Best Chase Business Credit Card


best chase business credit card

When it comes to selecting a business credit card, Chase stands out as a leading provider, offering a variety of cards tailored to meet the diverse needs of entrepreneurs and business owners. Whether you’re looking for cash back, travel rewards, or low-interest options, Chase has a business credit card that can fit your company’s financial needs. Here, we explore the top Chase business credit cards, highlighting their benefits, rewards programs, and key features to help you make an informed decision.

Chase Ink Business Preferred® Credit Card

Best for: Business travel and high spending in select categories

The Chase Ink Business Preferred® Credit Card is a powerhouse for business owners who spend heavily in categories like travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines. Cardholders earn 3 points per dollar on the first $150,000 spent in these categories each account anniversary year and 1 point per dollar on all other purchases. The points can be redeemed through the Chase Ultimate Rewards program, which offers 25% more value when booking travel directly through Chase.

Key Benefits:

Earn 100,000 bonus points after spending $15,000 on purchases in the first 3 months from account opening.
Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards.
No foreign transaction fees.

Chase Ink Business Cash® Credit Card

Best for: Cash back on office supplies and utilities

The Chase Ink Business Cash® Credit Card is ideal for businesses that incur significant expenses in office supplies and telecommunications. It offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Additionally, it provides 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% on all other purchases.

Key Benefits:

$750 bonus cash back after spending $7,500 on purchases in the first 3 months from account opening.

0% introductory APR for 12 months on purchases.

Employee cards at no additional cost.

Chase Ink Business Unlimited® Credit Card

Best for: Simple cash back on all purchases

For businesses looking for simplicity and flexibility, the Chase Ink Business Unlimited® Credit Card offers a flat cash back rate on every purchase, without the need to track specific categories. Cardholders earn an unlimited 1.5% cash back on every purchase made for the business.

Key Benefits:

$750 bonus cash back after spending $7,500 on purchases in the first 3 months from account opening.

0% introductory APR for 12 months on purchases.

No annual fee.

United℠ Business Card

Best for: United Airlines flyers

Business travelers who frequently fly with United Airlines will find the United℠ Business Card especially beneficial. It offers free checked bags, priority boarding, and 2 miles per dollar spent on United purchases, at restaurants, gas stations, office supply stores, and on local transit and commuting.

Key Benefits:

Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening.

Two one-time United Club℠ passes each year.

25% back on United inflight purchases.

Chase offers a variety of business credit cards to suit different business needs, whether you’re most interested in earning travel rewards, cash back, or enjoying specific airline benefits. When choosing a Chase business credit card, consider your spending habits, preferred rewards, and the financial goals of your business to select the card that best aligns with your needs. Remember to also take into account any applicable fees and the potential value of introductory offers when making your decision.

Evaluating Additional Features of Chase Business Credit Cards

Beyond the main rewards and benefits, there are several other factors to consider when choosing the right Chase business credit card. Here’s a deeper dive into the additional features that can enhance your business financial management and provide extra convenience.

Comprehensive Expense Management Tools

Integrated Expense Management: Chase business credit cards come equipped with expense management tools that can help streamline accounting processes and integrate with popular software like QuickBooks.

This allows for easier tracking and categorizing of business expenses, making it simpler to manage budgets and prepare for tax season.

Employee Cards: Most Chase business credit cards offer free employee cards. This feature not only helps in tracking employee spending but also allows businesses to earn rewards from their purchases. Setting individual spending limits on these cards can help maintain control over business expenses.

Enhanced Security Features

Fraud Protection: Chase provides advanced security features to protect cardholders against fraud. These include real-time monitoring and alerts that notify you of any suspicious activity. In addition, Chase’s zero liability protection ensures that cardholders are not held responsible for unauthorized charges.

Purchase Protection: Many Chase cards offer purchase protection, which covers new purchases against damage or theft for 120 days. This can be especially valuable for businesses as it helps protect against unexpected losses.

Travel and Emergency Assistance

Travel Insurance: Business travelers will appreciate the comprehensive travel insurance policies included with some Chase business credit cards. These benefits often cover trip cancellation, trip interruption, and emergency evacuation, which can save significant money and hassle in case of unexpected travel issues.

Emergency Assistance Services: For those traveling for business, having access to emergency assistance services can be invaluable. This service can help with legal and medical referrals or other emergencies while traveling, ensuring that you have support no matter where your business takes you.

Flexible Redemption Options

Broad Redemption Opportunities: Chase’s Ultimate Rewards program is highly versatile, allowing cardholders to redeem points for travel, cash back, gift cards, and even products directly from retailers. This flexibility makes it easier for businesses to utilize rewards in a way that best suits their needs.

Transfer Partners: One of the unique advantages of the Chase Ink Business Preferred® Credit Card is the ability to transfer points to several airline and hotel loyalty programs at a 1:1 ratio. This feature greatly enhances the potential value of points, especially for businesses that are frequent flyers of their partner airlines or guests of their partner hotels.

Choosing the Right Card

When selecting the right Chase business credit card, it’s crucial to weigh all these features against the specific needs and spending patterns of your business. For businesses that travel frequently, a card like the Chase Ink Business Preferred® might be the best fit, offering significant rewards on travel and advertising spend. For those who value simplicity and steady cash back on every purchase, the Chase Ink Business Unlimited® might be ideal.

No matter your choice, Chase’s lineup of business credit cards offers robust features that can help manage your business expenses effectively while earning valuable rewards. Remember, the best credit card is one that aligns with your business operations and financial strategy, maximizing the benefits while minimizing costs.