Chase Business Credit Cards: A Comprehensive Guide to Finding the Right One

Chase is a leading issuer of business credit cards, offering a range of options to suit different business needs and spending habits. Whether you’re a solopreneur or a large corporation, there’s a Chase business credit card that can help you earn rewards, manage expenses, and build your business credit.

Why Choose a Chase Business Credit Card?

• Generous rewards programs: Chase offers a variety of rewards programs, including points, miles, and cash back, allowing you to maximize your spending.
• Competitive interest rates: Chase offers competitive interest rates on its business credit cards, helping you save money on interest charges.
• Robust fraud protection: Chase has strong fraud protection measures in place to help safeguard your account from unauthorized transactions.
• Excellent customer service: Chase has a reputation for providing excellent customer service, with a variety of channels available for assistance.
• Wide acceptance: Chase business credit cards are widely accepted at millions of merchants worldwide.

Types of Chase Business Credit Cards

Chase offers a variety of business credit cards, categorized by their benefits and rewards programs:

Chase Ink Business Cash

• Rewards: 5% cash back on the first $25,000 spent each account year on office supplies, internet, cable, phone services, and gas stations. 1% cash back on all other purchases.
• Annual Fee: None
• Sign-Up Bonus: Earn 50,000 bonus points after spending $5,000 in purchases within the first 3 months from account opening.
• Best for: Businesses that make regular purchases in the categories mentioned above.

Chase Ink Business Preferred

• Rewards: 3 points per $1 spent on travel, shipping, and dining, 1 point per $1 spent on all other purchases.
• Annual Fee: $95
• Sign-Up Bonus: Earn 80,000 bonus points after spending $5,000 in purchases within the first 3 months from account opening.
• Best for: Businesses with high travel expenses, shipping needs, or frequent dining.

Chase Ink Business Unlimited

• Rewards: 1.5 points per $1 spent on all purchases.
• Annual Fee: None
• Sign-Up Bonus: Earn 75,000 bonus points after spending $5,000 in purchases within the first 3 months from account opening.
• Best for: Businesses with consistent spending across a variety of categories.

Chase Ink Business Cash Preferred

• Rewards: 2% cash back on the first $50,000 spent each account year on all purchases, 1% cash back on all other purchases.
• Annual Fee: $95
• Sign-Up Bonus: Earn 100,000 bonus points after spending $10,000 in purchases within the first 3 months from account opening.
• Best for: Businesses that make consistent purchases across a variety of categories.

Chase Freedom Unlimited for Business

• Rewards: 1.5 points per $1 spent on all purchases.
• Annual Fee: None
• Sign-Up Bonus: Earn 20,000 bonus points after spending $500 in purchases within the first 3 months from account opening.
• Best for: Businesses that prioritize cash back rewards without an annual fee.

Chase Marriott Bonvoy Business Credit Card

• Rewards: Earn 6 points per $1 spent at Marriott properties, 2 points per $1 spent on all other purchases.
• Annual Fee: $95
• Sign-Up Bonus: Earn 80,000 Marriott Bonvoy bonus points after spending $3,000 in purchases within the first 3 months from account opening.
• Best for: Businesses that frequently travel and stay at Marriott hotels.

Chase IHG Rewards Club Business Credit Card

• Rewards: Earn 10 points per $1 spent at IHG hotels, 1 point per $1 spent on all other purchases.
• Annual Fee: $89
• Sign-Up Bonus: Earn 140,000 IHG Rewards Club points after spending $3,000 in purchases within the first 3 months from account opening.
• Best for: Businesses that frequently travel and stay at IHG hotels.

Chase Southwest Rapid Rewards Performance Business Credit Card

• Rewards: Earn 2 Rapid Rewards points per $1 spent on Southwest Airlines purchases and at restaurants, 1 point per $1 spent on all other purchases.
• Annual Fee: $199
• Sign-Up Bonus: Earn 80,000 Rapid Rewards points after spending $5,000 in purchases within the first 3 months from account opening.
• Best for: Businesses that frequently fly Southwest Airlines.

Chase United MileagePlus Business Card

• Rewards: Earn 2 miles per $1 spent on United Airlines purchases, 1 mile per $1 spent on all other purchases.
• Annual Fee: $99
• Sign-Up Bonus: Earn 60,000 bonus miles after spending $3,000 in purchases within the first 3 months from account opening.
• Best for: Businesses that frequently fly United Airlines.

Factors to Consider When Choosing a Chase Business Credit Card

When selecting a Chase business credit card, consider the following factors:

• Your business spending habits: Analyze your business expenses to determine which card offers the best rewards for your spending patterns.
• Your credit score: Chase has varying credit score requirements for its business credit cards. Check the eligibility criteria for each card before applying.
• Annual fees: Compare the annual fees of different cards to ensure they fit your budget.
• Sign-up bonuses: Take advantage of sign-up bonuses to maximize your rewards earnings.
• Perks and benefits: Consider additional perks and benefits offered by each card, such as travel insurance, purchase protection, or rental car discounts.

Tips for Applying for a Chase Business Credit Card

Follow these tips to increase your chances of approval:

• Check your credit score: Review your business credit score to see if you meet the eligibility requirements for the card you’re interested in.
• Provide accurate information: Ensure all the information you provide on the application is accurate and up-to-date.
• Be prepared for a hard credit inquiry: Applying for a new credit card will result in a hard credit inquiry, which can temporarily lower your credit score.
• Keep your debt utilization low: Aim to keep your credit utilization ratio below 30% to improve your creditworthiness.
• Avoid applying for multiple cards at once: Applying for too many cards within a short period can negatively impact your credit score.

Conclusion

Chase offers a wide range of business credit cards with diverse features and benefits. By carefully considering your business needs, spending habits, and creditworthiness, you can find the right Chase business credit card to help you earn rewards, manage expenses, and build your business credit.