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Travel is on the rise. Businesses and countries are opening up. More places are hiring. With that in mind, now can be one of the best times to consider a business card. For one, you can finally take that business trip you’ve had to put off. Two, you can make next year’s taxes much easier to manage if you keep your business and personal spending on separate accounts. And three, on a more exciting note, there are a number of huge exciting bonuses to earn!

For instance, the flexible Ink Business Preferred® Credit Card comes with the ability to earn 100,000 points worth $1,250 in travel or $1000 cash! You’ll earn 100,000 points after meeting the minimum spend of $15,000 in the first 3 months. Alternatively, if you’re loyal to Southwest, new Southwest Rapid Rewards® Performance Business Credit Card cardmembers can earn 80,000 bonus points after spending $5,000 on purchases in the first 3 months of account opening. 

With a number of personal and business options, over 5,000 branches, and 16,000 ATMs nationwide, Chase Bank is one of the Big Four Banks in the United States. Chase also operates in more than 100 countries. It makes sense for business owners and employees to have a Chase business card.

There are co-brand options, flexible options, and no annual fee options available. Even better, some employee cards are free. If you’re new to business credit cards, this might be a better option for you to help you get your feet wet. However, the bonus offers on the other cards are worth checking out, especially if you know you can meet the minimum spend.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

best Chase business credit cards
I’ve used my Chase business credit cards to earn valuable travel rewards, such as when I’m flying on United. Photo by United

Chase Business Credit Cards Offers 2021

I have my personal and business bank accounts with Chase so naturally, I have a Chase business credit card. But you don’t need to have a business checking account or an incorporated business to get a business credit card.

Having a business credit card can help you maximize your earning potential and separate personal spending from business spending in 2021.

Note that if you’re looking for the best Chase credit card(s) for consumers that also packs plenty of benefits, the Chase Sapphire Preferred® and Chase Sapphire Reserve® are just some of the options that come with many travel perks.

Both cards come with some of the best credit card offers.

Here is a preview of some of the best Chase business credit cards:

Currently, Chase has several business credit card offers, all with distinct rewards and benefits. Below is a list of the best Chase small business credit cards, with #1 being my personal favorite and the Chase business credit card I keep in my wallet.

Best Business Card Bonus: Ink Business Preferred Credit Card

You will earn 100,000 Ultimate Rewards points after spending $15,000 in the first 3 months of your card membership with the Ink Business Preferred® Credit Card. This is the best Chase business credit card sign-up bonus.

Chase Ink Preferred Business Credit Card Highlights:

  • 100K bonus points after you spend $15K in the first three months
  • Points are worth 25% more when you redeem for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards
  • 3x points when you spend in select business categories
  • $95 annual fee

Assessment:

The Ink Business Preferred® Credit Card is the last Chase business credit card I applied for because of its great 100,000 points bonus (worth $1,250 in award travel), 3x spending categories, earns Ultimate Rewards points, and is the perfect compliment to my Chase Sapphire Preferred. And hopefully, you don’t ever have to use it but the Ink Business Preferred review shows how this card comes with up to $1,800 in cell phone protection.

It also offers no foreign transaction fees, so if you do business internationally, this is a great business card to have. Here are 5 reasons Johnny got the Chase Ink Business Preferred and how it added value for him.

Cardholders can redeem points for cash back, gift cards, travel, and more (points are worth 25% more when redeemed for travel through Chase Ultimate Rewards). Points don’t expire as long as the account is open. Additionally, cardholders get fraud protection and zero liability. Purchase protection covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account. 

Here’s how hard it is to get the Ink Business Preferred.

Best No Annual Fee Chase Business Card: Ink Business Cash Credit Card

The Ink Business Cash® Credit Card is the best no annual fee Chase business credit card, and it even comes with a $750 signup bonus after spending $7,500 on eligible purchases in the first 3 months.

Chase Ink Cash highlights:

  • 5% cash back on the first $25K spent on combined business expenses each account anniversary year, 2% cash back on the first $25K spend on combined gas stations and restaurants each account anniversary year, 1% cash back on all other purchases
  • No limit on cash back rewards, benefits don’t expire
  • No annual fee

Assessment:

The Chase Ink Cash is a great no annual fee business credit card since it comes with a $750 sign-up bonus. The ability to 5% cash back on select categories is also great. It does come with a lower sign-up bonus, and must hold a Reserve or Preferred Chase credit card in order to combine your points so can you transfer them out to an Ultimate Rewards transfer partner.

