Keeping your business and personal expenses separate is very important so you can keep track of your finances and avoid overspending.
That’s where business credit cards come in because every purchase you make with your card is automatically recorded on your account. Plus, these cards often come with solid rewards rates, welcome bonuses, travel/buyer protection and more.
In this article, we’ll rank the best Chase Business Credit Cards for you so you can decide which one to get.
Best Welcome Bonus: Ink Business Preferred® Credit Card
Best for Everyday Spending: Ink Business Unlimited® Credit Card
Best for Southwest Airlines: Southwest® Rapid Rewards® Performance Business Credit Card
1. Ink Business Preferred® Credit Card
Best Welcome Bonus & Travel Benefits
- Earn 100,000 Ultimate Rewards Points After Spending $15,000 in Purchases in the First 3 Months
- 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
- 25% Additional Points Value in Travel Redemption
- Primary Rental Car Insurance
- Trip Cancellation/Interruption Insurance
- Cell Phone Protection
- Purchase Protection and Extended Warranty
- No Foreign Transaction Fees
- $95 Annual Fee
The Ink Business Preferred® Credit Card is a versatile business rewards card earning 3x Chase Ultimate Rewards points on up to $150,000 in combined purchases per year in business categories, including shipping, online advertising, internet, phone, and travel.
This business card offers a lucrative bonus of 100,000 points worth $1,000 cash back or $1,250 when redeemed toward travel via Chase.
For $95 per year, the Chase Ink Business Preferred offers comprehensive protection, including trip cancellation insurance, trip delay insurance, primary rental car insurance, purchase protection, cell phone insurance, and extended warranty.
2. Ink Business Unlimited® Credit Card
Best Flat-rate Cashback
- Earn $750 Bonus Cash Back After Spending $6,000 in the First 3 Months.
- Unlimited 1.5% Cash Back on Every Purchase
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
The Ink Business Unlimited® Credit Card is a no-annual-fee card that earns 1.5% cash back on all purchases, with a huge welcome bonus of $900 after spending $6,000 in the first 90 days.
It also pairs well with the Chase Sapphire Preferred or Chase Sapphire Reserve, which unlocks the ability to convert the Ink Business Unlimited cash back to airline and hotel points.
This combo allows you effectively earn 1.5 airline miles per dollar with this card, which is worth more than 1.5% cash back.
3. Ink Business Cash® Credit Card
Best for Cashback Towards Bonus Categories
- Earn a $750 Cash Welcome Bonus After Spending $6,000 in the First 3 Months.
- 5% Cash Back at Office Supply Stores, Internet, Cable, and Phone Services up to $25,000 Each Account Year
- 2% Cash Back at Gas Stations and Restaurants Up to $25,000 Each Account Year
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
The no-annual-fee Ink Business Cash® Credit Card currently offers a $900 cash-back bonus when you spend $6,000 in purchases in the first 3 months.
Plus, the Ink Business Cash earns:
- 5% 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.
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- 1% cash back on all other purchases.
The card also offers nice benefits such as primary rental car insurance (when renting for business purposes), 120-day purchase protection, and extended warranty protection.
4. United℠ Business Card
Best for United Flyers
- Earn 75,000 Miles after Spending $5,000 in the First 3 Months
- 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
- 2 United Club One-Time Passes Per Year
- $100 United Travel Credit
- Free First Checked Bags and Priority Boarding
- Primary Rental Car Insurance
- Trip Delay and Trip Cancellation/Interruption Insurance
- $0 Intro Annual Fee, $99 Annual Fee Thereafter
The United℠ Business Card currently offers a welcome bonus of 75,000 miles after spending $5,000 within three months.
The United Business card offers nice perks on United Airlines, including:
- Two United Club lounge passes annually;
- Priority boarding for you and your companions;
- Free first checked bag for you and one companion on the same reservation;
- 25% back on in-flight purchases in the form of statement credits;
- $100 Annual Travel Credit if you make at least seven United flight travel-related purchases, each totaling at least $100;
- Anniversary bonus of 5,000 miles;
- Premier upgrades on award tickets;
- Expanded award availability; and
- Ability to earn Premier Qualifying Points for United elite status with spending.
5. Southwest® Rapid Rewards® Performance Business Credit Card
Best for Earning Companion Pass
- Earn 80,000 Bonus Points After Spending $5,000 in the First 3 Months
- 4X Points on Southwest Airlines
- 2X Points in Ridesharing, Transit, Social Media and Search Engine Advertising, Internet, Cable, & Phone
- 9,000 Bonus Points for Each Cardmember Anniversary
- 4 Upgraded Boardings Per Year
- 365 InFlight WiFi Credits Each year
- $100 Global Entry or TSA PreCheck Credit
- $199 Annual Fee
The Chase Southwest® Rapid Rewards® Performance Business Credit Card is Southwest’s top-tier business credit card earning 4x points on Southwest purchases, 3x points on Rapid Rewards hotel and car rental partners, and 2x points on online advertising, internet, cable, phone, ridesharing, and local transit.
In addition to rewards for everyday expenses, the Southwest Performance Business card offers an enticing welcome offer of 80,000 bonus points when you spend $5,000 within your first three months.
For a $199 annual fee, you also get four upgraded boardings annually, 9,000 bonus points every cardmember anniversary, $100 Global Entry or TSA PreCheck credit every four years, and up to 365 in-flight Wi-Fi credits.
The Southwest Performance Business card also comes with lost luggage reimbursement, baggage delay insurance, secondary rental car insurance, purchase protection, and an extended warranty.
6. Southwest® Rapid Rewards® Premier Business Credit Card
Best for Southwest Flyers
- Earn 60,000 Rapid Rewards Points After Spending $3,000 in the First 3 Months
- 3X Points on Southwest Purchases
- 2X Points on Transit, Rideshare, and Commuting
- 6,000 Anniversary Points
- 2 EarlyBird Check-Ins Per Year
- 25% Savings on In-Flight Purchases
- Lost Luggage and Baggage Delay Insurance
- $99 Annual Fee
The Chase Southwest® Rapid Rewards® Premier Business Credit Card is Southwest’s mid-tier business credit card offering 3x points on Southwest purchases and 2x points on Rapid Rewards hotel and car rental purchases, local transit, and commuting, including rideshare.
At only $99 per year, this card also offers 6,000 bonus points for each cardmember anniversary, two EarlyBird check-in each year, and 25% discounts on in-flight purchases.
The Southwest Premier Business card also comes with lost luggage reimbursement, baggage delay insurance, secondary rental car insurance, purchase protection, and an extended warranty.
7. IHG® Rewards Premier Business Credit Card
Best for Free Reward Nights
- Earn 140,000 IHG Bonus Points After Spending $3,000 in the First 3 Months.
- 10x at IHG Hotels & Resorts
- 5x Points on Travel, Dining, Select Business, and at Gas Stations
- Free Anniversary Free Night
- IHG Platinum Elite Status
- $99 Annual Fee
The Chase IHG® Rewards Premier Business Credit Card is a good option if you spend a few nights a year at an IHG Hotels and Resorts such as the Holiday Inn, Kimpton, Intercontinental, Hotel Indigo, or Crowne Plaza.
Cardmembers earn 10 points per dollar at IHG Hotel and Rewards, 5 points per dollar on travel, dining, select business, and at gas stations, and 3 points per dollar on all other purchases.
Plus, you get nice perks such as IHG Platinum Elite status, a free anniversary free night, fourth night free on award stays, purchase protection, and Global Entry, TSA PreCheck, or a NEXUS statement credit.
