- This article breaks down nine Chase business credit cards, including co-branded airline and hotel cards.
- Our top picks for the best Chase business cards are the Ink Business Cash® Credit Card, the Ink Business Preferred® Credit Card, and the Ink Business Unlimited® Credit Card.
- Every card on this list offers some type of reward structure, and you can earn up to 26 points per dollar depending on the card and reward program.
- You need good or excellent credit to get approved for these cards.
- The annual fees for the cards on this list range from $0 to $199.
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Chase Business Credit Cards: Your Complete Guide
Sarah Stasik - Personal Finance
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
Chase partners with airlines and hotels to offer a wide range of co-branded credit cards for business use. You can find Chase business credit cards that offer cash back or travel rewards with varying levels of perks.
In this Chase business cards review, we’ll explore:
- How to earn rewards with a Chase business credit card
- Common Chase business card benefits
- How to choose the right Chase business credit card
Our top picks for the best chase business credit cards
- Ink Business Unlimited® Credit Card: Best for cash back without categories
- Ink Business Cash® Credit Card: Best for 5% cash back in business categories
- Ink Business Preferred® Credit Card: Best for earning points in business categories
- Ink Business Premier® Credit Card: Best for making larger purchases
- United℠ Business Card: Best for United loyalists
- World of Hyatt Business Credit Card: Best for Hyatt loyalists
- IHG One Rewards Premier Business Credit Card: Best for IHG loyalists
- Southwest® Rapid Rewards® Performance Business Credit Card: Best for Southwest loyalists
- Southwest® Rapid Rewards® Premier Business Credit Card: Best for Southwest frequent travelers
Our top picks for Chase business cards
Advertiser Disclosure
Best for cash back without categories
Ink Business Unlimited® Credit Card
1.5% Reward Rate
Earn unlimited 1.5% cash back on all purchases made for your business.
Annual Fee
$0
Welcome Offer
$750
Regular APR
18.49% to 24.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
We love that this card allows businesses to earn 1.5% cash back on all purchases, so they don’t have to keep track of spending categories, while also offering a nice welcome bonus and 0% APR for the first 12 months. As an additional perk, businesses can take advantage of all this card offers for no annual fee.
It’s certainly not the highest-earning card out there, but its lack of an annual fee and unlimited cash-back rewards make it a solid option. It also comes with travel insurance benefits and purchase protection, and you can add employee cards at no additional cost.
Best for 5% cash back in business categories
Ink Business Cash® Credit Card
Up to 5% Reward Rate
Earn 5% cash back in select business categories (on up to $25,000 per year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per year). Earn 1% cash back on all other purchases.
Annual Fee
$0
Welcome Offer
Up to $750
Regular APR
18.49% to 24.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Ink Business Cash card is a smart choice for small business owners looking to maximize their rewards. It has no annual fee and offers solid rewards on essential business purchases like office supplies, internet, cable, and phone services. Additionally, the Ink Business Cash provides a generous sign-up bonus and an intro APR offer. This card also has multiple valuable benefits for business owners, like purchase protection, extended warranty protection, and free employee cards. Some businesses may not be able to fully take advantage of this card’s bonus categories, but if you can, this is a solid no-annual-fee business card option.
Best for earning points in business categories
Ink Business Preferred® Credit Card
Up to 3X Reward Rate
Earn 3 points per $1 on the first $150,000 spent in combined purchases in select categories each year, and earn 1 point per $1 on all other purchases.
Annual Fee
$95
Welcome Offer
100,000 points
Regular APR
21.24% to 26.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
If you’re in the market for a business card that can double as a travel credit card, the Ink Business Preferred may be what you need. This card has a high reward rate on travel, certain business purchases, and even on purchases that don’t fall into those categories. On top of that, it also boasts various additional perks like travel insurance and cell phone protection, so you can go on your business endeavors knowing that you’re covered. To further sweeten the deal, the welcome offer on this card is insanely good, worth $1,250 alone. All of that for a low $95 annual fee. If you can utilize this card’s perks and bonus categories, it can reward you well.
Best for making larger purchases
Ink Business Premier® Credit Card
Up to 5% Reward Rate
Earn unlimited 5% cash back on travel purchased through Chase Travel℠, 2.5% cash back on purchases of $5,000 or more, and 2% cash back on all other business purchases.
Annual Fee
$195
Welcome Offer
$1,000
Regular APR
19.49% - 27.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
Although it has the highest annual fee of the Ink Business cards, at $195 per year, the Ink Business Premier card is a solid option for businesses that make large transactions. It offers 2.5% cash back on purchases over $5,000 and 2% back on other business purchases, which could add up quickly. It also comes with travel insurance perks, cell phone protection, and purchase protection.
