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What are the best Chase business credit cards? With more than 5,100 branches and 16,000 ATMs nationwide, Chase Bank is one of the Big Four Banks in the United States (the Big Four making up 39% of all U.S. customer deposits). Chase operates in more than 100 countries internationally as well, making it a prudent and practical choice for business expenses. The Ink Business Preferred℠ Credit Card is currently the best Chase small business credit card offer available. You’ll receive 80,000 points after meeting the minimum spend. That’s at least worth $1,000 in travel. But you can also get the Ink Business Cash℠ Credit Card which comes with a $500 bonus and no annual fee. It’s another great Chase business credit card option.

I've used my Chase business credit card to earn valuable travel rewards.
I’ve used my Chase business credit card to earn valuable travel rewards.

I have my business bank account 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 apply for a business credit card.

Note that if you’re looking for the best personal Chase credit card(s) 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. Additionally, the Chase Sapphire Preferred has one of the best credit cards offers July 2019.

Applying for a Chase business credit card to help you maximize your earning potential and separate personal spending from business spending. I like using my Chase business credit cards for travel.

Here are the best Chase Business credit cards:

Best Chase Small Business Credit Cards, Ranked

Currently, on Chase’s website, they offer 5 business credit cards, all with distinct rewards and benefits. Below is a list of the best business credits cards, with #1 being my personal favorite and the Chase business credit card I keep in my wallet (in addition to the Ink Plus which is no longer available).

Best Business Card Bonus: Ink Business Preferred Credit Card

You will earn 80,000 Ultimate Rewards points after spending $5,000 in the first 3 months of your card membership with the Chase Ink Preferred. This is the best Chase business credit card sign-up bonus.

Chase Ink Preferred Business Credit Card Highlights:

  • 80K bonus points after you spend $5K 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


The Ink Business Preferred℠ Credit Card is the last Chase business credit card I applied for because of its great 80,000 points bonus (worth $1,000 in travel), 3x spending categories, earns Ultimate Rewards points, and is the perfect compliment to my Chase Sapphire Preferred. And hopefully I don’t ever have to use it but the Ink Business Preferred 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.

Learn more: Ink Business Preferred℠ Credit Card 

Best Chase No Annual Fee 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 $500 signup bonus after spending $3,000 on eligible purchases in the first 3 months.

Chase Ink Cash highlights:

  • $500 cash back after spending $3k in the first three months
  • 5% cash back on the first $25K spent on combined business expenses each account anniversary year, 2% cash back on 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


The Chase Ink Cash is a great no annual fee business credit card since it comes with a $500 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. Here’s how the Ink Cash compares with Chase Ink Unlimited. 

Learn more: Ink Business Cash℠ Credit Card

Chase Southwest Business Priority Credit Card

Now can be the best time to apply for this new Chase business credit card. New cardmembers can earn 80,000 bonus Rapid Rewards points by spending $5,000 in the first 3 months of account opening. In many cases, you can squeeze 1.5 cents value for each point making this bonus worth at least $1,200 in award flights. 

This is one of the largest bonus offers you will see for any Southwest Airlines credit card. If you can meet the minimum spend requirement, you shouldn’t ignore this offer.

Learn more: Travel Rewards Credit Cards

Chase Ink Business Unlimited Credit Card

The Ink Business Unlimited℠ Credit Card will be the third Chase Ink business credit card available. The Ink Unlimited doesn’t have an annual fee and it will earn 1.5% cash back on every purchase. This new Chase business credit card is now available for applications, and will also include a $500 cash back bonus offer.

Apply Now: Ink Business Unlimited℠ Credit Card

Like the Ink Business Cash, the brand new Chase Ink Business Unlimited Credit Card won’t have an annual fee.

United Explorer Business Card

The highlights:

  • 50K bonus miles after you spend $3K on purchases in the first three months.
  • Earn 2X miles on business purchases in select categories and in tickets purchased from United, 1 mile per $1 spent on all other purchases
  • Priority boarding, points don’t expire
  • $0 annual fee for the first year, then $95

The best perks of this Chase business credit card is the priority boarding, and free checked bags. The $0 first year fee is nice, but unless you’re located to a United hub, the United℠ Explorer Business Card may not be the best choice for you.

