CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Updated July 1, 2018

Chase Business Credit Card Offers

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

Chase is offering sign-up promotions for new small business credit card applicants. Read about the latest offers and score deals here.

© CreditDonkey

Chase has some of the most popular business cards on the market. They offer huge sign-up bonuses and jaw-dropping rewards.

Read on to see which one is right for your business.

Rule of thumb: Ink Cash is best for businesses that spend at office stores, telecom services, gas stations, and dining out. While Ink Preferred is best for business that spend on travel, shipping, telecom services, and advertising on social media sites and search engines.

Ink Cash vs Ink Preferred

 

Ink Business Cash

Ink Business Preferred

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 12 monthsN/A
Introductory APR for Balance Transfers0% introductory APR for 12 monthsN/A
Purchase APR15.24% to 21.24% Variable based on your creditworthiness and other factors17.99% to 22.99% Variable based on your creditworthiness and other factors
Balance Transfers APR15.24% to 21.24% Variable based on your creditworthiness and other factors17.99% to 22.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee3% of each transaction in U.S. dollars$0
Annual Fee$0 annual fee$95 annual fee
 

Benefits and Features

Cash Back DealIntroductory Bonus Cash Back: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. 
Points Deal Introductory Bonus Reward Points: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
Cash BackCash Back Rewards: 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.
 
Points Point Rewards: 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.
Airline Transfer Partners Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.

Ink Business Cash: Pricing information including interest rates, benefits and fees was obtained on October 28, 2018 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Ink Business Cash Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Which Chase Business Credit Card Is Best for Startups?

If your business is new, go with one of the no-annual-fee cards. This way, you can earn rewards even if you have very few expenses.

  • Chase Ink Cash gives you bonus rewards in office supply stores, telecom services, gas, and dining.

  • Chase Ink Unlimited gives you 1.5% cash back on all purchases with no cap.

Both cards have an introductory APR, which is great for new businesses that don't yet have a steady cash flow. That intro period will come in handy if there's a slow month and you can't make the payment. It's also good if you have some larger purchases to make for your business and need time to pay it off. The regular interest rate is also lower than the Ink Preferred.

Why use a business credit card:

  • Keep your business expenses separated
  • Earn rewards in business categories
  • More purchasing power

Which Chase Business Credit Card Is Best for Contractors?

The two cards offer bonuses in different categories. So this comes down to what your business spends the most on.

  • If you regularly take your clients out to eat: The Ink Cash gives you 2% cash back on the first $25,000 spent in combined purchases at restaurants and gas stations each year.

  • If you spend a lot at office stores: The Ink Cash gives you 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each year.

  • If you spend a lot on shipping or advertising. The Ink Preferred gives you 3x points on the first $150,000 spent in combined purchases on travel, shipping, Internet, cable and phone services, and advertising on social media and search engines each year.

Which Chase Business Credit Card Is Best for Travel?

Ink Business Preferred
Apply for Ink Business Preferred Credit Card
If your business has travel needs, check out the Ink Preferred. You get 3x points on on the first $150,000 spent in select categories each account anniversary year, including travel purchases. You can use your points for 25% more value on the Chase travel portal, or transfer them 1:1 to Chase airline and hotel partners.

The Ink Preferred also has no foreign transaction fee, so you can take it abroad with you. You get primary coverage for theft and collision damage for most cars rented for business purposes. It also has various travel protections, like trip cancellation and lost luggage reimbursement.

Fly Southwest? Southwest Business Credit Card lets you earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. This card offers 6,000 bonus points after your Cardmember anniversary. This card earns 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases. 1 point per $1 spent on all other purchases. There are no foreign transaction fees. There is a $99 annual fee..

Which Chase Business Credit Card Is Best for Rewards?

  • If your business spends at least $1,667 per MONTH: consider the Ink Preferred, as you'll be able to take advantage of the sign-up bonus.

  • If your business spends less than $7,600 per YEAR: go for the Ink Cash, as it has no annual fee.