Additionally, cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal. Fraud protection is also included with the card as well as zero fraud liability. Ink Business Cash cardholders won’t be held responsible for unauthorized charges made with their card or with their account information.

Southwest Rapid Rewards Performance Business Credit Card

Now can be the best time to get this Chase business credit card. New Southwest Rapid Rewards® Performance Business Credit Card cardmembers can earn 80,000 bonus Rapid Rewards points after spending $5,000 on purchases in the first 3 months of account opening.

Earning this bonus gets you much closer to earning a Southwest Companion Pass, which essentially is a pass for you to bring a companion for (nearly) free when you travel.

The Southwest Rapid Rewards Performance Business Credit Card also earns:

  • 3 points per $1 spent on Southwest Airlines purchases
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services
  • Earn 1 point per $1 spent on all other purchases

It also comes with 4 upgraded boardings per year (when available), inflight WiFi credits, and Global Entry or TSA PreCheck fee credit.  Employee cards are also free. Plus, you will earn points on employee spending.

If you can meet the minimum spend requirement, you shouldn’t ignore the offer that comes with the Southwest Rapid Rewards Performance Business Credit Card.

The annual fee is $199 but there are no foreign transaction fees.

Ink Business Unlimited Credit Card

The Ink Business Unlimited® Credit Card is one of the Chase Ink business credit cards available. The Ink Unlimited earns 1.5% cash back on every purchase.

This Chase business credit card includes a $750 cash back bonus offer. New cardholders earn $750 cashback after spending $7,500 in the first 3 months of account opening.

Additionally, Ink Business Unlimited cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal. Employers can set individual spending limits for greater control and earn rewards faster with employee cards that come at no extra cost. Fraud protection is also included with the card as well as zero fraud liability. Cardholders won’t be held responsible for unauthorized charges made with their card or with their account information.

Like the Ink Business Cash Credit Card, the Chase Ink Business Unlimited Credit Card doesn’t have an annual fee. Here’s how the Ink Cash compares with Chase Ink Unlimited.

United Business Card

The highlights of the United℠ Business Card include:

  • Earn 2X miles on United purchases, at restaurants (including eligible delivery services), on local transit and commuting, at gas stations, and at office supply stores
  • Receive a $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year
  • $99 annual fee

With perks like a free first checked bag (a savings of up to $140 per roundtrip—terms apply), 2 United Club one-time passes per year, and priority boarding privileges, the United Business Card has plenty to offer.

Additionally, cardholders can also enjoy unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for one year with DashPass, DoorDash’s membership service. Activate by 12/31/21.

If you have a personal and business United credit card, you’ll get a 5,000-mile bonus. There are no foreign transaction fees.

New United Business Card cardholders can earn up to 150,000 bonus miles! New cardholders will earn 75,000 miles after spending $5,000 on purchases in the first 3 months the account is open. Then, they can earn an additional 75,000 miles after spending $20,000 total in the first 6 months.

This is one of the best business credit cards for airline miles.

Southwest Rapid Rewards Premier Business Credit Card

The highlights:

  • 60K bonus points after you spend $3K in the first three months
  • Earn 2x points on Southwest purchases and points on all other purchases
  • 6K anniversary bonus points
  • No blackout dates, points don’t expire
  • $99 annual fee

Assessment:

The Southwest Rapid Rewards® Premier Business Credit Card offers points on every purchase with no blackout dates. Plus the 6K anniversary points bonus is a nice touch. The 60,000 point sign-up bonus is nice, especially if it helps get you the Southwest Companion Pass.

When you’re a budding entrepreneur, inevitably you’re going to reach that point when it makes sense to get a business credit card. This is a good problem to have as Southwest business credit cards can offer better benefits than your personal Southwest credit card.

Southwest Airlines Boeing 737 MAX-8. Credit: (Ashlee D. Smith/Southwest Airlines)

Who Should Get a Business Card?

In the following cases, you should consider upgrading to a better credit card.

You Want to Track Business Expenses

The main reason to get a Chase business credit card is to quickly track your business spending. This makes filing your taxes easier as you don’t have to separate your business and personal expenses each month.

If you’re self-employed and only make a few monthly purchases, opening a new credit line or paying an annual fee for a card you rarely use might not be worth it. The annual fee can be tax-deductible, so it can still be worth it to pay for a better card if you use it regularly.

When you have multiple employee cards, business credit cards usually come with expense tracking software that makes bookkeeping easy. Plus, you can usually also monitor spending by employee.

