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Chase offers a wide variety of business credit cards, each with various annual fees, generous welcome offers, and ongoing rewards. If your business is loyal to the provider, I’ve reviewed and put together some of the best options based on maximizing rewards, spending habits, and integration capabilities.
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The Chase Ink Business Unlimited® Credit Card is my top recommendation if you need simplicity. It’s especially useful if your company makes a wide range of purchases, but maybe not in one specific category. Whether you’re buying inventory, paying vendors, or covering miscellaneous operating costs, you’ll earn 1.5% cash back without having to navigate spending categories in order to maximize rewards.
I like it because you don’t have to optimize spend or worry about reward caps; it simply delivers value in line with how you operate and how often you use the card. And with a $0 annual fee and 0% intro APR, this card can be a smart tool for managing budgets or short-term investments without paying interest right away.
Other benefits
In addition to simple cash back, this card includes several features that can benefit business owners:
Purchase protection covers new purchases for 120 days against damage or theft (up to $10,000 per claim)
Extended warranty adds one year to eligible manufacturer warranties
Fraud protection includes zero-liability coverage for unauthorized charges
Access to rotating discounts at select merchants
Year-end summaries that help with budgeting and tax planning
Expense tracking for seamless integration with accounting tools
Chase Ink Business Preferred® Credit Card: Best for businesses with high travel, advertising, or digital service expenses
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Pros
Generous welcome offer
Points are worth 25% more when redeemed for travel through Chase
Strong travel and purchase protections
Cons
$95 annual fee
3x bonus points capped at $150,000 in combined purchases per year
No 0% intro APR on purchases
Card details
$95 annual fee
No intro APR; variable APR applies from the start
Eligible for a generous welcome offer after meeting minimum spend requirements
Free employee cards with customizable spending limits and individual tracking
Points can be redeemed for cash back, gift cards, or travel through Chase Ultimate Rewards®
Travel redemptions through Chase boost point value by 25%
Integration with accounting and expense management tools
Rewards
3x points on the first $150,000 spent in combined purchases on travel, shipping, internet, cable and phone services, and advertising purchases with social media sites and search engines
The Chase Ink Business Preferred® Credit Card is a great pick if your business has recurring expenses in digital marketing, travel, and online services. If it spends heavily on social media ads or frequent client trips, the 3x points can add up quickly and be used for other aspects of your business spending.
I chose this card for its flexibility and high reward potential. Redeeming points for travel through Chase makes them go 25% further, which is a big perk if your team travels often. The welcome offer is often generous, and when combined with the card’s other benefits, it’s easy to earn value upfront. However, it may not be the best choice for financing long-term purchases, as there’s no intro APR.
Other benefits
In addition to its strong points structure, the card includes several valuable benefits, such as:
Cell phone protection when you pay your bill with the card, up to $1,000 per claim
Trip cancellation and interruption insurance for covered situations
Primary auto rental coverage for business travel
Purchase protection for new items against damage or theft for 120 days (up to $10,000 per claim)
Extended warranty that adds an additional year to eligible warranties
Zero-liability fraud coverage and real-time alerts
Year-end summaries for budgeting, reporting, and tax prep
Chase Offers with merchant discounts
Integration with QuickBooks and other expense software
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Chase Ink Business Cash® Credit Card: Best for businesses with frequent office, internet, and utility expenses
Pros
$0 annual fee
Generous welcome offer
Valuable rewards for office-related spending
Cons
0% APR doesn't apply to balance transfers
Better suited for office-focused companies
High balance transfer fees
Card details
Intro APR: 0% on purchases for the first 12 months from account opening
Regular APR: Variable rate of 16.99% - 24.99% after the introductory period
Annual fee: $0
Credit needed: Good to excellent
Welcome offer
$750 cash back after $6,000 spend in the first 3 months
Rewards
5% cash back on the first $25,000 spent each year at office supply stores and on internet, cable, and phone services
Earn 5% total cash back on Lyft rides through 9/30/27
2% cash back on the first $25,000 spent each year at gas stations and restaurants
1% cash back on all other purchases
Features
Free employee cards with individual spending controls
Built-in fraud protection and real-time alerts
Auto rental collision damage waiver when renting for business use
Purchase protection and extended warranty coverage on eligible purchases
Access to Chase's online account tools for easier expense tracking and reporting
I recommend the Chase Ink Business Cash® Credit Card if your business regularly spends on operational essentials, like Wi-Fi, software subscriptions, and office supplies. The 5% cash back rate on those everyday categories can add up fast, especially if you have multiple locations or teams.
