9 Best Chase Business Credit Cards for 2025

Seeking out the most coveted business credit card from Chase’s Ink family alternatives can be burdensome, but selecting your go-to card can be a tremendous asset to your business. If you are in the market for travel rewards, rebates, or points, Chase delivers a multitude of business credit cards tailored to meet different business needs. Here’s a closer look at the best Chase business credit card alternatives for 2025.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Business owners will find this highly useful, especially with the unlimited rewards. The card is also very beneficial for those businesses heavily investing in advertising and travel since they earn huge sign-up bonuses as well as high rates for essential business categories.

Costs

• Annual fee: $95.
• The APR: The applicable variable annual percentage rate, subject to change, between 15.99% and 20.99% reliant on your financial standing.
• Foreign transaction fee: None.

Requirement

• Credit score: Excellent (700+).
• Business verification: Proof of business ownership or partnership, such as business registration documents, business tax ID, and financial statements.

Key features

• Introductory bonus: Earn $90,000 extra points when you reach $8,000 in charges in the first 3 months from account opening. This bonus may attain a value of up to $1,845 upon redemption for travel through the Ultimate Rewards program.
• Rewards: For the first $150,000 in combined annual purchases, you will earn 3 points per $1. After reaching the spending cap, and for all other purchases, earn 1 point per $1.
• Cell phone protection: If you pay your monthly cell phone bill with this card, you are automatically covered. Should your phone suffer damage or be stolen, this benefit provides reimbursement up to $1,000 per claim for you and your eligible employees. Note that a $100 deductible applies to each of the three allowable claims per year.
• Trip delay insurance: For covered reasons, reimbursement for non-refundable, prepaid travel expenses is just $5,000 per person.

Pros

• High rewards rate in key business categories.
• Valuable travel benefits with point transfers to frequent travel programs.
• Generous sign-up bonus.
• Robust purchase protection and extended warranty benefits.
• No additional cost for employee cards.

Cons

• Annual fee of $95.
• High spending requirement for the sign-up bonus.

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

This card delivers a straightforward rewards structure with no yearly charge, forming it into an ideal for businesses that opt for uncomplicatedness in their rewards program. 

Costs

• Annual fee: None.
• The APR: The applicable variable annual percentage rate, subject to change, between 19.49% and 28.24% reliant on your financial standing.
• Foreign transaction fee: A fee equivalent to 3% of the transaction amount will be assessed for each transaction denominated in U.S. dollars.

Requirements

• Credit score: Good to Excellent (670+).
• Business validation: Evidence of business structure, such as business registration documents, business tax ID, and business financials.

Key features

• Introductory bonus: Earn $750 bonus rebate after you when you reach $6,000 in charges in the first 3 months from account opening. The cash back is exchangeable for as a reduction within your account or electronically transferred to a financial institution account.
• Cash incentive: Participants get 1.5% of their money back on all business payments, free from boundaries.
• Much like the Ink Preferred®, this card includes a price protection policy and extended warranty which provides coverage against theft and damage for any newly acquired items over a specific value. There is additional warranty coverage for up to one year for items with three year warranty and under. Per claim, the limit is $10,000 and up to $50,000 per account.

Pros

• Simple, flat-rate cash back on all purchases.
• No annual fee.
• Generous sign-up bonus.
• No additional cost for employee cards.
• Robust purchase protection and extended warranty benefits.

Cons

• No bonus categories for higher rewards.
• Limited travel benefits compared to other business cards.
• Foreign transaction fee of 3%.

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Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

This Chase card stands out as one of the best business credit cards for earning cash back, making it ideal for the self-employed looking to boost their rewards. 

Costs

• Annual fee: None.
• APR: Variable APR ranging from 17.49% – 25.49% based on your creditworthiness.
• Foreign transaction fee: 3% of each transaction in U.S. dollars.

Requirements

• Credit score: Good to Excellent (670+).
• Business verification: Proof of business ownership or partnership, such as business registration documents, business tax ID, and financial statements.

Key features

• Sign up bonus: $750 cash back after spending $6,000 within the first three months of account opening. Cash back is available as statement credits or bank deposits.
• Rewards: Receive a 5% rebate for first $25,000 of combined purchases made in an office supply store, and on internet, cable, and phone services each account anniversary year. Receive 2% rebate for first $25,000 combined purchases in gas stations and restaurants each account anniversary year. All other purchases receive a 1% rebate.
• Employee cards: In order to increase the rate at which rewards are earned, employee cards can be added without extra payments.
• Automatic credit line increases: As a Chase member you will automatically be checked to increase your credit line every six months or sooner.
• Lyft rewards: Bye March 2025, you can earn up to 5% cashback on all Lyft rides.

Pros

• High cash-back rate in key business categories.
• No annual fee.
• Generous sign-up bonus.
• No additional cost for employee cards.
• Robust purchase protection and extended warranty benefits.

