking bonus categories. With a generous welcome offer, it's a great choice if you anticipate significant initial expenses. Plus, you won't have to think about offsetting the cost of this card, as there is no annual fee. Free employee cards will also help consolidate business expenses and accelerate rewards earning.
However, due to its foreign transaction fee and lack of intro APR for balance transfers, you may want to explore other options if you have frequent international expenditures or need to transfer a balance transfer. The Ink Business Unlimited® Credit Card is a versatile card offering substantial rewards and benefits for most small businesses.
Pros
- Solid flat-rate cash back
- Generous welcome offer
- Modest intro APR on purchases
Cons
- No bonus cash back
- No intro APR on balance transfers
- Foreign transaction fee
Introductory Offers
- Earn $750 cash back after spending $6,000 in the first three months.
- Enjoy a 0% introductory APR on purchases for 12 months, then a variable APR of 17.99% - 23.99% after that.
Rewards
- Earn unlimited 1.5% cash back on every business purchase.
APRS, Fees, and Penalties
- No annual fee.
Perks & Benefits
- Benefit from Zero Liability protection against unauthorized charges.
- Get round-the-clock monitoring for unusual credit card purchases.
- Add employee cards at no additional cost and set individual spending limits.
- Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.
- Ink Business Preferred® Credit Card
Great for big welcome offer and ongoing rewards
- 1–3 Points per $1Rewards Rate
- 21.24% – 26.24% VariableAPR
- $95Annual Fee
- Good–ExcellentRecommended Credit
The Ink Business Preferred® Credit Card is a robust ally for businesses, offering an impressive welcome offer that sets the tone for its value-driven features. With a rewards structure that generously caters to travel and specific business expenses, the card helps turn everyday spending into tangible benefits. Its suite of travel protections brings confidence to frequent travelers, and the modest annual fee is easily justified by the multitude of perks, including free employee cards. In short, it’s an astutely designed card that recognizes and rewards modern business dynamics.
Pros
- Impressive welcome offer
- High rewards cap
- Boosted rewards redemption through Chase
- Travel protections
- Free employee cards
Cons
- With annual fee
- No introductory APR offer
Introductory Offers
- Earn 90,000 bonus points after spending $8,000 in the first three months.
Rewards
- Earn 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year.
- Earn 1 point per dollar on all other purchases.
- Points are worth 25% more when redeemed for travel through Chase Travel.
Perks & Benefits
- Round-the-clock monitoring for unusual credit card purchases.
- Zero Liability protection ensures you're not responsible for unauthorized charges.
- Purchase Protection covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
- Redeem points for cash back, gift cards, travel, and more, with no expiration as long as the account is open.
Summary of the Best Business Cards for Chase
Go through this brief Chase business card comparison to determine which of these cards might work for you based on factors such as welcome offers, APRs, annual fees and foreign transaction fees.
- Credit CardBest ForAvg. Reward RateAnnual FeeCredit Needed
- Ink Business Cash® Credit Card
Best for earning rewards on office supplies1–5% Cash Back*$0 - Ink Business Unlimited® Credit Card
Great for simple flat-rate rewards and no annual fee1.5% Cash Back$0 - Ink Business Preferred® Credit Card
Great for big welcome offer and ongoing rewards1–3 Points per $1$95 - Southwest® Rapid Rewards® Premier Business Credit Card
A great miles credit card for international purchases with multiple miles-earning and redeeming opportunities1–2 Points per $1*$99 - United℠ Business Card
Solid travel card for United fans1–2 Miles per $1*$0 introductory annual fee for the first year, then $99.
MONEYGEEK EXPERT TIP
You can double up on welcome bonuses, spending rewards and benefits when you have both the personal and business version of a credit card. The points or miles that you earn generally go into the same loyalty account, so you can reach your redemption goals faster. -- Lee Huffman, credit card expert at BaldThoughts.com.
How to Compare Business Credit Cards & Intro Offers
Chase provides several credit cards for businesses. While these have some common features, they come with multiple differences as well. As a result, selecting one that works well for you requires comparing your options across different parameters.
- 1
Welcome offer
Chase business credit cards come with introductory offers. For example, both the Ink Business Unlimited credit card and the Ink Business Preferred credit card give you the ability to earn welcome bonuses by spending predetermined amounts within a given time period. However, these welcome offers may vary from one card to the next.
- 2
APR
The APRs that Chase charges are not standard across all its business cards. This aspect requires your attention if you don’t plan to pay off your balances in full each month. You might also benefit by looking at Chase business cards that come with time-based 0% APR offers on purchases.
- 3
Foreign transaction fee
If you intend to use your Chase business credit card outside of the U.S., consider narrowing down your options to ones that do not charge foreign transaction fees. Cards from this category that fit the bill include the Ink Business Preferred Card, the Southwest Rapid Rewards Performance Business Card, the Southwest Rapid Rewards Premier Business Card and the United Business Card.
- 4
Annual fee
You will find Chase business credit cards with no annual fees as well as ones that charge up to $199 each year. If you're considering paying an annual fee, make sure that the rewards earned and benefits received outweigh what you pay each year. No-annual-fee alternatives include the Ink Business Unlimited Card and the Ink Business Cash Card.
- 5
Co-branded or not
Chase provides co-branded hotel and airline credit cards, and you may benefit by getting one of these if you favor using any of the brands in question. Examples of co-branded cards from Chase include the Southwest Rapid Rewards Performance Business Card, the World of Hyatt Business Card and the United Business Card.
- 6
Added perks
The best business credit cards from Chase come with different perks. Depending on the card you get, you may benefit through purchase protection, extended warranty, trip cancellation/trip interruption insurance, auto rental collision damage waiver, travel and emergency assistance services, roadside dispatch, cell phone protection and free employee cards.
Further Reading
Find Your Best
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.