I chose it primarily for its high return potential on core business expenses, all with a $0 annual fee. The 12-month 0% intro APR is also helpful if you need to invest in supplies or equipment up front and want some breathing room for your budget before interest kicks in. If your business is trying to maximize value on recurring expenses, this card is worth considering.
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Other benefits
Along with its cash back rewards, this card has several features designed to support business operations, including:
Free employee cards with spending limits and individual tracking
Purchase protection on eligible items for 120 days against damage or theft (up to $10,000 per claim)
Extended warranty coverage that adds an extra year to eligible manufacturer warranties
Year-end spending summaries to help with budgeting, reporting, and tax prep
Zero-liability fraud protection for unauthorized purchases
Access to Chase Offers, with targeted discounts at select business and retail merchants
Integration with QuickBooks and other expense tracking software
Chase Ink Business Premier® Credit Card: Best for businesses with large, frequent purchases and high monthly spend
Pros
High flat-rate cash back on large purchases
No preset spending limit
Points never expire as long as your account is open
Cons
$195 annual fee
Full payment required each month
Points can't be transferred to Chase travel partners
Card details
$195 annual fee
No intro APR; balance must be paid in full each month
Eligible for a welcome offer after meeting a minimum spend requirement
Flexible spending limit that adjusts based on your business's financial profile
Free employee cards with spending controls and detailed tracking
Redemption options include cash back, statement credits, gift cards, and travel through Chase Ultimate Rewards®
Points do not expire while the account is active
Not compatible with point transfers to Chase's travel partners
Rewards
2.5% cash back on every purchase of $5,000 or more
The Chase Ink Business Premier® Credit Card is built for businesses that make big-ticket purchases or have high monthly spending habits. Whether you’re buying equipment, stocking up on inventory, or making large vendor payments, the 2.5% cash back on purchases of $5,000 or more adds up quickly and can go a long way.
I like it because there are no specific or rotating reward categories to navigate, along with no caps on rewards. This way, you can earn top-earning rewards that are simple and predictable, which can be a huge perk if you make larger purchases consistently. While the $195 annual fee might be a bit steep if you have a smaller business, it’s easy to offset it if you’re taking advantage of the 2.5% return on large purchases.
Other benefits
The card also includes protections and tools that support fast-growing businesses, such as:
Cell phone protection when you pay your bill with the card
Purchase protection covers new items against damage or theft for 120 days (up to $10,000 per claim)
Extended warranty adds one additional year to eligible manufacturer warranties
Trip cancellation and interruption insurance
Primary rental car insurance when traveling for business
Zero-liability protection and real-time fraud alerts
Year-end summaries to simplify tax prep and reporting
Free employee cards with limit customization
Integration with accounting software like QuickBooks for easier expense tracking
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The New Sapphire Reserve for BusinessSM Credit Card: Best for high-spending businesses wanting premium travel perks and flexible rewards
Pros
Points are worth 50% more when redeemed for travel through Chase Ultimate Rewards
High earning potential across multiple business categories
Flexible rewards through Chase Ultimate Rewards
Cons
$795 annual fee
No intro APR
Best value tied to travel-related redemptions
Card details
$795 annual fee
$0 foreign transaction fees, ideal for international business travel
Eligible for a large welcome offer after meeting the minimum spend requirement
Priority Pass™ Select membership for airport lounge access
$300 annual travel credit automatically applied to eligible purchases
Free employee cards with individual spending controls and tracking
Integration with accounting tools
Streamlined expense management
Points can be redeemed for travel, cash back, gift cards, or used to pay with points via Chase partners
Rewards
8x points on travel booked through Chase Travel, including luxury hotel collections
5x points on Lyft rides through the promotional period
4x points on hotels and airfare booked directly with providers
3x points on online advertising with social media or search engines
The New Sapphire Reserve for BusinessSM Credit Card is a strong choice for companies that travel often or spend heavily on advertising and digital services. It offers standout rewards like 8x points on Chase Travel, 3x on online ads, and 50% more value when you redeem points for travel through Chase. The $300 annual travel credit helps offset the high annual fee, and the earning potential on everyday business categories makes it easy to build up rewards quickly.
