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Best Chase Business Credit Cards

Review Updated
Brittney Myers
Author: Brittney Myers
Brittney Myers
Brittney Myers
Writer

Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.

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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

Chase is home to a lot of popular rewards cards, including many of the best business credit cards we've seen. From cash back to travel rewards to cobranded hotel and airlines cards, Chase offers a bit of everything.

With so many options, it can be tricky to narrow down the right pick for your business. Let's discuss the best Chase business credit cards and how to choose the right one.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Best Chase business credit cards

Best for no annual fee: Ink Business Cash® Credit Card

Ratings Methodology

Ink Business Cash® Credit Card

Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Ink Business Cash® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

17.74% - 25.74% Variable

Rewards Circle with letter I in it. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Earn 5% cash back in select business categories

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Earn up to $750 bonus cash back

  • We think this card is a great option for savvy business owners looking to maximize rewards without the added cost of an annual fee. You’ll earn 5% cash back on office supplies, internet, cable, and phone services (up to $25,000 annually), making it ideal for businesses with regular expenses in these categories. With a generous $750 welcome bonus after meeting the spending threshold, along with valuable travel and purchase protections, this card offers great value for smaller businesses with high recurring expenses. Read Full Review

    • Big cash back sign-up bonus
    • Office supply store rewards
    • Internet, cable, and phone service rewards
    • 0% intro APR offer
    • No annual fee
    • Low caps on bonus categories
    • No balance transfer offer
    • Foreign transaction fee
    • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

Why we picked it: Pretty much any small business owner can make use of this card's bonus categories. And since there's no annual fee, you don't need to maximize them all to make the card worthwhile. The welcome bonus and intro APR offer are cherries on top.

What to watch for: This card charges foreign transaction fees, so don't use it abroad or when purchasing from foreign vendors (if those purchases route through a foreign bank). The flat rewards rate also isn't the best, so you may want to add a better flat-rate rewards card for purchases that don't fit the bonus categories.

Best for Ultimate Rewards points: Ink Business Preferred® Credit Card

Ratings Methodology
Award Icon 2025 Award Winner

Ink Business Preferred® Credit Card

Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Ink Business Preferred® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 26.49% Variable

Rewards Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

  • This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 90,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, further boosting the card’s value. Read Full Review

    • Huge sign-up bonus
    • Advertising rewards
    • Shipping rewards
    • Cell phone protection
    • Flexible travel points
    • Card perks
    • Annual fee
    • No intro APR offer
    • Spending minimum for sign-up bonus
    • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
    • Points are worth 25% more when you redeem for travel through Chase Travel℠
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
    • Member FDIC

Why we picked it: Ultimate Rewards points are very popular travel rewards that can be quite valuable when transferred to travel partners. This card earns them in spades, too, especially if your major expenses include shipping, online advertising, communications, and/or travel.

What to watch for: If you don't travel much, the rewards will be less valuable to you. Since the card has an annual fee, you should do the math to determine whether the rewards you earn will be worth the cost.

Best for flat-rate rewards: Ink Business Unlimited® Credit Card

Ratings Methodology

Ink Business Unlimited® Credit Card

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Ink Business Unlimited® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

17.74% - 23.74% Variable

Rewards Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Earn unlimited 1.5% cash back on every purchase

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $750 bonus cash back

  • This card is a cost-effective option for businesses of all sizes. There is no annual fee, yet offers an attractive $750 welcome bonus & unlimited 1.5% cash back on every purchase — that is a straightforward way to earn cash back on everyday business expenses. Plus, you can add employees cards for no extra cost. No wonder it's one of the most popular business cards we've reviewed. Read Full Review

    • Big cash back sign-up bonus
    • Competitive cash back rate
    • Great intro APR
    • No annual fee
    • Free employee cards
    • No bonus categories
    • Foreign transaction fee
    • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

Why we picked it: Not every business expense fits neatly into popular bonus categories. This card can help you still maximize those purchases with unlimited 1.5% cash back on purchases. It also has no annual fee and a competitive welcome offer.

