However, Chase does not have a secured business credit card and typically requires a good credit score of at least 690 to qualify. If you’re considering a Chase business credit card for your small business, we compared some of the best Chase business credit cards to help you decide which one will help you reach your business goals. Ink Business Preferred credit cardholders can also take advantage of other included benefits, like fraud protection, account alerts, purchase protection, extended warranties, cell phone protection, trip cancellation and interruption coverage, and auto rental collision damage waiver. You also won’t have to worry about foreign transaction fees if you travel internationally. Though this card includes a $95 annual fee, the high welcome bonus makes the fee worth it for most small business owners.
Pros:
Huge welcome bonusNo additional cost for employee cardsNo foreign transaction fees3x rewards for common business expensesMultiple ways to redeem rewards
Cons:
Annual fee1x rewards in most categoriesNo introductory APR
For DoorDash users, this Southwest business credit card offers a complimentary annual DashPass that can be used by the cardholder and authorized users, or employees. Though the card has a $199 annual fee, the credits for Global Entry or TSA PreCheck, plus upgrades and annual bonus points can make this credit card a good choice for business owners.
Pros:
Anniversary bonus pointsWelcome bonusDoorDash and travel perks
Cons:
High annual feeLow tier business categories
With the first free checked bag perk, you can save up to $140 per round trip flight, plus get Priority boarding and 25% back on United inflight purchases. The two United Club℠ passes per year are good for one-time use and allow you access to the lounge in between flights. You also get 5,000 bonus miles on your card member anniversary each year to use towards travel or other incentives. The free employee cards can also help you rack up miles faster to use towards your next domestic or international trip.
Pros:
Travel perksAnnual anniversary miles
Cons:
Annual feeMiles earned usage limited compared to points usageBest travel perks limited to Star Alliance partners
Annual feesIntroductory offersRewards offersEarning structureRedemption optionsNew cardholder bonus offersAPRsOther incentives (free employee cards, special pricing, business management tools, etc.)
The most up-to-date information may not be referenced. Fee structures, perks, special offers, rates, and requirements are subject to change without notice. Rates and fees are usually based on the prime rate and are subject to fluctuation. If you simply want cash back on everyday business purchases, consider which Chase business credit card offers the most cash back in the categories you spend the most money in. If you are a frequent flyer with Southwest or United, you may want to apply for one of the co-branded Chase business credit cards instead. The way you spend money on business and everyday purchases can help you decide which Chase business credit card offers the best perks and incentives for you. When applying for a Chase business credit card, be aware that the bank has a strict rule in place called the 5/24 rule. If you have opened five or more personal credit cards in the last 24 months, you will be denied a Chase business credit card. The Chase co-branded and business travel cards are included in this rule, so you may need to review your credit report to determine if you are under the 5/24 rule to qualify.
Ink Business Unlimited® Credit Card: This Chase business credit card doesn’t have an annual fee and comes with a $750 bonus cash back if you spend at least $6,000 in the first three months. Plus, you’ll get a 0% introductory APR for the first year, then 17.74% - 23.74% variable thereafter. It didn’t make our list of the best Chase business credit cards because it only offers 1.5% cash back on all purchases, though the unlimited in the name means you aren’t capped on earning rewards points.Southwest® Rapid Rewards® Premier Business Credit Card: This Chase business credit card comes with a $99 annual fee and 60,000 bonus points after you spend $3,000 in the first three months. Cardholders can enjoy zero foreign transaction fees, travel and purchase coverage, and free checked bags. The highest earnings category is only two points per $1 spent in select categories and it doesn’t have as many additional benefits, which is why it didn’t make our list of best Chase business credit card options.
