Best Chase Business Credit Cards in 2024

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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

Our Top 3 Picks
Summarized List of All Winners
Tips for Comparing Credit Cards

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 17.74% - 25.74% 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 17.74% - 23.74% 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 Card
Best For
Avg. Reward Rate
Annual Fee
Credit Needed
Ink Business Cash® Credit Card
Best for earning rewards on office supplies
1–5% Cash Back*
$0
Ink Business Unlimited® Credit Card
Great for simple flat-rate rewards and no annual fee
1.5% Cash Back
$0
Ink Business Preferred® Credit Card
Great for big welcome offer and ongoing rewards
1–3 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 opportunities
1–2 Points per $1*
$99
United℠ Business Card
Solid travel card for United fans
1–2 Miles per $1*
$0 introductory annual fee for the first year, then $99.
Southwest® Rapid Rewards® Performance Business Credit Card
An excellent business card with Southwest and other travel benefits
1–3 Points per $1*
$199

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.

Best Business Credit Cards for Chase in 2024

MoneyGeek's Take: Top 3 Chase Business Credit Cards

Summary of the Best Business Cards for Chase

How to Compare Business Credit Cards & Intro Offers

Welcome offer

APR

Foreign transaction fee

Annual fee

Co-branded or not

Added perks

Further Reading