Erika's Picks for Best Chase Business Credit Cards
- Best overall:
Ink Business Preferred® Credit Card - Best for cashback:
Ink Business Cash® Credit Card - Best for simplicity:
Ink Business Unlimited® Credit Card - Best for premium travel:
Sapphire Reserve for Business℠ - Best for big spenders:
Ink Business Premier® Credit Card
Whether you're running a startup, managing a growing company, or just want to maximize your business spending, Chase offers some of the most rewarding business credit cards on the market.
From generous welcome offers to points powerhouses and cashback simplicity, there’s a Chase business card for just about every need.
We’ve reviewed the top Chase business cards to help you find the best fit.
Best Overall
Ink Business Preferred® Credit Card
Rewards Rate
- 3x points on every dollar spent on shipping, advertising with social media and search engines, internet, cable, phone, and travel — up to the first $150,000 spent in combined purchases in these categories
- 5x total points on Lyft rides through 9/30/27
- 1x per dollar spent everywhere else
Welcome Offer
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
The Ink Business Preferred® Credit Card comes with a great welcome offer and solid rewards on common business expenses like shipping, advertising via social media and search engines, internet and cable, and travel. If your business spends a lot in these categories, you can bring in significant Chase Ultimate Rewards®.
Just keep in mind there’s a $150,000 spending limit for earning the higher point value, so consider your annual expenses — you may want to look at a different card if you have higher expenses than that in those categories.
The card’s benefits include:
- Trip cancellation and interruption insurance up to $5,000 per covered traveler, $10,000 per covered trip
- Auto rental coverage up to $60,000 for theft and collision damage
- Cellphone protection up to $1,000 per claim (maximum 3 claims per 12-month period, with a $100 deductible per claim)
- No foreign transaction fees
- 1:1 point transfer to travel partners
- Purchase protection up to 120 days
- Extended warranty up to one extra year
The Ink Preferred is best for business owners who travel often or have high advertising and shipping spend. If you’re already earning points with a personal Chase card (like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®), you can pair it with the Ink Preferred to combine points and redeem for even more value through Chase Travel℠.
While there are several no-annual-fee business cards included in this round-up, you might consider the Ink Business Preferred® Credit Card, which has a low annual fee, first. You receive significantly more benefits than with the zero-annual-fee cards.
Its 3x points on these categories (up to $150,000/year) and huge welcome bonus make it one of the most valuable cards in Chase’s business lineup.
But if your business expenses don’t line up with the bonus categories for this card, you may want to consider alternative cards.
Best for Cashback
Ink Business Cash® Credit Card
Rewards Rate
- 5% cashback on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 5% total cashback on Lyft rides through 9/30/27
- 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% on everything else (unlimited)
Welcome Offer
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening.
Annual Fee
$0
With no annual fee and a solid welcome offer, the Ink Business Cash® Credit Card makes it easy to earn rewards even if you’re just starting out or have low ongoing expenses.
You can earn elevated points on purchases at office supply stores and on internet, phone, and cable services, plus extra rewards on restaurant and gas station purchases made with your card.
Other benefits include:
- Auto rental coverage up to $60,000 for theft and collision damage
- Extended warranty of one year on eligible warranties of three years or less
- Purchase protection for 120 days, up to $10,000
However, if business travel is a priority, the Ink Business Cash doesn’t provide elevated rewards or much in terms of travel perks, so consider other options in that case.
The Ink Business Cash® Credit Card is a powerhouse for cashback — offering up to 5% in key categories like office supply stores and internet/cable/phone services, all with no annual fee.
Since office supplies and internet services are common business expenses, this is an excellent basic business card. While there’s a maximum amount of spending per year that earns the bonus rate, you still earn an unlimited base rate after meeting that threshold.
If you prefer cashback (or want to use it as points in the Ultimate Rewards® ecosystem), this no-annual-fee card punches way above its weight.
Best for Simplicity
Ink Business Unlimited® Credit Card
Rewards Rate
- Unlimited 1.5% cashback on every purchase made for your business
- 5% total cashback on Lyft rides through 9/30/27
Welcome Offer
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$0
If you’re looking for simple business expense management, consider the Ink Business Unlimited® Credit Card. This is a solid business card with no annual fee and a good welcome offer to help start you on the right foot as a cardholder.
While the earning rate isn’t as high as other Chase business cards, you might end up better off with this card since your rewards earning potential is unlimited and not restricted by category.
