Best Chase business credit cards of July 2024
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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 3:41 p.m. UTC July 2, 2024
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Keeping your personal and business expenses separate is a smart money move. The best Chase business credit cards reward cardholders for their business spending and offer benefits that outweigh any fees they might charge.
We’ve analyzed the entire suite of business credit cards available through Chase to curate a list of the very best. Here are our selections.
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Ink Business Unlimited® Credit Card
Best Chase business credit cards
- Ink Business Cash® Credit Card: Best Chase business credit card.
- United Club℠ Business Card *: Best for airport lounge access.
- Ink Business Unlimited® Credit Card: Best for simple rewards.
- Ink Business Preferred® Credit Card *: Best for travel rewards.
- Ink Business Premier® Credit Card *: Best for big spenders.
- Southwest® Rapid Rewards® Performance Business Credit Card *: Best for frequent flyers.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 55+ cards analyzed.
- 10+ data points considered
- 5-step fact-checking process
Best Chase business credit card
Ink Business Cash® Credit Card
Best for airport lounge access
United Club℠ Business Card
*The information for the United Club℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for simple rewards
Ink Business Unlimited® Credit Card
Best for travel rewards
Ink Business Preferred® Credit Card
*The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for big spenders
Ink Business Premier® Credit Card
*The information for the Ink Business Premier® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for frequent flyers
Southwest® Rapid Rewards® Performance Business Credit Card
*The information for the Southwest® Rapid Rewards® Performance Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Compare the best Chase Business cards
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn 50,000 bonus miles and 1,000 Premier qualifying points (PQP) after you spend $5,000 on qualifying purchases in the first 3 months your account is open.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠.
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
Why this card made the list
The Ink Business Cash® Credit Card combines elevated cash-back rewards rates and a huge welcome bonus without charging an annual fee. Other business cards typically charge an annual fee for the valuable travel and shopping protections that come with this card, which include primary rental car insurance, extended warranty and purchase protection. Chase also provides employee cards for no additional cost.
- Annual fee: $0.
- Rewards: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases.
- Welcome bonus: $350 after spending $3,000 on purchases in the first three months and an additional $400 after spending $6,000 on purchases in the first six months after account opening.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
The information for the United Club℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The United Club Business Card comes with a premium annual price tag but provides plenty of value to offset the cost. Arguably, its most valuable feature is the included United Club membership, which starts at $650 annually, and it’s the only card on the market to offer this elite access.
Other card benefits include free first and second checked bags each for both the cardholder and a guest on all eligible flights – most airline cards offer just one free bag per guest. You can also earn up to 1,000 Premier qualifying points (PQPs) toward elite status per calendar year with card spending.
- Annual fee: $450.
- Rewards: 2 miles per $1 on United purchases and 1.5 miles per $1 on all other purchases.
- Welcome bonus: 50,000 miles and 1,000 Premier qualifying points after spending $5,000 on qualifying purchases in the first three months of account opening.
- Foreign transaction fees: None.
Why this card made the list
The Ink Business Unlimited® Credit Card is as user-friendly as it gets, with an easy-to-follow and unlimited rewards rate of 1.5% cash back on purchases. The no-annual-fee card packs a ton of value in an uncomplicated package including a big welcome bonus, an intro APR offer on purchases and valuable travel and purchase protections. You’d be hard-pressed to find another business card with as much to offer without complicated rewards instructions.
- Annual fee: $0.
- Rewards: 1.5% cash back on purchases.
- Welcome bonus: $750 cash back after spending $6,000 on purchases in the first three months of account opening.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a powerful travel card for its relatively low $95 annual fee. Your spending on the card earns Chase Ultimate Rewards® points, one of the most versatile loyalty reward currencies. Those points are worth 25% more if you redeem rewards through the Chase travel portal or you can transfer them to more than a dozen Chase travel transfer partners for potentially even greater value. The card also features a huge welcome bonus that’s enough to jumpstart your next trip.
- Annual fee: $95.
- Rewards: 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per $1 on all other purchases.
- Welcome bonus: 120,000 points after spending $8,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
The information for the Ink Business Premier® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
If you regularly make large purchases for your business, the Ink Business Premier Credit Card is calling your name. It earns a highly competitive cash-back rewards rate on every purchase of $5,000 or more – the only card on the market to do so. The card also earns a high flat-rate on other card purchases, making it a perfect fit for big spenders who want simple cash back.
- Annual fee: $195.
- Rewards: 5% total cash back on travel purchased through Chase Travel℠, 2.5% total cash back on purchases of $5,000 or more, and 2% cash back on all other purchases.
- Welcome bonus: $1,000 cash back after spending $10,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
The information for the Southwest® Rapid Rewards® Performance Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Southwest® Rapid Rewards® Performance Business Credit Card * The information for the Southwest® Rapid Rewards® Performance Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is tailor-made for business owners who fly Southwest Airlines. This card offers high reward rates on both common business spending categories as well as Southwest purchases.