What I like most is how this card blends premium travel perks with practical business benefits. You get lounge access, statement credits for tools like Google Workspace and DoorDash, and top-tier travel protections all in one place. It’s designed for business owners who want serious value from their spending without sacrificing flexibility or ease of use.
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Other benefits
In addition to travel rewards, it includes a long list of premium features, including:
$500 in annual credits for The Edit luxury hotel bookings
Up to $420 in DoorDash value, including DashPass membership and monthly credits
Up to $400 in annual ZipRecruiter credits
Up to $200 in annual Google Workspace credits
$120 in Lyft ride credits each year
$100 in annual gift card credits at giftcards.com
Bonus suite of perks if you spend $120,000 per year, including IHG Diamond status, Southwest A‑List status, and additional statement credits
Complimentary Hyatt Platinum Elite status through the promotional period
Trip cancellation, interruption, and delay coverage
Emergency evacuation, travel accident insurance, and baggage protection
Purchase protection, extended warranty, return protection, and cell phone coverage
Visa Infinite car rental benefits with Avis, Hertz, and National
24/7 access to a Visa Infinite concierge
No liability for unauthorized charges and advanced fraud protection tools
Chip-enabled security and seamless integration with accounting tools
The New UnitedSM Business Card: Best for frequent business travelers who fly United
Pros
Free first checked bag on United flights
Two United Club one-time passes each year
Priority boarding and expanded award seat access
Cons
$150 annual fee after the first year
Best value limited to those who regularly fly United
Fewer premium perks than higher-tier travel cards
Card details
$0 intro annual fee for the first year, then $150 annually after
$0 foreign transaction fees, ideal for international business travel
Eligible for a welcome offer in the form of United MileagePlus® miles and PQPs
Premier Qualifying Points
after meeting the minimum spend requirement
Two United Club one-time passes per cardmember, per year
Free first checked bag for you and one companion on United-operated flights
Priority boarding on United flights and expanded access to award seat availability
Free employee cards with individual spending controls
Redeem miles for United flights, upgrades, hotel stays, car rentals, or other travel rewards
Rewards
7x total miles on United purchases (5x as a MileagePlus member + 2x from the card)
5x total miles on hotel bookings through United Hotels
2x miles on dining (including qualifying delivery services), gas stations, office supplies, local transit, and commuting
1x mile on all other purchases
5,000-mile anniversary bonus when paired with a personal United card
The New United℠ Business Card is a smart choice for business owners or team members who travel with United frequently. You don’t need to fly every week to see the value; just the free first checked bag and priority boarding can make trips more comfortable and efficient. The 2x miles on common business categories, such as gas, dining, and office supplies, also make it practical for everyday use.
I like this card because it balances travel perks and everyday rewards. It’s not a premium travel card, but it doesn’t have hefty fees and offers just enough value to make business trips smoother. If your company flies United even a few times a year, this card can pay for itself with perks alone.