But really, this depends on what your business spends most on. Look at the bonus categories for each card and see which one aligns more with your business.

Ink Preferred has an annual fee. You need to spend at least $2,534/year in the 3X bonus categories OR $7,600/year in other expenses to break even on the annual fee (assuming you redeem your points for travel on the Chase travel portal).

What You Get With All Chase Business Cards

  • Free employee cards. Track each employee's spending, set spending limits, and earn rewards from their purchases.

  • Free monthly statements: You get free monthly statements and quarterly management reports, with itemized and categorized expenses.

  • Purchase protection: You are covered if your eligible item is damaged or stolen within 120 days of purchase, for up to $10,000 per claim (and $50,000 per account).

  • Extended warranty protection: Extend the manufacturer's warranty for 1 year on items that come with an initial three-year or less eligible U.S. manufacturer's warranty.

Did you already submit an application? To check your application status, you can call Chase's automated hotline at 888-338-2586. You need to provide your social security number for the status of your recent application. If your application was denied, you can call Chase's reconsideration line at 800-453-9719.

Things to Know About Chase Business Credit Cards

  • Chase business cards have the 5/24 rule. The 5/24 rule states that if you've opened 5 or more cards in the past 24 months, you will not be approved for a new Chase card.

    Note: Some business cards don't count towards the 5 card limit, if they don't report to personal credit bureaus. This would include cards from AMEX, Bank of America, Citi, and Wells Fargo. Business cards from Capital One and Discover will count towards 5/24.

  • You need excellent credit. Chase business credit cards usually require excellent credit. This usually means a credit of around 700+.

  • They do not show up on your personal credit report. Chase does not report your business card to consumer credit bureaus, so your personal credit will not be affected.

  • You will need to provide business information. On the application, you will need to provide your business' annual revenue and Tax ID Number or Employer ID Number. Don't worry, even if you're a new business with no revenue, you can still apply. Read: How to Get a Business Credit Card.

  • You will have to sign a personal guarantee. This is a clause that states that you, personally, will repay any business debt. If you stop making payments on the card, Chase can come after you personally to recover the balance owed.

Chase Business Credit Card FAQ

  • Do I have to be a corporation to apply?
    No. You can get a business credit card even if you're a freelancer or have a small Etsy shop. Basically, if you do anything for profit, it can be considered a small business. Other examples can be: driving Uber, tutoring math, or running a blog.

  • Can I apply even if I'm not yet earning income?
    Yes. You can apply as long as you have a reasonable intention to make a profit. You would just put "0" for the annual business revenue on the application.

  • Do I need great personal credit?
    If you do not have any business credit, then banks will look at your personal credit history when deciding whether to approve you for your first business credit card. Chase's business cards do require excellent credit.

  • I have great credit. Why was I denied?
    If you have opened over 5 credit cards (even if not from Chase) over the past 2 years, you will not be approved. If you have too many recent inquires on your credit, it could also be reason for denial.

    If you were denied, call the reconsideration line at 800-453-9719. Sometimes, you just need to explain your business more and what you plan to do with the card.

    If you have other Chase credit cards, Chase may also look at the total credit limit extended to you. They may deny you if you already have too much credit. Sometimes, you can get the denial reversed if you offer to move some credit from another card to the new business card.

  • Does a business credit card affect my personal credit?
    Chase does not report your business card activities to consumer credit bureaus. However, if you become delinquent on your business card account, then the consumer credit bureau will be notified and your personal credit will take a hit.

Which Small Business Card?

The right one for you depends on your business' needs and spending habits. Do you want cash back or does your business travel a lot? What kind of expenses does your business have?

Newer businesses may want to start out with one of the no annual fee cashback cards. The Ink Cash is great for those who spend on office supplies, telecom services, dining & gas, while the Ink Unlimited is better for those with no set spending habits.

