Best Chase business credit cards for 2021

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Chase credit cards for business are popular due to their lucrative rewards categories and bonus offers, as well as their affiliation with the Chase Ultimate Rewards program. Some Chase business credit cards, however, are geared to business owners who travel, while others are better for people who prefer to redeem their rewards for cash back, merchandise or gift cards.

If you’re in the market for a business card from Chase, it’s important to look at the top card options to see which one might work best for your goals. To help in your search, we compared the top business cards based on which ones work best for different types of business owners.

Best Chase business credit cards for 2021

Here are Bankrate’s top picks for Chase business credit cards in 2021:

Ink Business Unlimited® Credit Card: Best for flat-rate cash rewards

  • Welcome bonus: $750 in bonus cash when you spend $7,500 on your card within three months of account opening
  • Rewards: Earn a flat 1.5 percent cash back for each dollar you spend
  • Annual fee: $0
  • Perks: 0 percent intro APR on purchases for 12 months, followed by a variable APR of 13.24 percent to 19.24 percent

Why it’s best for flat-rate rewards

Business owners who want rewards without having to worry about bonus categories or earning caps should consider the Ink Business Unlimited® Credit Card. This card doesn’t charge an annual fee, and you’ll earn a flat 1.5 percent cash back for each dollar you spend. Better yet, you can start things off with a $750 cash back bonus when you spend $7,500 on your card within three months of account opening.

As a cardholder, you’ll also get 12 months with a 0 percent intro APR on purchases. However, keep in mind that your APR will reset to a variable rate of 13.24 percent to 19.24 percent after that. You’ll also get cardholder perks like auto rental collision damage waiver, travel and emergency assistance services, fraud protection, purchase protection and extended warranties on eligible items.

Ink Business Cash® Credit Card: Best bonus categories

  • Welcome bonus: $750 in bonus cash when you spend $7,500 on your card within three months of account opening
  • Rewards: Earn 5 percent 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 (then 1 percent back); 2 percent back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1 percent back); 1 percent back on all other purchases
  • Annual fee: $0
  • Perks: 0 percent intro APR on purchases for 12 months, followed by a variable APR of 13.24 percent to 19.24 percent

Why it’s best for bonus categories

The Ink Business Cash® Credit Card is another cash back credit card from Chase, and it doesn’t charge an annual fee. You also get the chance to benefit from lucrative bonus categories in which your business could potentially spend a lot.

For example, $25,000 in annual spending at office supply stores would leave you with $1,250 in cash back rewards in that category alone. And remember, you’ll also get the chance to earn $750 in bonus cash when you spend $7,500 on your card within three months of account opening.

This card also comes with 12 months at an intro 0 percent APR on purchases, after which you’ll pay a variable APR of 13.24 percent to 19.24 percent. The same benefits are also included in this offer: auto rental collision damage waiver, travel and emergency assistance services, fraud protection, purchase protection and extended warranties on eligible items.

Ink Business Preferred® Credit Card: Best for flexible travel rewards

  • Welcome bonus: 100,000 bonus points (worth $1,250 in travel through Chase Ultimate Rewards®) when you spend $15,000 on your card within three months of account opening
  • Rewards: Earn 3X points on up to $150,000 spent each year on travel, shipping purchases, internet, cable and phone services and advertising made with social media and search engines (then 1X points), plus 1X points on all other purchases
  • Annual fee: $95
  • Perks: points are worth 25 percent more when you use points to book through the Chase Ultimate Rewards portal

Why it’s best for flexible travel rewards

The Ink Business Preferred® Credit Card is best for flexible travel thanks to its affiliation with Chase Ultimate Rewards. This card lets you rack up points you can transfer 1:1 to popular Chase travel partners like Southwest Rapid Rewards, United MileagePlus, British Airways and World of Hyatt, plus you can also use your points to book travel through Chase and get 25 percent more value in the process. And just like other Chase business credit cards, this one lets you redeem your points for cash back, statement credits, merchandise, gift cards and more.

The welcome bonus on this card is as high as it’s ever been, and you can earn 3 points (on the first $150,000 spent each year) on travel, shipping, internet, cable and phone services, and select advertising. Important cardholder benefits you’ll receive include trip cancellation and interruption insurance, fraud protection, auto rental collision damage waiver, cell phone protection, extended warranties and purchase protection. A $95 annual fee does apply.