Other benefits
In addition to mileage earning, the card includes several valuable extras:
Two United Club℠ one-time passes each year for airport lounge access
25% back on in-flight purchases like food, beverages, and Wi-Fi on United flights
$125 United TravelBank credit after qualifying United flight purchases
$120 in annual Instacart credits, delivered as $10 per month through 2027
Up to $100 in annual statement credits on rideshare purchases
Up to $100 back on United Hotels prepaid stays
$100 annual flight credit when booking JSX flights
Auto rental collision damage waiver when renting for business use
Trip delay reimbursement and baggage delay insurance
Extended warranty protection on eligible purchases
Zero-liability fraud protection and 24/7 customer service
Employee cards at no additional cost with spending limits and reporting tools
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The New United ClubSM Business Card: Best for businesses prioritizing premium travel experiences with United
Pros
Full United Club membership with access to 45+ lounges
Four United Club one-time passes annually
Premier Access travel privileges, including priority check-in, security, boarding, and baggage
Cons
$695 annual fee
Best value unlocked primarily by frequent United travelers
High spend or elite status required to gain "All Access" benefits
Card details
$695 annual fee
Generous welcome offer
$0 foreign transaction fees, making it suitable for international business travel
Comes with full United Club membership, offering access to over 45 United Club locations and participating Star Alliance lounges worldwide
Free first and second checked bags for you and a companion on United-operated flights
Premier Access with priority check-in, security lane access, and boarding
Eligible for a generous welcome offer in United MileagePlus® miles after meeting minimum spend requirements
Expanded award availability on United flights
Free employee cards available with customizable spending controls
Rewards
7x total miles on United purchases (5x as a MileagePlus member + 2x from the card)
5x miles on prepaid hotel stays through United's Renowned Hotels & Resorts
1.5x miles on all other purchases
5,000-mile anniversary bonus when you hold both the United Club Business Card and a United personal card
The New United ClubSM Business Card is a top pick if you or your employees frequently travel with United airlines. Between the included lounge membership, added lounge passes, free checked luggage, and streamlined airport services, it makes traveling a great experience. The generous mileage welcome offer and elite-qualifying credits also make it a powerful tool if your business is looking to elevate its travel status and comfort.
While the annual fee is quite high, it’s offset quickly if you travel often. If your company frequently sends employees through United, the enhanced lounge access and additional perks can deliver consistent value and better travel experiences.
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Other benefits
Beyond earning miles and travel perks, this card includes a variety of benefits, such as:
Up to $200 annual credit on prepaid hotel stays through United’s Renowned Hotels & Resorts
Up to $150 annually for rideshare purchases when charged to the card
Up to $100 annually in United travel credits on Avis or Budget rentals
Up to $240 annually in Instacart credits
Up to $200 annually in JSX flight credits
Up to $50 annually for United FareLock purchase credits
Free first and second checked bags for primary cardholder and companion (save up to $360 per round-trip)
Two global Economy Plus seat upgrades each year after $40,000 in annual spending
Primary auto rental collision damage waiver for business rentals
Baggage delay and trip interruption insurance
Purchase protection and extended warranty coverage
Zero-liability fraud protection and 24/7 customer service
Southwest Rapid Rewards® Performance Business Credit Card: Best for business travelers loyal to Southwest Airlines
Pros
Earn points fast on Southwest and everyday business expenses
Wi-Fi credits for in-flight internet
Helps you work toward the Companion Pass faster
Cons
$199 annual fee
No lounge access or premium travel protections
Limited point transfer flexibility outside Southwest
Card details
$199 annual fee
Generous welcome offer
$0 foreign transaction fees, ideal for domestic and international trips
Eligible for a welcome offer in Rapid Rewards points after meeting the minimum spend requirement
Four upgraded boardings each year, subject to availability
Up to 365 in-flight Wi-Fi credits per membership year
Global Entry, TSA PreCheck, or NEXUS application fee credit every four years
Free employee cards included, with spending controls and detailed reporting
Points can be redeemed for Southwest flights, gift cards, hotels, car rentals, and more
Rewards
4x points per dollar on Southwest purchases, including flights and in-flight services
3x points per dollar with Rapid Rewards hotel and car rental partners
2x points per dollar on social media and search engine advertising, internet, cable, and phone services
2x points per dollar on local transit and commuting (including rideshare, trains, buses, parking)
1x point per dollar on all other purchases
9,000 anniversary bonus points each account anniversary
1,500 tier qualifying points (TQPs) toward A-List status for each $5,000 spent annually (no cap)
Up to $500 per year in statement credits for Rapid Rewards points transfer fees
I recommend the Southwest Rapid Rewards® Performance Business Credit Card if your company frequently flies Southwest and wants to earn rewards quickly. The 4x points on airfare, combined with bonus categories like online ads and telecom services, make it a great match for businesses that market and scale digitally.