The Purchase Rewards Are a Better Fit

Unless you get a flat rewards card, most tiered rewards business credit cards have bonus categories that cater to business spending. For instance, you might earn bonus points on social media advertising, shipping, or office supply store purchases.

You will find cards that offer bonus points on travel, dining, gas, or retail purchases. It’s also possible to get co-brand credit cards for retailers like Amazon or certain hotels and airlines including United Airlines credit cards.

When comparing purchase rewards, don’t forget to compare the additional card benefits.

You Qualify for the Chase Business Card Signup Bonus

Many Chase business credit card signup bonuses require you to spend more to qualify for the bonus than its personal credit card cousin. As a reward, the bonus values are more valuable.

For instance, the Chase Ink Business Preferred currently has the largest Ultimate Rewards signup bonus of 100,000 bonus points worth $1,250 in award travel after spending $15,000 in three months.

Once you can spend several thousand dollars during the qualifying period, look for the card with the most valuable bonus offer and the best ongoing purchase rewards and benefits to always maximize your spending habits.

Like personal credit cards, some Chase business credit cards periodically have limited-time credit card offers. You can try delaying your spending until the enhanced bonus is available. Another option is going for new cards when they first launch as those tend to be the highest bonus offers to attract a large group of users.

Before trying for the card, make sure you read the terms and conditions to make sure you qualify for the business. You might not qualify if you have owned this card or a similar product in the last 24 months.

Comparing Chase Business Credit Cards

Chase offers a robust selection of small business credit cards. The Ink credit card lineup earns Chase Ultimate Rewards that you can redeem for travel, cash, and gift cards. 

Frequent flyers may also enjoy the opportunity to earn Southwest Airlines Rapid Rewards or United Airlines miles with the other cards.

Below is a quick overview of the various spending categories to maximize your purchase power:

Ink Business Preferred Credit Card

Earn 3 Ultimate Rewards per $1 on the first $150,000 (then 1 point per $1) in combined annual purchases on:

  • Travel 
  • Shipping purchases
  • Internet, cable, and phone services
  • Search engine and social media advertising

All remaining purchases earn 1 point per $1 with the Ink Business Preferred® Credit Card.

You can redeem your points for cash, travel, or gift cards. Travel rewards are the most valuable as you earn a 25% redemption bonus when booking travel on Chase. Or you can transfer them on a 1:1 basis to transfer partners like Southwest Airlines and United Airlines.

Before you try to get the card, know that Chase will employ its notorious “5/24 Rule” to automatically decline your application if you have five new credit cards in the most recent 24 months.

Related: 5 Reasons Why I Applied for the Chase Ink Business Preferred

Ink Business Unlimited Credit Card

All Ink Business Unlimited® Credit Card purchases earn unlimited 1.5% cash back but there is a 3% foreign transaction fee. The signup bonus is $750 cash back after spending $7,500 in the first 3 months.

Additionally, cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal. Employers can set individual spending limits for greater control and earn rewards faster with employee cards that come at no extra cost. Fraud protection is also included with the card as well as zero fraud liability.

Cardholders won’t be held responsible for unauthorized charges made with their card or with their account information. You can learn more in our in-depth Ink Business Unlimited review.

Ink Business Cash Credit Card

The Ink Business Cash is a no annual fee card that earns 5% cash back on the first $25,000 (then 1% back) in annual spend on:

  • Office supply stores
  • Internet, phone, and cable services

Earn 2% cash back on the first $25,000 (then 1% back) in annual spend on:

  • Gas stations
  • Restaurants

All non-bonus purchases earn 1% cash back. The signup bonus is $750 cash back after spending $7500 in the first 3 months.

When you only need a no annual fee business credit card, the Ink Business Cash® Credit Card is one of the best Chase business credit cards. You can redeem your points for cash, travel, gift cards, or Amazon.com credits. There is a 3% foreign transaction fee and the card is subject to the Chase 5/24 Rule.

Southwest Rapid Rewards Performance Business Credit Card

The Southwest Rapid Rewards® Performance Business Credit Card has the most robust purchase rewards for the Southwest business credit cards:

  • 3x Rapid Rewards on Southwest Airlines purchases
  • 2x Rapid Rewards for search engine and social media advertising; internet, cable, and phone services
  • 1x Rapid Rewards for all remaining purchases

New Southwest Rapid Rewards® Performance Business Credit Card cardmembers can earn 80,000 bonus points after spending $5,000 on purchases in the first 3 months of account opening.