To sweeten the deal, the welcome offer on this card is extremely generous, if you can spend enough to earn it. If your business purchases fall into the higher-reward categories of other cards, you’ll probably find more value elsewhere, but if you make large purchases in other categories, the 2.5% this card offers is higher than many flat-rate cash-back business cards.
Best for United loyalists
United℠ Business Card
Up to 2X Reward Rate
Earn 2X miles per dollar 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 dollar spent on all other purchases.
Annual Fee
$0 intro annual fee for the first year, then $99.
Welcome Offer
75,000 miles
Regular APR
21.99% to 28.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The United Business card is a low-fee ($99/year after the first year) card with good benefits for business travelers. It offers perks like a free checked bag, the chance to earn a $100 United travel credit, and 2 United Club one-time passes per year. It also earns miles on purchases in everyday categories and has a generous welcome offer, making this an all-around spectacular option for business travelers.
If you aren’t loyal to United, you may be better off with a flexible travel credit card, but if your business typically flies with this airline, it could easily make a valuable asset to your wallet.
Best for Hyatt loyalists
World of Hyatt Business Credit Card
Up to 9X Reward Rate
Earn up to 9X points spent at Hyatt — 4X points when you use your card at Hyatt hotels plus 5X base points as a World of Hyatt member. Earn 2X points on your top 3 spend categories each quarter (through 12/31/24, then your top 2 categories each quarter), earn 2X points on fitness club and gym memberships, and earn 1X points on all other purchases.
Annual Fee
$199
Welcome Offer
60,000 points
Regular APR
21.49% to 28.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
For business travelers who stay frequently at Hyatt hotels, this card is a no-brainer. It comes with a great rewards rate on both Hyatt purchases and everyday purchases, making it easy to earn points. On top of that, it boasts complimentary Discoverist status for cardholders, giving access to a variety of valuable benefits like room upgrades, late checkouts, and more.
Additionally, you can earn a Free Night Award every year on your account anniversary, a perk that easily justifies the moderate $199 annual fee. For the business traveler who chooses Hyatt as their preferred hotel chain, the World of Hyatt Business card could make a valuable addition to your wallet.
Best for IHG loyalists
IHG One Rewards Premier Business Credit Card
Up to 26X Reward Rate
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, and earn 3 points per $1 spent on all other purchases
Annual Fee
$99
Welcome Offer
LTO: Up to 175,000 bonus points
Regular APR
21.49% - 28.49% Variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The IHG One Rewards Premier Business Credit Card is a solid option for business travelers who frequently stay at IHG hotels like InterContinental, Crowne Plaza, Kimpton, EVEN Hotels, Indigo, and Holiday Inn. It has a reasonable annual fee and offers great value through its benefits.
Cardholders receive a complimentary free night every year, which easily makes up for the annual fee. Additionally, this card gives cardholders automatic Platinum Elite status, which unlocks perks like room upgrades, late check-out, and bonus points on stays. Overall, this card is a great choice for business travelers who frequent IHG hotels and want to experience a little bit more luxury during their stay.
Best for Southwest loyalists
Southwest® Rapid Rewards® Performance Business Credit Card
Up to 4X Reward Rate
Earn 4X points on Southwest purchases and 3X points on purchases with Southwest hotel and rental car partners. Earn 2X points on rideshare and social media advertising, internet, cable, and phone services. Earn 1X points on other purchases.
Annual Fee
$199
Welcome Offer
80,000 points
Regular APR
21.49% to 28.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Southwest® Rapid Rewards® Performance Business Credit Card has the priciest annual fee of any Southwest card but also boasts a significant amount of value. The rewards rate is the highest of any Southwest card, with 4 points per dollar on Southwest purchases and decent rewards on other purchases. Plus, you’ll get 10,000 Companion Pass® qualifying points every year just for being a card member!
On top of that, this card also comes with a Global Entry or TSA PreCheck credit, 4 upgraded boardings per year, a generous welcome offer, inflight wifi credits, and more. The dedicated business traveler could easily squeeze enough value out of this card to make the $199 annual fee worth it.
Best for Southwest frequent travelers
Southwest® Rapid Rewards® Premier Business Credit Card
Up to 3X Reward Rate
Earn 3X points on Southwest purchases and 2X points on purchases with Southwest hotel and rental car partners. Earn 2X points on local transit and commuting (incl. rideshare), and 1X points on other purchases.
