Best Chase Business Credit Cards
These are the best products for you based on your credit.
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Best Chase Business Credit Cards
Chase's no annual fee lineup stands out because it works within the broader Chase Ultimate Rewards® ecosystem. Chase Freedom Unlimited®, Chase Freedom Flex®, Chase Freedom Rise®, Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card, and Chase Slate® all have no annual fee, while select cards earn cash back rewards that can later be combined with an eligible premium Chase card and transferred to participating airline and hotel loyalty programs.
Ink Business Cash® Credit Card
on Chase's secure site
- Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
- Up to 5% cash back on select purchases
- 0% Intro APR on Purchases for 12 months, then 16.74% - 24.74% Variable
- $0
- Excellent/Good
Ink Business Unlimited® Credit Card
on Chase's secure site
- Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
- Unlimited 1.5% cash back on every purchase made for your business
- 0% Intro APR on Purchases for 12 months, then 16.74% - 24.74% Variable
- $0
- Excellent/Good
Ink Business Preferred® Credit Card
on Chase's secure site
- Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
- No foreign transaction fees and receive complimentary access to DashPass by DoorDash.
- $95
- Excellent/Good
About Chase Business Cards:
Chase's Ink Business family is one of the strongest business credit card lineups available. Four core cards — Ink Business Cash® Credit Card, Ink Business Unlimited® Credit Card, Ink Business Preferred® Credit Card, and Sapphire Reserve for Business℠ — earn Chase Ultimate Rewards®. Points can be combined across eligible Ultimate Rewards accounts and transferred through eligible cards to the same airline and hotel partners available with Chase Sapphire consumer cards. Two of the four Ink Business cards have no annual fee, which is uncommon among cards that earn transferable rewards.
One strategy some small-business owners use is pairing Ink Business Preferred® Credit Card, Ink Business Cash® Credit Card, and Ink Business Unlimited® Credit Card to maximize rewards across different spending categories. Depending on a business's spending mix and redemption strategy, this setup can generate strong overall rewards earnings while keeping annual fees relatively low.
The Sapphire Reserve for Business℠ is Chase's newer premium business travel card — with a higher annual fee, travel-focused rewards, and premium perks such as airport lounge access. For travel-heavy businesses, it may replace or complement the Ink Business Preferred® Credit Card, depending on annual spending and the value placed on premium travel benefits.
Frequently Asked Questions:
Can I get a Chase Ink business card as a sole proprietor?
Yes. Sole proprietors, freelancers, gig workers, and side-business owners can apply for Chase Ink business credit cards. Sole proprietors can typically use their Social Security number as their tax identification number and identify their business type during the application process.
Do Chase business cards count toward the 5/24 rule?
Most Chase Ink business cards typically do not add to your 5/24 count because they generally do not report ongoing account activity to personal credit bureaus. However, Chase's unofficial but widely reported 5/24 rule may still affect approvals for new Chase business cards.
Which Chase Ink card has the best welcome offer?
Welcome offers can change over time, but currently the Ink Business Preferred® Credit Card offers 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That is one of the largest welcome bonuses currently available among Chase business credit cards. Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card also offer valuable welcome bonuses, though they are typically structured differently.
Can I transfer Ink Business Cash rewards to airlines?
Yes, but not directly. Rewards earned with Ink Business Cash® Credit Card are tracked as Chase Ultimate Rewards® points. To transfer points to airline or hotel partners, you must also have an eligible premium Ultimate Rewards card, such as Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve®, and combine your points into that account before transferring.
How many Chase Ink cards can I have at once?
Chase does not publish a specific limit on the number of Ink Business credit cards a customer can hold. Many cardholders have reported holding multiple Ink Business cards at the same time, though eligibility and approval requirements may vary by application and card product.