Other benefits include:
- Auto rental coverage up to $60,000
- Extended warranty of one year on eligible warranties of three years or less
- Purchase protection for up to 120 days, up to $10,000 per item
The Ink Business Unlimited® Credit Card is best for business owners who want straightforward rewards, since it offers flat-rate rewards with no fuss. You’ll earn unlimited 1.5% cashback on all purchases — no categories to track or limits to hit.
This makes it an excellent card if you have variable business expenses or a wide range of spending categories.
It’s also great paired with a premium Chase card if you’re interested in maximizing Ultimate Rewards® points.
Best for Premium Travel
Sapphire Reserve for Business℠
Rewards Rate
- 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities, and tours
- 5x total points on Lyft rides (through 9/30/27)
- 4x points on flights and hotels booked direct
- 3x points on social media and search engine advertising
- 1x points on all other purchases
Welcome Offer
Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
Annual Fee
$795
Chase’s newest business card is the Sapphire Reserve for Business℠, and it offers impressive rewards and a host of luxury benefits.
It comes with a hefty annual fee, but for the right cardholder, the extensive list of credits and perks is worth the cost. Get credits toward business perks like ZipRecruiter and Google Workspace, as well as travel and emergency features.
Travel benefits:
- $300 annual travel credit
- $500 annual credit for stays with The Edit℠
- Access to over 1,300 airport lounges for the primary cardmember and two guests
- Up to $120 fee credit for Global Entry, TSA PreCheck®, or NEXUS
- IHG One Rewards Platinum Elite Status
- 1:1 point transfer to travel loyalty programs
- Auto rental coverage up to $75,000 in theft or collision damage
- Baggage delay insurance up to $100 per day, up to 5 days for a 6-hour baggage delay
- Emergency evacuation and transportation
- Emergency medical and dental coverage up to $2,500
- Lost luggage reimbursement up to $3,000 per covered traveler
- No foreign transaction fees
- Travel accident insurance up to $1 million for accidental death and dismemberment
- Trip cancellation and interruption insurance up to $10,000 per covered traveler/$20,000 per covered trip
- Trip delay reimbursement up to $500 per covered traveler for a 6-hour delay
- Rental car benefits with Avis, Hertz, and National
Additional benefits:
- Purchase protection for 120 days, up to $10,000 per item
- Return protection up to $500 per item
- Cellphone protection up to $1,000 per claim, maximum 3 claims per 12-month period
- Extended warranty protection
Business-specific benefits:
- $420 DoorDash value ($120 DashPass membership, $300 DoorDash promos) (through 12/31/27)
- $200 Google Workspace credit
- $400 ZipRecruiter credit
- $120 Lyft credit (through 9/30/27)
- $100 curated gift card credit
The Sapphire Reserve for Business℠ is best for business owners with frequent travel needs and who want luxury perks and strong travel redemptions. You’ll get access to lounges, travel protections, and premium support.
A premium card tailored for business travelers, this new version of the beloved Sapphire Reserve combines premium travel perks with the flexibility of Chase Ultimate Rewards®.
You really can’t beat the dollar value of this card’s benefits, especially if you do a lot of business travel. However, the Ink Business Preferred card comes close to the perks for a much lower fee, so consider what you need most.
Best for Big Spenders
Ink Business Premier® Credit Card
All information about the Ink Business Premier® Credit Card has been collected independently by Erika.com. The Ink Business Premier® Credit Card is no longer available through Erika.com.
Rewards Rate
- 5% cashback on travel purchased through Chase Travel℠
- 2.5% cashback on purchases of $5,000 or more
- 2% cashback on all other business purchases
Welcome Offer
$1,000 bonus cashback after spending $10,000 in the first 3 months
Annual Fee
$195
If your business makes larger purchases — $5,000 or more — the Ink Business Premier® Credit Card may fit your needs best. You'll earn higher rewards on those big-ticket expenses, plus the unlimited rate on every other purchase is still pretty impressive.
Be prepared to pay your balance in full with this card, although it does offer a credit line called Flex for Business that you’re allowed to pay over time with interest.
Other benefits include:
- Cellphone protection up to $1,000 per claim (up to 3 claims per 12-month period, with a $100 deductible per claim)
- Extended warranty of one year on eligible warranties of three years or less
- Purchase protection up to 120 days from date of purchase, up to $10,000 per item
- No foreign transaction fees
- Auto rental coverage up to $60,000 for theft or collision damage
This card is best for large businesses or high-spend companies looking for predictable, strong returns without the need for point redemptions.
However, note that your rewards can’t be transferred to Chase Ultimate Rewards® partners, unlike other Ink cards.