What to watch for: You can find a lot of consumer cards with higher flat cash back rates, and even a few business cards, though some will have annual fees. This card also has a foreign transaction fee, so it's not a good pick to use while traveling or making purchases from foreign vendors.

Best for high volumes: Ink Business Premier® Credit Card

Ratings Methodology

Ink Business Premier® Credit Card

Apply Now for Ink Business Premier® Credit Card

On Chase's Secure Website.

Ink Business Premier® Credit Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Apply Now for Ink Business Premier® Credit Card

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

Flex for Business Variable APR: 18.74% - 26.74%

Rewards Circle with letter I in it. Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.

N/A

Annual Fee Circle with letter I in it. N/A

$195

Welcome Offer Circle with letter I in it. Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Earn $1,000 bonus cash back

  • While the Ink Business Premier® Credit Card comes with a higher annual fee, we think its generous rewards and bonus potential make it worth considering for high-spending businesses. Designed for larger businesses, this card offers 2.5% cash back on purchases over $5,000, plus unlimited 2% cash back on other purchases. With one of the largest cash rewards bonuses available, it’s a strong choice for businesses with significant spending, offering both rich rewards and substantial earning potential. Read Full Review

    • Sign-up bonus
    • Cash back rewards
    • Free employee cards
    • Cellphone protection
    • No foreign transaction fee
    • Rewards can't be transferred
    • No 0% intro APR
    • Pay in full card
    • Annual fee
    • Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
    • Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
    • Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
    • The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
    • Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
    • Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
    • There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
    • Member FDIC

Why we picked it: This card gives you 2.5% cash back on purchases over $5,000 or more, plus unlimited 2% back on other purchases. It also charges no foreign transaction fees. If you're running a high-volume business and just want to maximize your rewards without a lot of hassle, this card could be a great fit.

What to watch for: It will take a significant amount of spending for the higher-than-average cash back rate to cover this card's annual fee. You really need to crunch the numbers on your business's card spend to decide if it's worth the high fee.

Best cobranded card: United℠ Business Card

United℠ Business Card
Apply Now for United℠ Business Card

On Chase's Secure Website.

Ratings Methodology

United℠ Business Card

Apply Now for United℠ Business Card

On Chase's Secure Website.

United℠ Business Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for United℠ Business Card

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 28.24% Variable

Rewards Circle with letter I in it. 2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases.

2x on select categories

Annual Fee

$99

Welcome Offer Circle with letter I in it. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Earn 75,000 bonus miles

  • This card has a generous welcome offer, earns rewards, and includes valuable perks for United Airlines fliers like a free checked bag, priority boarding, two United Club℠ passes, and an annual $100 travel credit. Read Full Review

    • Sign-up bonus offer
    • Free checked bag
    • Priority boarding
    • Annual travel credit
    • 25% back on inflight purchases
    • No foreign transaction fee
    • Annual fee
    • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
    • $0 introductory annual fee for the first year, then $99.
    • 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
    • 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
    • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
    • Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
    • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
    • Member FDIC

Why we picked it: This card has a number of ways it can pay for itself, including free checked bags, lounge passes, and an anniversary bonus. It also has a competitive welcome bonus that can help boost your United frequent flyer miles account.

What to watch for: This is a cobranded card, so you earn United miles with it instead of Chase Ultimate Rewards points. Plus, all of the perks are centered around United. As such, you probably won't get much value out of this card if you don't fly United at least a couple times a year.

How to choose the right Chase business credit card for your business

Choosing between the different Chase business credit cards comes down to answering a few basic questions:

  • What kind of rewards do you want? You can earn cash back, travel rewards, or even hotel and airline loyalty points.
  • Do you want to pay an annual fee? This might be worth it if you'll earn significantly more in rewards or get other perks, but you should do the math to make sure.
  • How much are you going to spend on the card? Some rewards cards have caps, others have fees; your average credit card spend could decide the best pick.
  • Do you have any personal Chase credit cards? You can pool rewards across personal and business Chase accounts.