Annual Fee
$99
Welcome Offer
80,000 points
Regular APR
21.49% to 28.49% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
The value of the Southwest® Rapid Rewards® Premier Business Credit Card is close to the consumer version, with the same annual fee, a similar rewards rate, and almost identical perks. With this card, you can access perks like 3X points on Southwest purchases and 6,000 anniversary points each year. On top of that, you’ll get 1,500 tier qualifying points (TQPs) for every $10,000 spent, giving you a boost toward elite status.
It’s not as benefit-heavy as the Performance Business card, but if your business doesn’t travel enough to justify a higher annual fee, this card may make a good addition to your wallet. If you’re not Southwest loyalists, other business credit cards may provide more in the way of travel benefits.
Are Chase business credit cards worth it?
Chase offers a wide selection of business credit cards, so most business owners can find a card that meets their spending and budget needs.
Chase also partners with airlines and hotel programs, so if you’re a loyalty member with one of those programs, you can maximize travel rewards value. Additionally, several Chase business cards are part of the Chase Pay Yourself Back program.
Whether or not a specific Chase business card is right for you depends on your financial situation and business spending habits, so dig into the details of a card before you apply.
Pros and Cons of Chase Business Credit Cards
- Chase business cards have competitive annual fees.
- You can choose from a wide range of cards to best align with your business spending needs.
- The rewards structures tend to be fairly generous and not overly complex.
- Chase is a large, well-known bank, and businesses could benefit by having a relationship with it.
- You’ll need good or excellent credit to get approved for any of these cards.
- As a large bank, Chase doesn’t offer the personalized service you might get with a credit union or smaller bank.
- The welcome bonuses on these cards typically require you to spend a large amount within just three months.
Comparing the best Chase business cards
Card name
Intro offer
Annual fee
Reward rate
Learn more
$750
$0
1.5% cash back
Up to $750
$0
1%-5% cash back
100,000 points
$95
1X-3X points
$1,000
$195
2%-5% cash back
75,000 miles
$0 intro annual fee for the first year, then $99.
1X-2X miles
60,000 points
$199
1X-9X points
LTO: Up to 175,000 bonus points
$99
3X-26X points
80,000 points
$199
1X-4X points
80,000 points
$99
1X-3X points
How to choose the best Chase business credit card
Choose the best Chase business card for you by considering your spending habits and business needs.
Aspects to look at include:
- Rewards categories to ensure they align well with your spending habits
- Annual fees to factor whether you can get enough value from the card to make it worth any fee
- Other fee structures and interest rates so you understand the costs of the card
- What perks you get as a card member
If you’re not convinced a Chase business card is right for you, you may want to consider other options, such as American Express business cards or Capital One business cards.
How to apply for a Chase business credit card
Select your preferred Chase business credit card below to learn more and apply online.
- Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card
- Ink Business Preferred® Credit Card
- Ink Business Premier® Credit Card
- United℠ Business Card
- World of Hyatt Business Credit Card
- IHG One Rewards Premier Business Credit Card
- Southwest Rapid Rewards® Premier Credit Card
- Southwest® Rapid Rewards® Performance Business Credit Card
Be prepared to provide information, such as:
- Your full name
- Your business and personal address
- Your Social Security or Tax ID number
- Details about business expenses and income
In most cases, the application only takes a few minutes and you get instant notification about your approval. However, some applicants may need to provide additional information or documentation. Chase will provide instructions for doing so if that’s the case.
You need good or excellent credit to get approved for these cards. Approval can take a few minutes to a few weeks, depending on your situation. Once you’re approved, you typically receive your card within two weeks.
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FAQs: Chase business credit cards
Which is the best Chase business credit card?
The best Chase business credit card for your company is the one that aligns with your spending habits and budget. For example, if you book travel with United Airlines multiple times a year, you might want to consider the United Business Card. If travel isn’t part of your business’s regular spending, you might want to consider one of the Ink cash-back cards.
Is it hard to get a Chase business credit card?
It’s easy to complete the application for a Chase business credit card online in just a few minutes. You need good or excellent credit, though, and you may need to provide documentation regarding your business income and expenses.
What credit score do I need for a Chase business card?
Each card on this list comes with individual credit requirements. However, you typically need at least a good credit score to qualify. A good credit score is in the high 600s or low 700s. An excellent credit score is usually 740 or higher.
Does Chase pull personal credit for Chase business cards?
Yes, Chase will normally pull a personal credit report when you apply for a business credit card. It considers the owner of the business to be the guarantor on the debt, so your personal credit matters.
What’s the easiest Chase business card to get?
Typically, the cards with lower levels of rewards and higher APRs are easier to get because they don’t usually require a credit score on the higher end.
Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.
Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.
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* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.
All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.