Learn more: United℠ Explorer Business Card

Marriott Bonvoy Premier Plus Business Credit Card

The highlights of the Marriott Bonvoy Business™ American Express® Card:

  • 6X points for every $1 spent at over 6,700 participating Marriott Bonvoy hotels worldwide
  • 4X points per $1 spent on gas, restaurants, shipping and for internet, cable and phone service purchases
  • 2X points per $1 spent on all other eligible purchases
  • Annual free night award (redemption up to 35,000 Marriott Bonvoy points) at a participating hotel after account anniversary


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.

Learn more: Marriott Bonvoy Business™ American Express® Card

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


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 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 business credit cards can offer better benefits than your personal credit card.

Learn more: Southwest Rapid Rewards® Premier Business Credit 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 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.

You Like the Additional Benefits

When comparing purchase rewards, don’t forget to compare the additional card benefits. One of the best options for frequent flyers is the Business Platinum Card from American Express as you get free airport lounge access and 25% airline bonus when redeeming points for award flights.

You Qualify for the Signup Bonus

Many 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 80,000 bonus points worth $1,000 after spending $5,000 in three months. The next largest bonus is for the Chase Sapphire Reserve which awards 50,000 bonus points worth $750 after spending $4,000 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 business credit cards periodically have limited time offers. You can try delaying your spending until the enhanced bonus is available. Another option is applying for new cards when they first launch as those tend to be the highest bonus offers to attract a large group of users.

Before applying, 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.

The Best Chase Business Credit Cards

When you’re ready to get a business credit card, these are some of the best offers currently available.

Chase Ink Business Preferred

The Ink Business Preferred℠ Credit Card earns 3x bonus points on the first $150,000 in combined annual purchases at these merchants:

  • Travel
  • Shipping Purchases
  • Internet, Phone, and Cable Providers
  • Advertising on social media and search engines

All remaining purchases earn unlimited 1 point per dollar spent.

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.

It also has an 80,000-point bonus offer worth $1,000 in award travel after spending $5,000 in the first three months.

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

It has a $95 annual fee but no foreign transaction fee.

Chase Ink Business Cash – Best Chase Business Credit Card With No Annual Fee

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. It comes with a $500 signup bonus after spending $3,000 in the first 3 months of account opening.

You can also earn 5% cash back on the first $25,000 in combined purchases spent at office supply stores and phone, internet, and cable services. Plus, you earn 2% cash back on the first $25,000 spent in combined purchases at restaurants and gas stations.

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.

United Explorer Chase Small Business Card

The United℠ Explorer Business Card is offering the ability to earn 50,000 miles after you spend $3,000 in purchases in the first 3 months of account opening. With a bit of planning, this can be enough miles to book a roundtrip main cabin flight to Europe or a business class roundtrip inside the United States.

Each year, you get two one-time United Club passes. You can always enjoy priority boarding plus a free checked bag for you and another person. You earn 2x points on United purchases, gas stations, restaurants, and office supply store sales.

The annual fee is $0 the first year then $95 after each card renewal.

Capital One Spark

If you prefer flat-rate rewards the Capital One Spark is 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 2 miles per $1 on every purchase, everywhere. You can also earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

The Capital One® Spark® Cash Select for Business has no annual fee and earns an unlimited 1.5% cash back per $1 spent. You can also earn $200 when you spend $3,000 in purchases within 3 months of 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 the Spark Cash, you can redeem your points for cash statement credits.

Summary on When to Apply for a 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.

Best Non-Chase Business Credit Cards

Using corporate and business credit cards 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 applying for the right card for your needs and goals.

As we reach the end of 2018, 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 points 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

Another great business card option is the Capital One® Spark® Miles for Business. New business credit card users can earn 50,000 bonus miles once a $4,500 minimum spend is hit within the first 3 months of account opening. With this Capital One business credit card, you can also earn 2x miles per dollar spent on all purchases and 10x miles per dollar on hotel purchases. Here’s how the Capital One Spark compares with the Ink Preferred Chase business card. 

Expiring Credit Card Benefits 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:

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Johnny Jet Editorial

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What is the Best Chase Business Credit Cards? (2019)
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