Cons

• Lower overall cash-back rate compared to other cards.
• Spending caps on bonus categories.
• Foreign transaction fee of 3%.

United℠ Business Card

United℠ Business Card

The United℠ Business Card provides maximum utility and benefits by enabling simplified purchases, especially for loyal United Airlines customers who tend to travel frequently but do not satisfy the elite status requirement. The best Chase business credit card adds additional value by offering comprehensive perks that include one complimentary checked bag, priority boarding and 25% miles credit for eligible foods and beverages and airlines inflight purchases such as WiFi.

Costs

• Annual fee: $99.
• APR: Variable APR ranging from 17.49% to 24.49% based on your creditworthiness.
• Foreign transaction fee: None.

Requirements

• Credit score: Excellent (700+).
• Business verification: Proof of business ownership or partnership, such as business registration documents, business tax ID, and financial statements.

Key features

• Sign-up bonus: Receive an additional 75,000 bonus miles after making other purchases worth $5,000 within 3 months after account creation.
• Rewards: Receive double mileage units for each dollar equal to spending with United Credit Card for fir night, restaurants, gas, office supplies, public transport, and most other items. Everything else earns you a single mile for each dollar.
• Travel benefits: United in-flight purchases are reimbursed at 25% and priority boarding along with free checked luggage is provided as well. Moreover, the cardholders have access to United Club, travel, and purchase insurance protection, which includes protection against trip cancellation/interruption and damage to cars rented while on travel.
• Employee cards: No extra costs for employee cards, all spending generates miles.

Pros

• High rewards rate on United purchases.
• Valuable travel benefits for United flyers.
• Generous sign-up bonus.
• No additional cost for employee cards.
• Access to United Club passes.
• No foreign transaction fees.

Cons

• Annual fee of $99.
• Limited to United Airlines purchases for higher rewards.

Southwest® Rapid Rewards® Performance Business Credit Card

Southwest® Rapid Rewards® Performance Business Credit Card

This card is designed for companies that are members of Southwest, Inc. and their affiliates since they travel extensively by air, along with sensible rewards and Southwest specific benefits. Other benefits include waiver for fees associated with TSA PreCheck® and purchase insurance for travel, making business trips easier and more efficient for business owners.

Costs

• Annual fee: $199.
• The APR: The applicable variable annual percentage rate runs from 20.49% to 27.49% reliant on your financial standing.
• Foreign transaction fee: None.

Requirements

• Credit score: Good to Excellent (670+).
• Business verification: Proof of business ownership or partnership, such as business registration documents, business tax ID, and financial statements.

Key features

• Sign-up bonus: 80,000 points as a sign up bonus if the new customer spends $5,000 within the first three months of opening the account.
• Rewards: 4 points for purchase of Southwest Airlines, 3 points for trips in Rapid Rewards partner hotels and car rentals, 2 points for advertising bought on social media and search engines, and 1 point for all other expenses.
• Travel benefits: Experience the convenience of early boarding, complimentary checked baggage, and a 25% discount on onboard purchases. In addition to United Club passes, cardholders will receive trip cancellation or interruption insurance along with auto rental collision damage coverage.
• Anniversary points: Earn 9,000 anniversary points each year after your Cardmember anniversary.
• Companion pass®: Receive an additional 10,000 Companion Pass qualifying points each year.

Pros

• High rewards rate on Southwest purchases.
• Valuable travel benefits for Southwest flyers.
• Generous sign-up bonus.
• No additional cost for employee cards.
• Access to United Club passes.
• No foreign transaction fees.

Cons

• Annual fee of $199.
• Limited to Southwest Airlines purchases for higher rewards

Southwest® Rapid Rewards® Premier Business Credit Card

Southwest® Rapid Rewards® Premier Business Credit Card

Enterprises that have faith in SWA for their travel prerequisites will discover this card to be an advantageous asset. The card permits for quick accumulation of elite status qualifying points, delivering 1,500 TQPs for every $5,000 spent, which accelerates the achievement of elite status.

Costs

• Yearly fee: $99.
• APR: Ranging from 17.49% to 24.49%.
• Foreign transaction fee: None.

Requirements

• Credit points: Good to Excellent (670+).
• Business verification: Proof of business ownership or partnership, such as business registration documents, business tax ID, and financial statements.

Key features

• Sign-up bonus: You will receive 60,000 bonus points after making purchases worth $3,000 within the first three months from when the account was opened.
• Rewards: Earn 3 points per $1 spent on Southwest Airlines purchases, 2 points per $1 spent on Rapid Rewards with hotels and car rental partners, and 1 point per $1 spent on everything else.
• Travel benefits: 6,000 anniversary points in addition to two EarlyBird Check-In® per year and Global Entry or TSA PreCheck® credit after renewal of the Cardmember anniversary.
• Companion pass®: Receive an additional 10,000 Companion Pass qualifying points every year

Pros

• High rewards rate on Southwest purchases.
• Valuable travel benefits for Southwest flyers.
• Generous sign-up bonus.
• No additional cost for employee cards.
• Global Entry or TSA PreCheck® fee credit.
• No foreign transaction fees.