I like this card because it rewards both travel and everyday operations. The in-flight Wi-Fi credits and upgraded boarding perks make each flight smoother and more productive. Plus, since points count toward the Companion Pass, there’s a real opportunity to get long-term travel value, whether that’s for a business partner, employee, or even personal use. The annual fee is reasonable, considering how quickly points can be earned.
Other benefits
In addition to its strong reward structure, the card includes the following valuable business travel perks:
Four upgraded boardings per year (as available)
Up to 365 in-flight Wi-Fi sessions covered annually
Global Entry, TSA PreCheck, or NEXUS fee credit
Coverage for lost luggage and baggage delays
Extended warranty and purchase protection
Primary auto rental collision damage waiver
Zero-liability fraud protection
Employee cards at no cost, with customizable limits
Annual and real-time spending summaries for expense tracking
Southwest Rapid Rewards® Premier Business Credit Card: Best for small businesses seeking low-cost travel perks with Southwest
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Pros
Low annual fee for a travel rewards card
Points count toward the Companion Pass
No blackout dates or seat restrictions when redeeming points
Cons
No in-flight Wi-Fi credits or upgraded boardings
Limited bonus categories
No premium travel perks like lounge access or TSA PreCheck credit
Card details
$99 annual fee
Generous welcome offer
$0 foreign transaction fees, ideal for domestic and international trips
Receive 6,000 anniversary points every year just for renewing the card
Two EarlyBird Check-In certificates annually to improve boarding position
Free employee cards with individual spending limits and tracking
Points can be redeemed for Southwest flights, hotels, car rentals, gift cards, and more
Rewards
3x points per dollar on Southwest Airlines purchases
2x points per dollar on Rapid Rewards hotel and car rental partners
2x points per dollar on local transit and commuting, including rideshare services
The Southwest Rapid Rewards® Premier Business Credit Card is a great fit if you have a smaller business or are a solo entrepreneur who flies Southwest a few times a year and wants steady value without a high annual fee. The anniversary points alone cover a significant portion of the fee, and the ongoing 3x rewards on Southwest flights help you accumulate points without overthinking spending categories.
I like this card because it combines straightforward rewards with perks that genuinely improve travel planning. Whether you are aiming for the Companion Pass or just want smoother trips, the rewards are beneficial and attainable. There are also no blackout dates on Southwest seat availability, making redemptions flexible and reliable.
Other benefits
On top of point earning, this card offers the following solid protections and travel benefits:
Lost luggage reimbursement and baggage delay insurance
Up to $500 in annual statement credits for point transfer fees
Auto rental collision damage waiver when traveling for business
Purchase protection on eligible new purchases
Extended warranty on qualifying items
Zero-liability fraud protection and real-time alerts
Free employee cards with spending controls
Year-end summaries for expense tracking and tax preparation
IHG One Rewards Premier Business Credit Card: Best for businesses that book frequent hotel stays with IHG brands
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Pros
Free night certificate each year
Platinum Elite status included
High points earning on travel and business categories
Cons
$99 annual fee
Best value tied to IHG hotel loyalty
No flexible point transfers to other hotel programs
Card details
$99 annual fee
$0 foreign transaction fees, ideal for business travel abroad
Eligible for a generous welcome offer in IHG One Rewards points after meeting the minimum spend requirement
Platinum Elite status, which includes room upgrades, early check-in, late checkout, and more
One free night each year on your card anniversary (redeemable at IHG hotels under a set point value)
Fourth reward night free when you redeem points for a stay of four nights or more
Free employee cards with individual spending limits and purchase tracking Points can be redeemed for hotel stays, gift cards, travel, or shopping through IHG One Rewards
Rewards
10x points on IHG hotel stays
5x points on travel, gas stations, restaurants, and select business categories
The IHG One Rewards Premier Business Credit Card is a strong fit if your business regularly books hotels for team travel, client meetings, or conferences. The combination of high point earnings at IHG properties and an annual free night makes it easy to save a bit of money and take advantage of various perks.
