Best Chase Business Credit Cards in 2019

It’s easier to qualify for a business credit card than a lot of people think. Whether you have a Tax-ID number or run a side hustle as a sole proprietor, it’s worth having a separate business credit card to keep track of your expenses and rack up points for business travel.

Chase, a well-known consumer line, offers an excellent array of business credit cards to choose from. Among its offerings are six helpful options – there are three Ink Business card options and three co-branded airline credit cards that let you partner with either Southwest or United.

What’s the Best Chase Business Credit Card?

chase ink business preferred credit card
  • earn 80,000 bonus points after spending $5,000 in the first 3 months
The cards in the Ink Business family are known as the best Chase business credit cards because of the staggering rewards for travel and other popular cash back categories.

Particularly, the welcome bonus that comes with the Chase Ink Business Preferred card is enough to entice any small business owner who spends roughly $1,600 on monthly operating expenses, or that has a large purchase coming up.

That’s because, right now, Chase Ink Business Preferred cardholders can cash in on a whopping 80,000 points when they spend $5,000 in the first three months. This bonus equates to roughly $1,000 in travel rewards.

But it seems that Chase has thought things through on many levels, including how to make sure its airline credit cards pack a valuable punch.

For example, the Chase Southwest Airlines Rapid Rewards Performance Business Credit Card specifically rewards for a digital business owner’s most common expense: social media and search engine advertising.

This is a breakthrough offering that stacks the Southwest Rapid Rewards Performance Business card above previous generations of business credit cards.

6 Best Chase Business Credit Cards

Chase offers three Ink Business cards options at different reward levels, and three co-branded airline credit cards through either Southwest or United.

Here are the details of Chase’s best business credit cards:

Ink Business Cash Credit Card

Chase Ink Business Cash Credit Card

Current Offer:

  • $500 bonus cash back after you spend $3,000 on purchases in the first three months
  • 0% Intro APR for 12 months.

Rewards:

  • 5% cash back on select business categories like office supplies, internet, cable, and phone services.
  • Earn 2% cash back at restaurants and gas stations for the first $25,000 spent every calendar year.
  • Unlimited 1% cash back on all other purchases.

Pros

  • No annual fee
  • Add employee cards at no additional cost.
  • Industry-leading Fraud Protection
  • Travel and Roadside Assistance
  • Secondary Car Rental Insurance (Collision Damage Waiver)
  • Purchase Protection and Extended Warranty Protection

Cons

  • 3% foreign transaction fee 

Ink Business Unlimited Credit Card

Chase ink business unlimited credit card

 Current Offer:

  • $500 cash back after you spend $3,000 in purchases in the first 3 months
  • 0% Introductory APR for 12 months

Rewards:

Pros

  • No annual fee
  • Add employee cards at no additional cost.
  • Industry-leading Fraud Protection
  • Travel and Roadside Assistance
  • Secondary Car Rental Insurance (Collision Damage Waiver)
  • Purchase Protection and Extended Warranty Protection

Cons

  • 3% foreign transaction fee

Ink Business Preferred Credit Card

chase ink business preferred credit card
  • earn 80,000 bonus points after spending $5,000 in the first 3 months

Current Offer:

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first three months after account opening (equivalent to over $1,000 in rewards)

Rewards:

  • Unlimited 1X points on all other purchases
  • 3% cash back up to $150,000 spent on combined expenses in the following areas:
    • Travel
    • Shopping
    • Social Media & Search Engine Advertising
    • Internet
    • Shipping Purchases
    • Cable & Phone Service

Pros

  • No foreign transaction fee
  • Add employee cards at no additional cost
  • Industry-leading Fraud Protection
  • Travel and Roadside Assistance
  • Secondary Car Rental Insurance (Collision Damage Waiver)
  • Purchase Protection and Extended Warranty Protection

Cons

  • $95 annual fee

Southwest Rapid Rewards Performance Business Credit Card

Southwest Rapid Rewards Performance Business Credit Card
  • earn 70,000 points after spending $5,000 in the first 3 months

Current Offer:

  • 70,000 in Rapid Reward Points after spending $5,000 in your first three months

Rewards:

  • 3X points on Southwest Airlines and Rapid Reward partner hotels and car rentals. 2X points on social media and search engine advertising. 2X points on internet, cable, and phone services. 1X points on all other spendings.
  • Receive 9,000 Anniversary Points each year

Pros

  • Annual $100 Global TSA PreCheck application reimbursement
  • Four upgraded boardings per year (when available)
  • Earn points to move your spot in the line up to the A-list
  • In-flight wi-fi credits.
  • No blackout dates

Cons

  • $199 Annual Fee 

Southwest Rapid Rewards Premier Business Credit Card

Southwest Rapid Rewards Premier Business Credit Card
  • 60,000 rapid reward points after spending $3,000 in the first 3 months

Current Offer:

  • 60,000 in Rapid Reward Points after spending $3,000 in your first three months.

