Chase Business Credit Card Comparison: Which Has the Best Rewards?

Discover a Chase credit card for your business needs.

Although it’s true you can’t avoid business expenses, that doesn’t mean you shouldn’t get rewarded for spending money. One way to get more bang for your business buck is to consider Chase credit — specifically a Chase rewards card — designed for work-related expenses. When you participate in the Chase credit cards rewards program, you can rack up redeemable points or opt for cash back.

Here’s what you need to know about Chase’s available offerings, so you can choose the right tool for your needs and capitalize on the business credit card benefits.

Chase Business Credit Card Review

To save you the trouble of having to gather the most important details of Chase credit card offers on your own, GOBankingRates has assembled a list of current rewards to help you decide if a Chase credit card is worth it for you and your business.

Chase Business Credit Cards Products and Services

Ink Business Preferred

Annual Fee: $95
APR: Variable 16.99% to 21.99% APR

The Ink Business Preferred credit card offers the most generous bonus for new cardmembers among the entire Chase Business credit card line: 80,000 Ultimate Rewards points. Those points can be used to book $1,000 of travel rewards when using the Chase Ultimate Rewards redemption portal.

The card also provides triple points in these specific spend categories:

  • Travel
  • Shipping purchases
  • Internet, cable and phone services
  • Advertising purchases made on social media sites and search engines

The Ink Business Preferred card carries no foreign transaction fees and includes a perk not seen in many cards: Cell phone protection of up to $600 for theft or damage, with a $100 deductible, up to three times per 12-month period. Protection applies to the phones — yours or those of employees — on a cell phone bill that you pay with the card.

United MileagePlus Explorer Business Card

Annual Fee: $0 intro annual fee for the first year, then $95
APR: Variable 16.99% to 23.99% APR

The United MileagePlus Explorer Business Card’s main benefits include double United miles on any United ticket purchases, restaurants, gas stations and office supply stores. Plus, enjoy a hefty upfront bonus of 50,000 miles for spending of $3,000 in the first three months of card ownership. You’ll also get priority boarding with the card, a free checked bag when you fly, and two United Club passes each year — and you’ll never pay a foreign transaction fee.

Chase, Citi and 9 More: Best Business Credit Cards

Ink Business Cash Credit Card

Annual Fee: $0
APR: Intro 0% APR for first 12 months on purchases and balance transfers, then variable 14.24% to 20.24% APR.

Earn a $300 bonus on the first $3,000 spent in the first three months following account opening. After that, you’ll earn 5 percent cash back on the first combined $25,000 you spend annually at office supply stores and on internet, cable and phone services, and 2 percent cash back for the same amount spent annually at gas stations and restaurants.

Southwest Rapid Rewards Premier Business Card

Annual Fee: $99 applied to first billing statement
APR: Variable 16.99% to 23.99% APR

Although non-expiring, unlimited bonus points are a nice perk that many people can use, the primary benefits of the card apply mainly to those who frequently fly Southwest Airlines.

The Southwest Rapid Rewards Card features these benefits:

  • 60,000 bonus points after spending $3,000 in the first three months
  • 2x points on Southwest purchases
  • 6,000 bonus points after your cardmember anniversary
  • No foreign transaction fees
  • Lost luggage reimbursement, extended warranty and purchase protection

Southwest Airlines Rapid Rewards Credit Card: Earn Free Flights and Travel Perks

Marriott Rewards Premier Business Credit Card

Annual Fee: $99
APR: Variable 16.99% to 23.99% APR

With the Chase Marriott Rewards Premier Business Credit Card, you’ll earn five points for every $1 you spend at Marriott, The Ritz-Carlton or Starwood hotels, along with two points on airline ticket purchases, car rental agencies, restaurants, office supply stores or internet, cable and phone services. You’re also granted Marriott Rewards Gold Status and 80,000 bonus points after spending $3,000 in the first three months. Plus, you’ll get an annual free night stay in a partner hotel each year following your account anniversary.

Pros and Cons of Chase Business Credit Cards

Each Chase business credit card provides beneficial perks. Some cards offer 0 percent balance transfers, whereas others pay additional benefits based on how you use the card. Review the spending patterns of your business, so you can select the card with the highest return based on how you use your credit. Here are the advantages and drawbacks of using Chase business credit cards.

Pros

Beyond the headline benefits, however, Chase business credit cards provide a number of additional high-level benefits, including:

  • Fraud alerts
  • Employee cards
  • Trip cancellation insurance
  • Extended warranty protection

Cons

The primary disadvantages when it comes to Chase business credit cards are:

  • Most charge annual fees.
  • All carry interest rates on purchases — at least after the first year.

Is a Chase Rewards Business Credit Card Worth It for Your Business?

The Chase Ink Business Preferred card provides the best upfront bonus and the most wide-reaching Chase rewards benefits. For people who fly for business on United or Southwest or frequently stay at Marriott hotel properties, one of those rewards cards might offer the best bang for the buck. The other cards reviewed also have features and benefits that you might find appealing.

But, as with all cards, make sure that the rewards outweigh the cost of any fees or interest charges before you commit to one.

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