United Business Card

With the United Business Card, you will earn 2 United miles per $1 on these qualifying purchases:

  • United Airlines purchases
  • Local transit and commuting
  • Gas stations
  • Office supply stores
  • Restaurants and eligible delivery services

All non-bonus purchases earn 1 mile per $1 with the United℠ Business Card.

New United Business Card cardholders can earn up to 150,000 bonus miles! New cardholders will earn 75,000 miles after spending $5,000 on purchases in the first 3 months the account is open. Then, they can earn an additional 75,000 miles after spending $20,000 total in the first 6 months.

Cardholders can also enjoy a $100 travel credit after 7 United flight purchases of $100 or more each anniversary year.

With perks like a free first checked bag (a savings of up to $140 per roundtrip—terms apply), 2 United Club one-time passes per year, and priority boarding privileges, the United Business Card has plenty to offer.

The annual fee is $99. There are no foreign transaction fees.

When to Go For a Chase Business Credit Card

It’s time to start using a business credit card when the purchase rewards are better than your personal card, when you’re spending more on your business, and when you want to make life easier when it comes time for tax season. Once you reach these points, it’s time to find the card with the best bonus offer, purchase rewards, and additional benefits you can use the most.

What is the best Chase business credit card to get? Photo by Chase

Best Non-Chase Business Credit Cards

Using corporate and small business credit cards for travel is a great way to take care of business travel expenses while also enjoying extra incentives and account features. There are many great corporate credit cards to choose from. But, you want to make sure you’re going for the right card for your needs and goals.

It’s important that you keep ahead of upcoming credit card changes. This way, you’ll know you’re getting the most out of your credit cards and aren’t in for any unwanted surprises. Watch out for the following expiring corporate card benefits. Be sure to use them before you lose them.

Consider These Non-Chase Business Credit Card Offers

You should also be aware of some great limited bonus point offerings. You can save big and get more points for your money and your business trips by planning out which cards to get for the new year.

Capital One Spark Business Cards

If you prefer flat-rate rewards the Capital One Spark Business Cards are worth a look. You will need to decide if you want to earn travel miles (Spark Miles) or cash rewards (Spark Cash).

If you get the Capital One Spark Miles for Business, it comes with a $95 annual fee ($0 the first year), and the ability to you earn unlimited 2x miles per $1 on every purchase, everywhere.

Here’s how Capital One Spark compares with the Ink Preferred Chase business card. 

The Capital One Spark Cash Select for Business has no annual fee and earns an unlimited 1.5% cashback per $1 spent. New cardholders earn a one-time $200 cash bonus after spending $3,000 on purchases within the first 3 months from account opening.

The Spark Miles lets you redeem your miles for future travel on Orbitz, recent travel purchases, or one of the Capital One airline transfer partners. For Spark Cash, you can redeem your miles for cash statement credits.

Learn more: Business Credit Cards

Marriott Bonvoy Business American Express Card

The highlights of the Marriott Bonvoy Business™ American Express® Card include the ability to earn:

  • 6x points at hotels participating in the Marriott Bonvoy™ program
  • 4x points per $1 spent at U.S. gas stations, U.S. restaurants, U.S. purchases for shipping, and for internet, cable, and phone services purchased directly from U.S. service providers
  • 2x points per $1 spent on all other eligible purchases
  • Terms apply

Cardholders can receive 1 Free Night Award annually after their Card account anniversary. Plus, they can earn an additional Free Night Award after spending $60K in purchases on their Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.

Cardholders can also enjoy complimentary Marriott Bonvoy Silver Elite status. They can earn Gold Elite status after making $35,000 in eligible purchases on their card in a calendar year. This is one of the best Marriott credit cards.

New Marriott Bonvoy Business™ American Express® Card cardholders can earn 75,000 Marriott Bonvoy points after using their new card to make $3,000 on eligible purchases within the first 3 months of card membership. Plus, they can earn up to $150 back in statement credits on eligible purchases made on their new Card within the first 3 months of card membership.

Assessment:

The free annual night certificate is a great perk on the Marriott Bonvoy Business American Express Card. If you frequent Marriott hotels, this hotel business card will be hugely beneficial due to the 6x points you’ll earn with Marriott purchases.

The annual fee is $125 (See Rates & Fees), which can easily be offset with the free annual night certificate. Terms apply.

Related: Best American Express Business Credit Cards

Summary

Now is a good time to outline your corporate credit card and points plans. By planning, you can take advantage of features that will expire in the future. You’ll also be enjoying the more positive credit card benefit changes into the new year.

Here are the Best Chase Business Credit Cards 2021:

Related Posts: 

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

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