Rewards:

  • 2X points on Southwest Airlines and Rapid Reward partner hotels and car rentals.
  • 1X points on all other spendings.
  • Receive 6,000 Anniversary Rewards every year

Pros

  • Earn points to move your spot in the line up to the A-list
  • No blackout dates

Cons

  • $99 Annual Fee

United Explorer Business Card

United Explorer Business Card
  • 50,000 bonus miles after spending $5,000 in the first 3 months

Current Offer:

  • 50,000 bonus miles after you spend $5,000 on purchases in the first three months

Rewards:

  • 2X miles on United purchases
  • 2X miles on restaurants, gas stations, and office supply stores

Pros

  • Your first checked bag is free.
  • Miles never expire.
  • Priority boarding
  • Receive two United Club passes every year

Cons

  • $95 annual fee (but waived the first year)

How Many Chase Business Credit Cards Can You Have?

best chase business credit cardsThere is no limit to the number of Chase business credit cards a person can have at any moment, but there are a few considerations.

For starters, Chase will require an application for each credit card. For every application, your credit history, credit amounts, credit utilization rate, and income will be taken into consideration, among other factors that prove creditworthiness.

Secondly, Chase is very specific about the number of cards it approves within a short time.

There are two ways Chase limits its credit card approvals.

The first way is that Chase only approves up to two credit card applications within a 30-day timeframe. So, the highest number of new Chase credit cards you can get in a month is two.

The second way is with Chase’s 5/24 rule, which determines that Chase will not approve an applicant for a new Chase credit card if the person has already opened five new credit cards (from any company or bank) over the past 24 months. This is an internal rule that Chase does not make super well-known to the public, but most credit card experts are aware of.

So, if you’ve already opened five credit cards in the past two years, you’ll need to wait a while before applying for a Chase Business card.

The good news is that Chase does not count every business credit card you have towards your total when calculating the 5/24 rule. The business cards that do count towards your total are Capital One and Discover.

Can I Get a Business Credit Card with my EIN?

Applying for a small business credit card is just like applying for a personal credit card, except you will need to provide your business’s legal name and Tax-ID number (EIN) if it has one.

If you are operating your business as a sole proprietorship and only use your social security number, then you will provide this as you would for any other credit card application.

The main difference in applying for a business credit card is that you will need to provide your business’s estimated annual revenue instead of your personal income, along with your estimated monthly spending. These factors will go into determining your credit limit.

You will also need to provide your business’s tax structure (LLC, S-Corp, Sole Proprietor, etc.), the number of employees you have, your business’s contact information, and the field or industry where you operate. The final difference is that you’ll likely want to set up payments and billing through a business checking account instead of your personal bank account. That way, you can keep all of your finances separate.

Your business credit card application will be based on your personal credit history, so make sure that you are in good credit standing to have the best chances of getting a good business credit card.

Though it might be tempting to lie and project higher revenues than you expect, it’s best to be honest. You can always speak to a representative over the phone if you have questions about how to get the best business credit card for your circumstances.

How do I add my Credit Card to my Chase Business Account?

If you currently rely on a Chase Business Checking account, you can easily sync your Chase business credit cards for automated bill pay.

In many cases, your fees for your Chase Business Checking account will be waived when you maintain a certain account balance or link a Chase credit card to your account.

Chase also offers a Business Resource Center with valuable articles and information to answer questions for the small business owner.

To sync your accounts, you must first log into your Chase account and select “Manage Accounts.” From there, select “Add accounts” and select the accounts that you’d like to view online.

David Weliver

David Weliver

David Weliver is the Credit Cards Editor at Millennial Money. He is the Founder of Money Under 30 and is widely regarded as one of the top credit card rewards experts in the world. David has been writing about personal finance and credit cards since 2006 and been featured in The New York Times, NPR, USA Today, Forbes, and many others.
David Weliver

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