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 big spenders:
Ink Business Premier® Credit Card - Best for premium travel:
Sapphire Reserve for Business℠
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 for your business.
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
- 1x per dollar spent everywhere else
Welcome Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months
Annual Fee
$95
The Ink Business Preferred® Credit Card is best suited to 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 the Chase Sapphire Reserve®), you’ll love pairing it with the Ink Preferred to combine points and redeem for outsized value through Chase Travel℠.
The Ink Business Preferred® Credit Card is a go-to for small business owners who want to maximize rewards across travel, shipping, advertising, and internet/phone services. 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.
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
- 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% on everything else (unlimitied)
Welcome Offer
Earn up to $750 bonus cashback: $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 in the first 6 months after account opening
Annual Fee
$0
The Ink Business Cash® Credit Card is best for businesses that spend a lot on office supplies or phone/internet bills. 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.
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.
Best for Simplicity
Ink Business Unlimited® Credit Card
Rewards Rate
- Unlimited 1.5% cashback on every purchase made for your business
Welcome Offer
Earn $750 bonus cashback after spending $6,000 in the first 3 months
Annual Fee
$0
The Ink Business Unlimited® Credit Card is best for business owners who want straightforward rewards on all purchases. It’s also great paired with a premium Chase card if you’re interested in maximizing Ultimate Rewards® points.
We like the Ink Business Unlimited® Credit Card for its flat-rate rewards with no fuss. You’ll earn unlimited 1.5% cashback on all purchases — no categories to track or limits to hit.
Best for Big Spenders
Ink Business Premier® Credit Card
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
The Ink Business Premier® Credit Card is for large businesses or high-spend companies looking for predictable, strong returns without the need for point redemptions. Note: 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% back on purchases over $5,000 and 2% back 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.
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 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
Annual Fee
$795
The Sapphire Reserve for Business℠ is for businesses with frequent travel needs who want luxury perks and strong travel redemptions. It’s ideal for business owners who want access to lounges, travel protections, and premium support.
The Sapphire Reserve for Business℠ is a premium card tailored for business travelers. This new version of the beloved Sapphire Reserve combines premium travel perks with Chase’s Ultimate Rewards® flexibility.
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.
If you frequently spend on office supplies, advertising, or gas stations, look for cards that offer bonus points in these areas.
For businesses with diverse spending, a flat-rate rewards 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.
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.
Bottom Line: Which Chase Business Card Should You Get?
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 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.