Card perks include four upgraded bookings per year, up to 365 InFlight WiFi credits annually and bonus points on each cardmember anniversary. You’ll also receive a Global Entry, TSA PreCheck or NEXUS application fee credit of up to $100 every four years. These benefits alone can outweigh the card’s annual fee.
- Annual fee: $199.
- Rewards: 4 points per $1 at Southwest, 3 points per $1 on Rapid Rewards hotel and car rental partners, 2 points per $1 on local transit including rideshares and commuting, social media, search engine advertising, internet, cable and phone services. Earn 1 point per $1 on all other purchases.
- Welcome bonus: 80,000 points after spending $5,000 on purchases in the first three months from account opening and an additional 40,000 points after spending $15,000 on purchases within nine months of account opening.
- Foreign transaction fees: $0.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered when ranking Chase business cards included:
- Annual fees.
- APR.
- Rewards.
- Business tools.
- Travel and purchase protections.
- Other card features that could be helpful for small businesses.
Should you get a Chase business credit card?
If you’re looking for a small business credit card, it’s hard to go wrong choosing a Chase Business credit card. The card issuer has multiple business cards from which to choose, all offering a variety of rewards, features, perks and annual fees.
Annual fees on Chase business cards range from $0 to up to $450 each year. For Chase business credit cards with an annual fee, you’ll always want to get enough value from the card to at least break even.
To determine whether a Chase business card is worth it, start by looking at your business expenses. How much do you spend on your business each month and how much of your spending goes on a credit card? Do you spend enough to justify a card with a high annual fee? Does Chase offer business cards that align with your spending habits as a business owner? Are there cards that earn rewards that you find valuable?
Then, look beyond the rewards to what other benefits are available to you as a cardholder. What business, travel or other features come with the card? Some Chase business cards come with a laundry list of benefits, while others offer fewer perks.
Aren’t sure which credit card is right for you? Our best business credit cards page can help narrow down what you’re looking for.
How to qualify for a business credit card
The good news is that you don’t need to have employees or large revenue to qualify for a business credit card. You can get a business card as a sole proprietor, limited liability corporation (LLC) or a new business venture. This can include someone with a part-time job, an occasional side business or any form of additional income.
When you apply for a business credit card, the issuer asks you to provide certain personal and business information. The details required may vary between cards and card issuers, but generally, you will need to provide the following information:
- Name.
- Title.
- Date of birth.
- Mother’s maiden name.
- Social Security number (SSN) or individual taxpayer identification number (ITIN).
- Address.
- Contact information.
- Gross annual income.
- Company structure.
- Legal business name.
- Business name you want on the card.
- Employer Identification Number (EIN), if applicable.
- Business address.
- Business phone number.
- Business established date.
- Annual business revenue.
- Estimated monthly credit card spending.
- Industry category.
- Business type.
Card issuers generally look at your personal credit when you apply for a business credit card. Like personal cards, you must meet certain credit and other issuer requirements to qualify for a business card.
How to choose the best Chase business card
If you know what you want in a business credit card, it’s easier to find the right one.
- Identify the primary reason you want a business credit card. Are you looking to earn rewards on your spending? Take advantage of a 0% intro APR offer? The main reason you’re searching for a new card should be a main attribute of any card you’re considering.
- Analyze your spending. When you know where you spend the most money you can narrow down the choices to cards that offer strong rewards in your top spending categories. If your spending varies, or you don;t want to be bothered keeping track of categories, look to a card that earns the same rewards rate on all of your purchases.
- Understand the redemption options. Many rewards cards have multiple options for using rewards. Make sure that the way you want to use yours is allowed with a particular card. For example, some cards only allow you to take your earnings as a statement credit while others may allow you to book travel.
- Review the additional card benefits. You may find that there’s more than one business credit card on the market that’s aligned with your needs, so consider other card attributes. Most Chase business cards come with benefits like travel and purchase protections and offer free cards for employees. These features can save you money over a card that doesn’t offer these extras.
What’s the difference between the Chase Ink business cards? We’ll break it down for you.
Frequently asked questions (FAQs)
You do not need to be a current Chase customer to qualify for a Chase business credit card. If approved, Chase will provide instructions on setting up an online account.
You don’t need to own a specific business to qualify for a Chase business credit card. If you earn money in some way outside of your regular income, you can apply for a business credit card as a sole proprietor, which doesn’t require having an Employer Identification Number (EIN).
Chase doesn’t disclose its credit score or other requirements to qualify for personal or business credit cards. Generally, you need good to excellent credit to qualify for most Chase Business credit cards. Card issuers, including Chase, look at personal credit scores when determining eligibility for a business credit card. A good to excellent credit score is a FICO score of 670 or higher.
You can apply for a Chase business credit card online, through the Chase mobile app or in person at any Chase branch location. During the application process, Chase will ask you to provide detailed personal and business information. Note that Chase doesn’t currently offer pre-qualification on any of its cards.
Chase may make a determination on card approval quickly or can take longer to decide whether or not to approve a card application.
*The information for the Ink Business Preferred® Credit Card, Ink Business Premier® Credit Card, Southwest® Rapid Rewards® Performance Business Credit Card and United Club℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