Southwest Rapid Rewards® Performance Business Credit Card: Best for domestic flights

  • Welcome bonus: Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • Rewards: Earn 3X points on Southwest Airlines purchases (including participating hotel and rental car partners); 2X points on social media and search engine advertising and internet, cable and phone services, plus 1X points on everything else
  • Annual fee: $199
  • Perks: Receive 9,000 points each year on your cardmember anniversary, four upgraded boardings per year, Up to 365 inflight Wi-Fi credits per year and a credit of up to $100 toward Global Entry or TSA PreCheck every four years

Why it’s the best Chase business credit card for domestic flights

The Southwest Rapid Rewards® Performance Business Credit Card offers the most frequent flyer perks of either of the Southwest business credit cards from Chase, and you can also earn a significant bonus that can easily be worth four round-trip domestic flights. Also, note that the Southwest Rapid Rewards program is one of the best ones for domestic flights and for flights to the Caribbean and Mexico, considering you get two free checked bags and access to the most flexible cancellation and rebooking policy of all domestic carriers.

This Southwest credit card does come with a $199 annual fee but the credits for Global Entry or TSA PreCheck, the annual bonus points and upgraded boardings you get each year can make it a good investment.

United℠ Business Card: Best for international travel

  • Welcome bonus: 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.  Earn an additional 75,000 miles after you spend $20,000 in the first 6 months.
  • Rewards: Earn 2X miles on United purchases, restaurants (including takeout and delivery), gas stations, office supply stores, transit and commuting, plus 1X miles on everything else
  • Annual fee: $99
  • Perks: Qualify for a free checked bag, priority boarding, two United Club one-time passes, 25 percent off in-flight purchases, 5,000 miles on your cardmember anniversary and more

Why it’s best for international travel

The United℠ Business Card is best for international travel since you can use your miles to fly to more than 200 countries with the airline and others in the Star Alliance. The initial bonus you can earn may be enough for a round-trip domestic flight to Europe, and the fact you earn 2X miles in a variety of categories like restaurants, gas stations, office supply stores and transit is another major plus.

You’ll also get some lucrative benefits when you travel, including free checked bags, priority boarding, discounts on in-flight purchases and more. The fact you get two free one-time United Club passes also makes this offer attractive since you can use these passes to relax in an airport lounge during a long layover.

How to choose the right Chase business credit card

As you’ve looked over the card details above, you’ve probably noticed just how different Chase business cards can be. The tips below can help you wind up with the right Chase small business credit card for your needs.

Compare rewards programs

Some Chase business cards let you earn cash back that can be redeemed for statement credits, gift cards, merchandise and more. Meanwhile, others let you earn flexible travel rewards or points that work within a specific frequent flyer program.

Before you can choose a Chase business card, it’s smart to think over the type of rewards you want to earn—and how you can use them.

Decide if you want 0 percent interest for a limited time

Many of the best business credit cards from Chase offer a 0 percent APR for a limited time, which can help you pay down large purchases without having to fork over any interest. If you are interested in a Chase business line of credit that doesn’t charge interest for up to 12 months, look for cards that offer this perk.

See how cardholder benefits stack up

Keep in mind that many Chase business cards come with benefits like extended warranties, purchase protection against damage or theft, primary auto rental coverage when you rent a car for business purchases and more. Some even offer more robust travel benefits like trip cancellation and interruption insurance.

Decide if you want to pay an annual fee

Finally, decide whether you are okay paying an annual fee the first year or after the first year of being a cardmember. If you never want to pay an annual fee, you’ll want to consider the Ink Business Unlimited or Ink Business Cash.

Chase business credit cards: FAQs

Do you have to bank with Chase to get a Chase business credit card?

You do not have to have a bank account with Chase to become a credit card customer. However, having an established personal or business checking or savings account with Chase can boost your odds of approval.

Can you access your Chase small business credit card account online?

Yes, you can access your Chase business card account online or through the Chase Mobile app. Doing so makes it easier to track your spending, pay your bill or take a look at your rewards balance.

Do you need an Employer Identification Number (EIN) to apply?

You don’t need an employer identification number (EIN) to apply for a business credit card from Chase or any other bank. Without an EIN, you can apply as a sole proprietor using your Social Security number (SSN).

The bottom line

The best Chase business credit card for you depends on the perks you want, the type of rewards you want to earn and more. You shouldn’t necessarily count out other card issuers, however, until you take the time to see what they offer.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson began her career working in the funeral industry, which may make you wonder why she works in personal finance now. Yet, the funeral industry taught the author everything she needs to know about the value of one's money and time. Johnson left the mortuary business a decade ago in order to explore her passion for personal finance and travel the world, and since then, she and her husband have built a debt-free lifestyle that has them on the path to retire very wealthy in their 40s. Holly's love of budgeting also led to the creation of her debt payoff book, “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."