Cons

• Annual fee of $99.
• Limited to Southwest Airlines purchases for higher rewards.

World of Hyatt Business Credit Card

World of Hyatt Business Credit Card

This card offers compelling value for Hyatt loyalists seeking to accelerate their progress toward elite status or leverage the card’s 10% points rebate feature. 

Costs

• Yearly fee: $199.
• The APR: 20.49% – 27.49%. 
• Foreign transaction fee: None.

Requirements

• Credit point: Good to Excellent (670+).
• Need business verification

Key features

• Sign-up bonus: You will earn an additional 60,000 points as a bonus if you spend $5,000 within the first three months. Plus earn 1 free night at any category 1-4 Hyatt hotel after spending $15,000 within the first 6 months of account opening 2.
• Rewards: Earn 4 bonus points for every dollar spent on qualifying purchases at Hyatt hotels and resorts. Plus earn 2 bonus points for every dollar spent on dining out, tickets purchased directly from the airline, gym memberships, and local public transportation. All other purchases will earn 1 bonus point for every dollar spent.
• Travel benefits: Enjoy the complimentary world of Hyatt discoverists status for yourself and up to 5 employees. Also, after each year that the card is used, cardholders can claim one free night at a Hyatt hotel and resort within category 1 to 4. In addition, cardholders can receive up to $100 in Hyatt credits each year.
• Tier-qualifying night credits: Earn 5 Tier-Qualifying night credits toward status for every $10,000 you spend in a calendar year.

Pros

• High rewards rate on Hyatt purchases.
• Valuable travel benefits for Hyatt flyers.
• Generous sign-up bonus.
• No additional cost for employee cards.
• No foreign transaction fees.

Cons

• Annual fee of $199.
• Limited to Hyatt purchases for higher rewards

IHG® Rewards Premier Business Credit Card

IHG® Rewards Premier Business Credit Card

The IHG Premier Business card is quite useful for small business owners whose work requires them to frequently travel and stay at IHG properties. Bonus points are given for business related purchases made at IHG properties and for any specified expenses. Additionally, cardholders are given Platinum Elite status, and with each anniversary of the account, there is an additional complimentary night that can be redeemed each year for 40,000 points.

Costs

• Annual fee: $99.
• APR: Ranging from 19.99% to 28.49% 

Requirements

• Credit score: Good to Excellent (670+).
• Need business verification

Key features

• Key features: $4,000 needs to be spent in the first 3 months to gain 140,000 bonus points.
• Travel perks: Get complimentary Platinum Elite status and an extra night after an anniversary of being a Chase Sapphire member. Also get $100 statement credit after spending $20,000 each new calendar year.
• Employee cards: at no extra charge, including points earning perks for every purchase made.
• No fees for transactions made outside of the US: No fees for transactions made abroad.

Pros

• High rewards rate on IHG hotel stays.
• Valuable travel benefits for IHG flyers.
• Generous sign-up bonus.
• No additional cost for employee cards.
• No foreign transaction fees.

Cons

• Annual fee of $99.
• Limited to IHG purchases for higher rewards.

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card

For those operating a small business, the Marriott Bonvoy Business® American Express® Card could be a great choice as it rewards Bonvoy members as Marriott points enthusiasts. The card comes with a yearly complimentary night award (maximum of 35,000 points, though some resort fees may apply) and it also provides 15 elite night credits annually so card holders can reach and maintain higher tiers of Bonvoy elite status.

Costs

• Annual fee: $125.
• APR: Variable APR ranging from 19.99% – 28.99% based on your creditworthiness.
• Foreign transaction fee: None.

Requirements

• Credit score: Good to Excellent (670+).
• Business verification: Proof of business ownership or partnership, such as business registration documents, business tax ID, and financial statements.

Key features

• Earn up to 125,000 bonus points on setting up your account completing 8,000 worth of eligible transactions in the first 6 months.
• The value of points earned by the card-member will be calculated as follows: USD 1.00 spent per point for gas and restaurant purchases globally and 4 points for every dollar spent on Bonvoy Marriott properties or US wireless services, while all other expenses will be earned 2 points per dollar.
• Get free night credits at the hotel of your choice every year on card anniversary date, enjoy complimentary status upgrades to Marriott Bonvoy Gold Elite and earn 15 night credits a year for other properties.

Pros

• High rewards rate on Marriott Bonvoy hotel stays.
• Valuable travel benefits for Marriott Bonvoy members.
• Generous sign-up bonus.
• No additional cost for employee cards.
• No foreign transaction fees.

Cons

• Annual fee of $125.
• Limited to Marriott Bonvoy purchases for higher rewards.

Further reading:

• How To Borrow Money Effectively
• 15 Practical Tips To Save Money Live Better

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