Designed for companies with large monthly expenses, the Ink Business Premier® Credit Card earns 2.5% cashback on purchases over $5,000 and 2% cashback on all other purchases.
This is Chase’s only business card with pay-in-full terms and is best suited for businesses with substantial, predictable spending.
If your business has higher annual expenses and travel is a priority, you might consider the Sapphire Reserve for Business℠ instead. But for straightforward earnings on bigger purchases where you’re not traveling a lot, the Ink Business Premier is a great option.
How To Choose a Business Credit Card
Selecting the right business credit card requires careful consideration of your company's unique spending patterns, financial goals, and operational needs.
Here are the key factors to evaluate when comparing business credit cards:
Welcome offer
In general, higher-tier cards offer a larger welcome offer — but you'll need to spend more to earn it. Consider whether you can realistically meet the minimum spending requirement within the specified timeframe, typically three to six months.
Don't let a large bonus tempt you into overspending or choosing a card that doesn't align with your long-term needs.
Rewards earning ability
Find a card that aligns with how you spend money. Analyze your business expenses from the past 6-12 months to identify your top spending categories.
A travel-focused rewards card like Ink Business Preferred® Credit Card or the Sapphire Reserve for Business℠ makes sense for some.
But if office supplies are your top expense, consider the Ink Business Cash® Credit Card.
For businesses with diverse spending, a flat-rate rewards card like the Ink Business Unlimited® Credit Card might be more valuable than one with rotating or specific bonus categories.
Annual fee
Decide if the rewards are worth the cost of the annual fee, and pick a card you don't mind paying for. Calculate the total value you'll receive from rewards, benefits, and perks, then subtract the annual fee to determine your net benefit.
Sometimes a card with a higher annual fee provides better overall value if you maximize its benefits.
New businesses may wish to start with a no-annual-fee card at first.
Account management features
Look for cards that offer robust online and mobile banking features, especially if you have employees with cards. Features like spending controls, real-time alerts, detailed reporting, and easy expense categorization can save time and improve financial oversight.
READ MORE: How To Choose the Best Business Credit Card
Chase Business Cards vs. Chase Personal Cards
Chase offers cards for both business and personal use, with perks and features tailored to their category.
Business credit cards are, naturally, designed for business-related expenses like phone and internet services, travel, and dining with clients. They let you earn rewards on these expenses while also building your business’s credit history.
Business cards often come with built-in tools and reporting features to help categorize and track business spending for accounting and tax purposes. All the Chase cards listed here offer employee cards at no additional cost, with individual spending controls and monitoring.
Personal cards are intended for individual, personal expenses like groceries, gas, entertainment, and personal dining.
It’s important to reserve your Chase business credit card for business expenses and your personal credit card(s) for your own personal use.
Maintaining separate business and personal credit cards is important for budgeting and tax purposes. You need to have a firm grasp on how much you’re spending on business expenses that might qualify for tax deductions, for example.
READ MORE: Can You Put Personal Expenses on a Business Credit Card?
Frequently Asked Questions
Do I need an LLC or incorporated business to apply for a Chase business card?
You can apply for a Chase business card as an LLC, non-profit, partnership, or sole proprietorship.
You’ll need to provide information like your business name and address, type of business, and the company’s financial details. An ID such as a Social Security number, employer identification number, or taxpayer identification number is also required.
Can I transfer points between my Chase business and personal cards?
It’s fairly simple to transfer points between most of these types of cards. The easiest way to do so is to monitor all of your Chase cards under the same login information.
You can check your Chase Ultimate Rewards balances for business and personal cards from the same menu, and select options to combine points from one to the other.
One card that doesn’t permit the transfer of points to Chase Ultimate Rewards is the Ink Business Premier.
Will a Chase business credit card affect my personal credit score?
It can. While having separate business and personal credit cards helps minimize crossover, applying for a business credit card means a hard credit check will temporarily affect your personal credit score.
Payment history and credit utilization on your business card can also have an impact, so be sure to avoid missing payments or approaching your credit limit, both of which may result in a drop to your personal credit score.
Bottom Line: Which Chase Business Card Is Best for You?
Chase’s business card lineup is one of the most versatile and rewarding out there. If you’re just getting started and want to earn cashback, the Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card are hard to beat.
If you want to dive into travel rewards and maximize Chase Ultimate Rewards®, the Ink Business Preferred® Credit Card (or eventually the Sapphire Reserve for Business℠) are fantastic tools.
Already have a personal Chase card? Pairing any of these business cards can supercharge your earning strategy — and even let you travel in style, for less.
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Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