Keep in mind that the best solution for your business may not be a single Chase credit card. For example, you could use the Ink Business Cash® Credit Card for the bonus categories, and the Ink Business Unlimited® Credit Card for other purchases -- while paying no annual fee for either.

You can also adopt the so-called Chase Trifecta: one card that earns Ultimate Rewards points, one flat-rate card, and one card with the most useful bonus categories. This allows you to use all of your rewards for travel, even from the cards that are marketed as earning cash back.

How to apply and sign up

You can apply for a Chase business credit card in person at a Chase bank branch, or you can do it in a few minutes online. You'll just need to provide some basic information, such as:

  • Name of the business and owner
  • Business address and phone number
  • Industry and structure
  • Number of employees
  • Annual revenue
  • Tax ID (EIN, or Social Security number for sole proprietor)
  • Owner's Social Security number

Chase will check both your business credit profile and your personal credit profile when you submit your application. Often, you'll get a decision within a few minutes.

In some cases, you may receive a pending notice. This usually indicates Chase needs additional information about you or your business. You may need to call in and/or submit documents to clarify or verify something from your application.

Do I need to have a business to get a Chase business credit card?

Yes, you need to be a business owner to get a Chase business credit card. However, this is a wide category, including:

  • Sole proprietors
  • Contractors
  • Freelancers
  • Partnerships
  • LLCs
  • Corporations

How much revenue do I need to get a Chase business credit card?

Chase doesn't publish any minimum revenue requirements, but you'll do best if you have at least some revenue. That said, Chase knows businesses aren't necessarily profitable when they're just getting started.

Whatever you do, don't lie about your revenue. It is not uncommon for banks to ask you to verify your claims through documentation.

What credit score do I need for a Chase business credit card?

You'll do best if you have a personal credit score of at least 670 when applying for a Chase business credit card. A good business credit score may help balance a lower personal credit score, but Chase doesn't require your business to have its own credit profile to qualify.

Does the 5/24 rule apply to Chase business credit cards?

Yes when you apply, then no.

The Chase 5/24 rule is an unpublished-but-well-known restriction that means you'll be denied a new Chase credit card if you've opened five or more new personal credit card accounts over the last 24 months.

If you are over the 5/24 limit, you will likely be denied a new Chase business card. However, Chase doesn't report your business cards to your personal credit. So, once you've opened the card, it won't count against your 5/24 limit in the future.

Benefits of getting a Chase business credit card

There are a lot of reasons to get a business credit card in general, as well as for getting a Chase business credit card in particular. Here are just a few:

  • Keeping your personal and business expenses separate.
  • Access to reusable financing for business expenses year-round.
  • Earning bonus rewards in business-friendly categories.
  • Managing your credit card account easily online and through the Chase mobile app.
  • Having a variety of customer service options, including online, by phone, and in person at a local branch.

Chase business credit cards comparison

The Picks
Card Our Rating Intro APR APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Purchases: 0% Intro APR on Purchases, 12 months
 
Balance Transfers: N/A 		17.74% - 25.74% Variable
Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Purchases: N/A
 
Balance Transfers: N/A 		20.49% - 26.49% Variable
Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Purchases: 0% Intro APR on Purchases, 12 months
 
Balance Transfers: N/A 		17.74% - 23.74% Variable
Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Purchases: N/A
 
Balance Transfers: N/A 		Flex for Business Variable APR: 18.74% - 26.74%
Apply Now for Ink Business Premier® Credit Card

On Chase's Secure Website.

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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= Poor
Purchases: N/A
 
Balance Transfers: N/A 		21.24% - 28.24% Variable
Apply Now for United℠ Business Card

On Chase's Secure Website.

Chase business cards vs other top business cards

See below for our in-depth comparisons of Chase business cards versus some of the most popular business cards available now.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

Our highest-rated credit cards have:

  • A rewards rate above 2% (or 2x points or miles) with average spending, or competitive 0% intro APR balance transfer and purchase offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.