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Best Chase Business Credit Cards of 2024
Sarah Stasik - Personal Finance
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
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 will depend on your financial situation and business spending habits, so dig into the details of a card before you apply.
These are the best Chase business credit cards of 2024.
Our top picks for Chase business cards
Advertiser Disclosure
Ink Business Unlimited® Credit Card
1.5% Reward Rate
Annual Fee
$0
Welcome Offer
Last Call! LTO: $900
Regular APR
17.99% to 23.99% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
Out of the Chase business cards, the Ink Business Unlimited wins for simplicity. Cardholders can earn 1.5% back on all purchases, eliminating the need to navigate complex cash-back categories. Additionally, it has an intro APR offer, so if you’re planning on making a large purchase, it allows for the perfect opportunity to take a bit longer to pay it off without accruing interest expenses. Plus, this card has no annual fee, so it doesn’t cost you anything to keep it in your wallet and there’s no pressure to “make up” for a yearly cost.
Ink Business Cash® Credit Card
Up to 5% Reward Rate
Earn 5% cash back in select business categories (on up to $25,000 per account anniversary year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per account anniversary year). Earn 1% cash back on all other purchases.
Annual Fee
$0
Welcome Offer
Up to $750
Regular APR
17.99% to 23.99% variable
Recommended Credit
Good/Excellent (690 - 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.
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 anniversary year, and earn 1 point per $1 on all other purchases.
Annual Fee
$95
Welcome Offer
90,000 points
Regular APR
20.74% to 25.74% variable
Recommended Credit
Good/Excellent (690 - 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 $1,125 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.
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
18.99% - 26.99% variable
Recommended Credit
Good/Excellent (690 - 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.
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
21.49% to 28.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
For business travelers who prefer United, the United Business card is a low-fee ($99/year after the first year) card with good benefits. With perks like a $100 United travel credit (after 7 United flight purchases of $100 or more each card anniversary year), priority boarding privileges, and generous rewards in useful categories, this card could be very beneficial to the right traveler. If you travel a lot or aren’t loyal to United, specifically, another card could be more valuable, but this card is a spectacular option for the semi-frequent business traveler/United loyalist.
World of Hyatt Business Credit Card
Up to 4X Reward Rate
Earn 4 Bonus Points per $1 spent on qualifying purchases at Hyatt Hotels. Earn 2X points on your top 3 spend categories each quarter (categories are: dining, shipping, airline tickets when purchased directly with the airline, local transit & commuting, social media & search engine advertising, car rental agencies, gas stations and internet, cable & phone services), 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
20.99% to 27.99% variable
Recommended Credit
Good/Excellent (690 - 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.
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
140,000 bonus points
Regular APR
20.99% - 27.99% Variable
Recommended Credit
Good/Excellent (690 - 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.
Southwest® Rapid Rewards® Performance Business Credit Card
Up to 4X Reward Rate
Earn 4X points per dollar on Southwest purchases, 3X points on purchases at participating Rapid Rewards® hotel and rental car partners, 2X points on rideshare and social media advertising, internet, cable, and phone services, and 1X points on other purchases.
Annual Fee
$199
Welcome Offer
80,000 points
Regular APR
20.99% to 27.99% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
For business travelers loyal to Southwest, the Southwest® Rapid Rewards® Performance Business Credit Card boasts a significant amount of value. It’s easy to earn rewards on this card, with a rate of 4 points per dollar on Southwest purchases and solid rewards on other purchases. Additionally, every year you have this card, you’ll get 10,000 Companion Pass® qualifying points and 4 upgraded boardings. You can also take advantage of perks like a Global Entry or TSA PreCheck credit, a generous welcome offer, inflight wifi credits, and more. For the frequent business traveler, the $199 annual fee of the Performance Business Card could be well worth it.
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
60,000 points
Regular APR
20.99% to 27.99% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
If you tend to book Southwest flights when traveling for your business, the Southwest Rapid Rewards Premier Business card is a good mid-tier option. It offers a decent reward rate on Southwest purchases and business purchases, along with a generous welcome offer. Additionally, cardholders get 1,500 tier-qualifying points for every $10,000 spent, helping you to reach elite status. You can also enjoy benefits like 4 upgraded boardings each year, anniversary points, and more. Overall, the Rapid Rewards Premier Business card is a great choice for semi-frequent business travelers who also happen to be Southwest loyalists.
Comparing Chase business cards
Card name
Best for
Reward rate
Welcome bonus
Annual fee
Best for cash back without categories
1.5% cash back
Last Call! LTO: $900
$0
Best for 5% cash back in business categories
1%-5% cash back
Up to $750
$0
Best for earning points in business categories
1X-3X points
90,000 points
$95
Best for making larger purchases
2%-5% cash back
$1,000
$195
Best for United loyalists
1X-2X miles
75,000 miles
$0 intro annual fee for the first year, then $99.
Best for Hyatt loyalists
1X-4X points
60,000 points
$199
Best for IHG loyalists
3X-26X points
140,000 bonus points
$99
Best for Southwest loyalists
1X-4X points
80,000 points
$199
Best for Southwest frequent travelers
1X-3X points
60,000 points
$99
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.
▶︎ See our picks: Best cash back business cards
How to apply for a Chase business credit card
Select your preferred Chase business credit card at the top of this page to learn more and apply online.
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.
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.
About the Author
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.
With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.
* Opinions expressed here are those of LA Times Compare 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 publication. Please visit each bank's website directly for the most current information.