The best business credit cards from Chase give you the ability to earn rewards or cash back. These cards come with new cardholder offers too.
MoneyGeek's Take
Best Business Credit Cards for Chase in 2023
This article is part of our larger series on Best Business Credit Cards

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Some of the top Chase business credit cards charge no annual fees, whereas others offer premium features and benefits in exchange for paying a fee. No matter which of these cards you choose, you stand to earn reward points or cash back. However, the earn rates tend to differ from one card to the next.
Depending on the card you get, you might need to pay a foreign transaction fee of up to 3% each time you use it outside of the U.S. or with international vendors. The Ink Business Preferred credit card does not charge this fee. A few Chase business credit cards come with 0% intro APR offers on purchases. The best Chase business credit cards also offer travel and purchase protection to varying degrees.

This article is part of our larger series on
Best Business Credit Cards
MoneyGeek's Take: Top 3 Chase Business Credit Cards
Quick Summary
The cash back or reward points you can earn vary based on the Chase business credit card you get, and you may benefit through higher earn rates on category-based spending. If you’re looking for higher earn rates or premium benefits, you might have to pay an annual fee. Our experts have paid attention to these factors as well as foreign transactions fees, APRs and introductory offers to select the top three Chase business credit cards. Scrolling further down the page presents a few more options.
- Ink Business Cash® Credit Card
- 1–5% Cash Back*Rewards Rate
- 18.49% – 24.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
- Ink Business Unlimited® Credit Card
- 1.5% Cash BackRewards Rate
- 18.49% – 24.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
- Ink Business Preferred® Credit Card
- 1–3 Points per $1Rewards Rate
- 21.24% – 26.24% VariableAPR
- $95Annual Fee
- Good–ExcellentRecommended Credit
Summary of the Best Business Cards for Chase
Go through this brief Chase business card comparison to determine which of these cards might work for you based on factors such as welcome offers, APRs, annual fees and foreign transaction fees.
- Credit CardBest ForAvg. Reward RateAnnual FeeCredit Needed
- Ink Business Cash® Credit CardBest for earning rewards on office supplies1–5% Cash Back*$0
- Ink Business Unlimited® Credit CardGreat for simple flat-rate rewards and no annual fee1.5% Cash Back$0
- Ink Business Preferred® Credit CardGreat for big welcome offer and ongoing rewards1–3 Points per $1$95
- Southwest® Rapid Rewards® Premier Business Credit CardA great miles credit card for international purchases with multiple miles-earning and redeeming opportunities1–2 Points per $1*$99
- United℠ Business CardSolid travel card for United fans1–2 Miles per $1*$99
You can double up on welcome bonuses, spending rewards and benefits when you have both the personal and business version of a credit card. The points or miles that you earn generally go into the same loyalty account, so you can reach your redemption goals faster. -- Lee Huffman, credit card expert at BaldThoughts.com.
How to Compare Business Credit Cards & Intro Offers
Chase provides several credit cards for businesses. While these have some common features, they come with multiple differences as well. As a result, selecting one that works well for you requires comparing your options across different parameters.
Welcome offer
Chase business credit cards come with introductory offers. For example, both the Ink Business Unlimited credit card and the Ink Business Preferred credit card give you the ability to earn welcome bonuses by spending predetermined amounts within a given time period. However, these welcome offers may vary from one card to the next.
APR
The APRs that Chase charges are not standard across all its business cards. This aspect requires your attention if you don’t plan to pay off your balances in full each month. You might also benefit by looking at Chase business cards that come with time-based 0% APR offers on purchases.
Foreign transaction fee
If you intend to use your Chase business credit card outside of the U.S., consider narrowing down your options to ones that do not charge foreign transaction fees. Cards from this category that fit the bill include the Ink Business Preferred Card, the Southwest Rapid Rewards Performance Business Card, the Southwest Rapid Rewards Premier Business Card and the United Business Card.
Annual fee
You will find Chase business credit cards with no annual fees as well as ones that charge up to $199 each year. If you're considering paying an annual fee, make sure that the rewards earned and benefits received outweigh what you pay each year. No-annual-fee alternatives include the Ink Business Unlimited Card and the Ink Business Cash Card.
Co-branded or not
Chase provides co-branded hotel and airline credit cards, and you may benefit by getting one of these if you favor using any of the brands in question. Examples of co-branded cards from Chase include the Southwest Rapid Rewards Performance Business Card, the World of Hyatt Business Card and the United Business Card.
Added perks
The best business credit cards from Chase come with different perks. Depending on the card you get, you may benefit through purchase protection, extended warranty, trip cancellation/trip interruption insurance, auto rental collision damage waiver, travel and emergency assistance services, roadside dispatch, cell phone protection and free employee cards.
Further Reading
About Rajiv Baniwal

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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