I like this card because it offers real value from the start. Platinum Elite status means you can expect better rooms and smoother check-ins, which is a nice touch if you’re a busy business traveler. And the fourth reward night free is one of the most generous perks out there if your team often books longer hotel stays.
Other benefits
In addition to hotel perks, the card includes protections and business-friendly features, such as:
Annual free night certificate (redeemable at hotels up to a certain point threshold)
Platinum Elite status in the IHG One Rewards program
Global Entry or TSA PreCheck application fee credit every four years
Cell phone protection when you pay your bill with the card
Purchase protection and extended warranty on eligible purchases
Baggage delay and trip delay reimbursement
Auto rental collision damage waiver for business travel
Zero-liability fraud protection and alerts
Year-end summaries for budgeting and tax prep
Free employee cards with customizable controls
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World of Hyatt Business Credit Card: Best for businesses prioritizing upscale hotel stays and elite travel benefits
Pros
Earn free nights faster through tier-qualifying spend
Bonus points in flexible business categories
Up to $100 in Hyatt statement credits each year
Cons
$199 annual fee
Best suited for travelers who stay primarily at Hyatt properties
Fewer premium perks than some high-end travel cards
Card details
$199 annual fee
No introductory APR
$0 foreign transaction fees, great for international business travel
Eligible for a welcome offer in World of Hyatt points after meeting the minimum spend requirement
Automatic Discoverist status with benefits like premium internet, late checkout, and room upgrades when available
Earn up to $100 annually in Hyatt statement credits ($50 per spend, twice yearly on stays of $50 or more)
Free employee cards with spending controls and itemized tracking
Points can be redeemed for Hyatt stays, experiences, room upgrades, and more through the World of Hyatt program
Ability to earn tier-qualifying night credits based on your card spending
Rewards
4x points on Hyatt hotel purchases (total up to 9x including base points)
2x points in your top three spend categories each quarter (from select categories like shipping, dining, airline tickets, and more)
2x points on fitness club and gym memberships
1x point on all other purchases
Earn 5 tier-qualifying night credits for every $10,000 spent annually
I recommend the World of Hyatt Business Credit Card if your business frequently stays at Hyatt hotels. It offers strong point-earning potential not only on Hyatt purchases but also in your top three spending categories each quarter. That flexibility helps you earn faster based on where your business spends the most. With perks like automatic elite status, annual Hyatt credits, and solid travel protections, the card easily delivers value that can outweigh the annual fee.
You also get Discoverist status and the ability to give it to up to five employees, which adds value for teams that travel often. Spending on the card earns tier-qualifying night credits, so you can work toward higher status without relying on hotel stays alone. If your business already prefers Hyatt, this card turns that loyalty into more upgrades, savings, and rewards.
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Other benefits
Along with its strong rewards program, this card offers the following practical travel protections and tools for managing business expenses:
$100 in Hyatt statement credits per year ($50 semiannually)
Discoverist status for cardholder and employees
Room upgrades and late checkout when available
Primary auto rental coverage for business rentals
Trip cancellation, interruption, and baggage delay insurance
Purchase protection for new items
Extended warranty on eligible purchases
Zero-liability fraud protection and real-time alerts
Year-end summaries for budgeting and accounting
Free employee cards with customizable spending limits
My methodology
In reviewing Chase’s business credit card offerings, I chose to highlight options and features for businesses of all sizes and spending habits. I specifically researched rewards and key features that are most applicable to a wide variety of business uses. That way, businesses can take advantage of their cards and use them to their benefit in their day-to-day operations.
How to choose the best Chase business card
Choosing the best Chase business card for you starts by considering a few key factors. Those include your spending habits, your preferred rewards, and your budget.
✅ Start by looking at how your business spends money. Think about where most of your purchases go. Is it advertising, travel, tech, or supplies? The right card should reward you for the categories you already spend heavily in, not ones you might only qualify for on occasion.
