MoneyGeek's Take

Best Business Credit Cards for Chase in 2022

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.

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This article is part of our larger series on Best Business Credit Cards

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.


  • Chase Ink Business Cash

    Fantastic card for earning rewards on office supplies


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–5% Cash Back*Rewards Rate
    • 5xRewards Rate on TV, Phone, Internet Services
    • 2xRewards Rate on Dining

    Terms, rates and fees apply

  • Chase Ink Business Unlimited

    A great business card with a flat, simple rewards structure and no annual fees.


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1.5% Cash BackRewards Rate
    • 1.5xRewards Rate on TV, Phone, Internet Services
    • 1.5xRewards Rate on Entertainment

    Terms, rates and fees apply

  • Chase Ink Business Preferred

    A great card to maximize earning unlimited rewards


    • Good-ExcellentCredit Needed
    • $95Annual Fee
    • 1–3 Points per $1Rewards Rate
    • 3xRewards Rate on TV, Phone, Internet Services
    • 3xRewards Rate on Air Travel

    Terms, rates and fees apply

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 Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • Chase Ink Business Cash
    Fantastic card for earning rewards on office supplies
    1–5% Cash Back*
    $0
    Good-Excellent
  • Chase Ink Business Unlimited
    A great business card with a flat, simple rewards structure and no annual fees.
    1.5% Cash Back
    $0
    Good-Excellent
  • Chase Ink Business Preferred
    A great card to maximize earning unlimited rewards
    1–3 Points per $1
    $95
    Good-Excellent
  • Chase Southwest Rapid Rewards Premier Business
    A great miles credit card for international purchases with multiple miles-earning and redeeming opportunities
    1–2 Points per $1*
    $99
    Good-Excellent
  • Chase United Business
    A good miles-earning credit card with exclusive rewards and no foreign transaction fees
    1–2 Miles per $1*
    $99
    Good-Excellent
  • Chase Southwest Rapid Rewards Performance Business
    An excellent business card with Southwest and other travel benefits
    1–3 Points per $1*
    $199
    Good-Excellent
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MONEYGEEK EXPERT TIP

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.

About Our Rankings

MoneyGeek experts filter out new and existing Chase business credit cards by combing through our extensive database each month. They then select the best of the lot after accounting for aspects such as welcome offers, APRs, annual fees, foreign transaction fees and added perks.

If you’re a frequent traveler, you might benefit by taking a look at our selection of the best Chase travel credit cards.

Top Rating Criteria for Business Cards

signupBonus
Welcome Offer
lowInterestAPR
APR
annualFee
Annual Fee

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.

1

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.

2

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.

3

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.

4

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.

5

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.

6

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 the Author


expert-profile

Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.