Expiry Disclaimer: The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
When choosing a Chase business card, there is no “one-size-fits-all” solution. The best Chase business card for your business depends on what you send on, whether you want cash back, value travel rewards, or better earnings on specific categories.
Today we’ll be breaking down the top three Chase business cards we suggest to business owners to help you find the perfect fit:
The Ink Business Premier® Credit Card is for large purchases and straightforward cash-back
The Ink Business Preferred® Credit Card is for ad spend, bonus categories, and travel redemptions
The Ink Business Unlimited® Credit Card is for simplicity and flexibility
Best Business Credit Card: Top 3 Options for Rewards, Travel and Everyday Spending
Chase Ink Business Premier® Credit Card: Best for High-Spending Businesses Focused on Cash Back
The Chase Ink Business Premier is ideal for businesses making large purchases that want cash-back rewards without wanting to transfer points to travel partners.
Cash Back Structure: Earn 2% cash back on every business purchase and an impressive 2.5% cash back on purchases over $5,000, making it one of the best cards for businesses with large expenses. This setup is designed for those who prioritize cash back and often have large bills to pay.
Redemption Limitations: Unlike other Chase business cards, the cash back earned with the Ink Business Premier is non-transferable to Chase’s travel partners. Instead, you’ll redeem your rewards as a statement credit or cash back, which is ideal if travel isn’t a priority.
Annual Fee: At $195, the annual fee is higher than most, but the cash-back rewards on high-value purchases can quickly offset this cost.
Ideal For: Businesses with large expenses that want straightforward cash back without the need for travel redemption
Learn how to leverage credit cards to fly first class.
Free Newsletter
Ink Business Preferred® Credit Card: Best for Bonus Categories and Flexible Travel Redemptions
For businesses with spending in specific categories and a focus on travel rewards, the Ink Business Preferred® Credit Card is a versatile card with competitive earring rates and transfer opportunities to Chase’s travel partners.
Bonus Categories: This card earns 3x points on up to $150,000 in combined purchases each across specific business categories, including shipping, online advertising, travel and internet/cable/phone services. These categories are particularly beneficial for businesses or agencies with large advertising expenses.
Travel Redemption Options: Unlike the Ink Business Premier, points earned with the Ink Business Preferred can be transferred to Chase’s travel partners, allowing cardholders to turn everyday purchases into significant travel rewards.
Annual Fee: With a $95 annual fee, the Ink Business Preferred® Credit Card offers high value for the rewards and travel flexibility it provides, making it affordable for most businesses.
Ideal For: Any business with regular spending in those bonus categories and a desire to maximize travel rewards by transferring points to airline or hotel partners.
Ink Business Unlimited® Credit Card: best for Simple, Flexible Cash Back with No Annual Fee
If simplicity is your main priority, the Ink Business Unlimited® Credit Card offers an easy-to-understand rewards structure with the added flexibility of cash back or travel rewards.
Flat Cash Back Rate: Earn 1.5% cash back on all eligible purchases, with no caps or bonus categories. This straightforward approach is ideal for business owners who don’t want to track spending in specific categories and prefer a consistent earning rate across all purchases.
Transfer Option with Other Chase Cards: While the Ink Business Unlimited® Credit Card doesn’t directly transfer points to travel partners, cardholders can move rewards to a points-earning Chase card (like the Ink Business Preferred) to unlock travel redemption options. This makes it a highly flexible option, Especially if you have another Chase card in your wallet.
No Annual Fee: With a $0 annual fee, this card is a great choice for businesses that want easy cash back without any added cost.
Ideal For: Business owners who want a no-fee, no-fuss rewards card with the flexibility to transfer cash back into travel points if paired with another Chase card.
How to Choose the Best Chase Business Card: Cash Back or Travel Rewards?
The best Chase business card for your needs will come down to how you want to use your rewards and what your spending looks like. Here’s a quick guide to help you decide:
If Cash Back is Your Priority: The Ink Business Premier® Credit Card offers the most cash back for high- transaction businesses. However, if you’re seeking a straightforward, no fee option, the Ink Business Unlimited® Credit Card provides consistent 1.5% cash back with no cost or complexity.
If You want Travel Rewards: The Ink Business Preferred® Credit Card is your best option for redeeming points through Chase’s travel portal. Its 3x points in key business categories and the ability to transfer points for travel make it a top choice for businesses with high ad spend or shipping costs.
Maximize Rewards with a Combines Strategy
One of the unique benefits of Chase’s business cards is their versatility when used together.
For example, you can pair the Ink Business Unlimited with the Ink Business Preferred to earn consistent cash back on every eligible purchase while transferring those rewards to travel partners through the Preferred card.
This strategy allows you to maximize points for high-value travel redemptions, even if you don’t spend significantly in bonus categories.
Final Thoughts
Each Chase business card offers something unique, so the best card ultimately depends on your business’s spending habits and reward goals.
If cashback is your focus, consider the Ink Business Premier® Credit Card for high-expense purchases or the Ink Business Unlimited® Credit Card for simplicity.
For travel redemptions, the Ink Business Preferred® Credit Card provides excellent value with its bonus categories and flexible points transfer.
If you’re ready to get the most from Chase’s business cards, consider combining the Ink Business Unlimited® Credit Card with the Ink Business Preferred® Credit Card for maximum flexibility in cash-back and travel rewards.
† Terms and conditions apply. Chase is not responsible for maintaining the content on this site.