✅ Start by looking at how your business spends money. Think about where most of your purchases go. Is it advertising, travel, tech, or supplies? The right card should reward you for the categories you already spend heavily in, not ones you might only qualify for on occasion.
✅ Decide which type of rewards matter most. Do you prefer straightforward cash back, flexible points, or travel perks? Some cards offer premium travel benefits, while others focus on everyday savings. Choose based on what you’ll actually use.
✅ Consider the annual fee and what you get for it. Some cards come with no annual fee, whereas others charge more but offer premium perks in return. A higher fee might be worth it if you take full advantage of the extras like travel credits or lounge access.
✅ Review interest rates and potential fees. If you plan to carry a balance, check the APR carefully. Also factor in things like foreign transaction fees, late payment penalties, and balance transfer costs.
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Benefits of Chase business credit cards
With a Chase Business credit card, there are a variety of benefits that you should know about. While some will differ with each card, there are common features, including the following:
Valuable perks for business owners: The best Chase business credit cards offer a mix of travel, cash back, and purchase protection benefits designed to support everyday operations and growth. Whether you’re a new or an established company, the perks can apply to a wide variety of business uses.
Earn rewards through Chase Ultimate Rewards®: Many Chase business cards are part of the Ultimate Rewards program, allowing you to earn points on purchases and redeem them for travel, cash back, gift cards, or even to offset expenses through features like Pay Yourself Back.
Multiple cards tailored to different spending habits: From flat-rate cash back to premium travel perks, Chase has a wide range of business credit cards, making it easier to find one that fits your industry, spending patterns, and financial goals.
No-cost employee cards with custom controls: Most Chase business cards include free additional cards for employees, where you can set individual spending limits and track expenses.
Generous welcome bonuses: Many of Chase’s business cards offer generous bonuses after meeting a minimum spending requirement, which can help boost rewards and drive your business forward.
Built-in expense tracking and accounting integrations: Chase cards make it easier to stay organized with features like year-end summaries, real-time alerts, and compatibility with popular accounting software like QuickBooks.
Frequently asked questions (FAQs)
What is the Chase 5/24 rule, and how does it affect business card applications?
The Chase 5/24 rule is an unofficial guideline that can block your approval for most Chase credit cards if you’ve opened five or more credit cards, no matter the issuer, within the last 24 months.
Is it hard to get approved for a Chase business card?
It depends. Generally, you’ll need a strong credit score, ranging from good to excellent. Additionally, Chase takes your outstanding debt, number of open accounts, recent credit inquiries, and bank account information into account during the application process.
Can I have more than one Chase business credit card?
Yes. There’s no limit on how many business cards you can get from Chase, as long as you meet credit requirements. That said, Chase does have some specific policies that might impact your ability to get approved, such as the 5/24 rule, which limits approvals if you’ve opened five or more credit cards in the past 24 months, and the 1/30 rule, which restricts you to one business card application every 30 days.
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How do I apply for a Chase business credit card?
Applying for a Chase business card requires a mix of personal and business details. You’ll need to share your name, address, and either your Social Security number (SSN) or Employer Identification Number (EIN), if applicable. For business details, expect to provide your company’s name, address, industry type, yearly revenue, and time in operation. The process is relatively simple, and you can apply directly through Chase’s website.
Lauren McKinley is a financial professional with five years of experience in credit analysis, commercial loan administration, and banking operations. She has worked at regional lending institutions across the Northeast, evaluating risk, analyzing financials, and managing loan processes. Specializing in commercial real estate and small business financing, Lauren has helped diverse borrowers navigate financial solutions.
Chase Ink Business Unlimited® Credit Card
Chase Ink Business Preferred® Credit Card
Chase Ink Business Cash® Credit Card
Chase Ink Business Premier® Credit Card
The New Sapphire Reserve for BusinessSM Credit Card
The New UnitedSM Business Card
The New United ClubSM Business Card
Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Premier Business Credit Card
IHG One Rewards Premier Business Credit Card
World of Hyatt Business Credit Card