The Ink Preferred will give you the most value and flexibility when redeeming points for travel. And the Southwest card is great for those who fly to Southwest destinations.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Southwest Rapid Rewards Premier Business Credit Card, Ink Business Cash Credit Card, and Ink Business Unlimited Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

More from CreditDonkey:


How to Apply for a Business Credit Card


Chase Ultimate Rewards Transfer Partners


Chase Ultimate Rewards Review

More Articles in Reviews

Ink Business Preferred Credit Card
Apply for Ink Business Preferred Credit Card
At Chase's Secure Site
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • 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–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.99% - 22.99% Variable
$95

Chase Credit Limit Increase

Need a higher credit limit on your Chase card? It's easier than you think. Here are the different ways you can get a credit line increase.

Leave a comment about Chase Business Credit Card Offers?

Name
Email (won't be published)


Chase Sapphire Preferred

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.

    Business

    For small business owners, credit is vital. But with so many credit cards available designed for businesses, how can you decide which one is right for you and your company? These two factors can help narrow down your selection ...

    Study: Credit Cards for International Travel

    The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. But what's the right travel card for you?

    Airline Rewards

    The best airline credit card racks up miles fast with reasonable fees and amazing rewards.

    Travel Rewards

    Looking for a new travel credit card?

    Credit Card Bonus Offers

    Looking for a new credit card? Earn extra cash, reward points, and airline miles with these bonus offers for new customers.

    No Foreign Transaction Fee Credit Cards

    Most credit cards tack on a 3% charge, or foreign transaction fee, on purchases made outside the United States. If you travel internationally with a no foreign transaction fee credit card, you'll save money on your purchases.

    Business Credit Cards vs Charge Cards: Which is Right for Your Business?

    Is your business better off with a charge card or a credit card? Does it matter? Yes. Read this article to learn the important differences.

    Business Credit Cards with No Annual Fee

    If you're looking to get a credit card for your business, you've got a lot of options. In this article, we'll look at why a business credit card with no annual fee might (or might not) be for you.

    Best Chase Ultimate Rewards Transfer Partners

    Find the best way to use each Chase transfer partner. Read this to maximize the value of your Ultimate Rewards points.

    23 Best Ways to Use Chase Ultimate Rewards

    Redeem Chase Ultimate Rewards points for the most value. This guide highlights some of the best redemption opportunities with Chase points and airline transfer partners.
    B737

    How to Earn United Miles Fast

    You don't need to fly a lot to earn a TON of United miles. Read on for 15+ smart ways to earn United miles fast.

    14 Best Ways to Use United Miles

    Redeem United MileagePlus miles for the most value. This guide highlights some of the best award redemption opportunities with United miles.

    How to Earn Southwest Points Fast

    You don't need to fly much to earn a TON of Southwest points. Read on for 10+ ways to earn Southwest Rapid Rewards points.

    Chase 5/24 Rule: What You Need to Know

    Applying for a new Chase card? Not so fast. The 5/24 rule can make you ineligible. Learn what the Chase 5/24 rule is and which credit cards are impacted.

    Chase Sapphire Preferred vs Reserve: Which Should You Get?

    Is Chase Sapphire Reserve or Preferred better? See how they compare in annual fee, rewards, and benefits. Find out which travel credit card is best for you.

    How to Earn JetBlue Points Fast

    You don't need to fly a lot to rack up a ton of JetBlue points. Read on for 10+ smart ways to earn JetBlue TrueBlue miles fast.

    Chase Ultimate Rewards: What You Need to Know

    Get the most out of Chase credit cards. Read this in-depth guide to Chase's Ultimate Rewards program. We'll explain how to get the maximum value.

    How to Get a Business Credit Card

    Applying for a business credit card is easier than it sounds. Here is how to apply for one, whether you have a corporation or a tiny home business.

    Review: Chase Ink Business

    Which Chase business card is better for your small business? Read this in-depth comparison of the Chase Ink Cash, Ink Preferred, and Ink Unlimited.

    Credit Cards with No Foreign Transaction Fee

    The best travel cards shouldn't charge you extra for making purchases abroad. Here are the top credit cards with no foreign transaction fee.
More Articles in Reviews








About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.