Best Chase Business Credit Cards of 2022

The mastercard is the most popular credit card in the world, and this has been true since its release. Currently, it’s offered through 53 different countries around the globe. Despite how widely available it may be, expert opinions differ on which cards are best for you to apply for when it comes to boosting your personal finances or business profits.

The “best chase business credit card reddit” is a website that provides the latest news and reviews on all of your favorite businesses. It also provides information on their credit cards.

Chase offers seven different types of business credit cards, including cash back, travel incentives, and point-based rewards. Chase offers five cobranded business credit cards that are excellent for frequent travelers. Chase business credit cards are ideal for entrepreneurs looking for significant sign-up bonuses and low yearly fees.

The top Chase business credit cards are as follows:

Do you wish to compare the characteristics of two cards? That’s something we’ve made simple for you. To add cards to your basket, check up to three boxes on this page. You’ll be able to compare the information in a side-by-side comparison this way.

Best for Earning Fixed-Rate Cash Back: Chase Ink Business Unlimited®

Credit Card Ink Business Unlimited®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting 1.5 percent cash back on each and every transaction

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Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• On purchases, there is a 0% introductory APR.
• On all purchases, you’ll get unlimited cash back incentives.

Cons

• Balance transfers are not eligible for the introductory APR period.
• Balance transfer fees are 5%.
• Charges fees for international transactions.
• To qualify, you must have outstanding credit.

• When renting a car for business, the collision damage waiver is primary, meaning it substitutes any personal insurance coverage you may have; it covers compensation up to the real cash value of the vehicle for theft and collision damage for most automobiles in the US and internationally.
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of three years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Good, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• On purchases, there is a 0% introductory APR.
• On all purchases, you’ll get unlimited cash back incentives.

Cons

• Balance transfers are not eligible for the introductory APR period.
• Balance transfer fees are 5%.
• Charges fees for international transactions.
• To qualify, you must have outstanding credit.

• When renting a car for business, the collision damage waiver is primary, meaning it substitutes any personal insurance coverage you may have; it covers compensation up to the real cash value of the vehicle for theft and collision damage for most automobiles in the US and internationally.
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of three years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Who Should Use Ink Business Unlimited®?

The Chase Credit Card Ink Business Unlimited® is best for business owners who want to earn unlimited, fixed-rate cash back without having to keep track of spending categories. This card is also a good option if you have other Chase credit cards. It allows you to transfer your rewards to other Chase personal or business credit cards within the Ultimate Rewards program so that you can receive a higher redemption value when booking travel.

The Chase Credit Card Ink Business Unlimited® offers unlimited 1.5% cash back rewards on all business-related purchases. If you have significant expenses at office supply stores and with internet, cable, and phone services, you’ll benefit more from the Chase Credit Card Ink Business Cash®.

Fees for Chase Ink Business Unlimited®

• For the first 12 months after establishing an account, the annual percentage rate (APR) on purchases is 0%.
• Ongoing Annual Percentage Rate (APR): 13.24 percent to 19.24 percent variable, based on prime rate.
• There is no annual cost.
• Fee for balance transfers: Either 5% of the transfer amount or $5, whichever is larger.
• Purchases purchased outside of the United States include a 3% foreign transaction fee, which is charged in US dollars.
• Cash advance fee: 5% of the advance amount or $15, whichever is greater—cash advance APR is 24.99%.

The Chase Ink Business Unlimited® Card: Why We Like It

• Sign-up incentive: After spending $7,500 on purchases during the first three months of establishing an account, you may get a $750 extra cash back.
• On purchases, there is a 0% introductory APR.: If you plan to make a large purchase, you can take advantage of interest-free financing for the first 12 months after opening an account
• On all purchases, you’ll get unlimited cash back incentives.: You can enjoy unlimited 1.5% cash back on all purchases, so you don’t have to keep track of spending categories.
• There is There is There is no annual cost…: You can enjoy earning unlimited cash back without having to pay annual fees.
• Combine points with other Chase cards: With Ultimate Rewards, you may transfer points to another Chase card owned by you or a member of your household.
• Employee cards are provided free of charge with the Chase Ink Business Unlimited® card, allowing you to earn points even quicker. To keep on top of your company costs, you may create specific spending limitations.

What Does the Chase Ink Business Unlimited® Card Lack?

For the first 12 months, the promotional 0% APR applies solely to purchases, not balance transfers. Business owners must pay an APR ranging from 13.24 percent to 19.24 percent to transfer their debt from their previous credit cards. In addition, a balance transfer fee of 5% of the transfer amount or $5, whichever is larger, will be levied. This is a charge in addition to the APR.

Chase Credit Card Ink Business Cash®: Best for Office Supply & Telecom Expenses

Credit Card Ink Business Cash®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Businesses that are headquartered in an office and wish to earn a lot of money back

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Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year..
• On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Good, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year..
• On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Who Is the Chase Credit Card Ink Business Cash® Best For?

The Chase Credit Card Ink Business Cash® is best for office-based businesses that spend a significant amount at office supply stores and on internet, cable, and phone services. This card charges There is There is There is no annual cost… and is also a great option if you have other Chase credit cards. You can transfer your rewards to other Chase personal or business credit cards within the Ultimate Rewards program to receive a higher redemption value when booking for travel.

The Chase Credit Card Ink Business Cash® offers 5% cash back on the first $25,000 spent in combined purchases on office supplies, internet, cable, and phone expenses. If you don’t usually spend in these categories and want to earn unlimited, fixed-rate rewards instead, consider applying for a Chase Credit Card Ink Business Unlimited®.

Chase Credit Card Ink Business Cash® Fees

• On purchases, the introductory annual percentage rate (APR) is 0% for the first 12 months.
• Ongoing Annual Percentage Rate (APR): 13.24 percent to 19.24 percent variable, based on prime rate.
• There is no annual cost.
• Fee for balance transfers: 5% of the transfer amount or $5, whichever is larger.
• Purchases purchased outside the United States are subject to a 3% foreign transaction charge.
• APR is 24.99 percent; cash advance fee: 5% of advance or $15, whichever is more.

Why We Like the Chase Credit Card Ink Business Cash®

• Sign-up bonus: You’ll get a $750 cash bonus if you spend at least $7,500 within three months of establishing an account.
• Spending on office supplies reaps the most benefits.: You can earn 5% cash back on the first $25,000 spent on office supplies and internet, cable, and phone services, saving you as much as $1,250 per year on these expenses.
• Introductory Purchases have a 0% APR: If your company has to make a large purchase, you may take advantage of 12-month interest-free financing.
• There is There is There is no annual cost…: You can enjoy earning rewards without having to pay annual fees.
• Combine points with other Chase cards: You may transfer Ultimate Rewards points to another Chase card owned by you or a member of your household.
• Employee cards are free, and you may establish specific spending restrictions for each. This helps you earn rewards quicker.

What’s Missing From the Chase Credit Card Ink Business Cash®

The Chase Credit Card Ink Business Cash® doesn’t offer a 0% introductory rate for balance transfers. If you need to transfer a balance from another credit card, you’ll be charged an APR ranging from 13.24% to 19.24%, plus a balance transfer fee of either 5% or $5, whichever is higher. This card doesn’t offer There are no costs for international transactions., which is a drawback if you make purchases outside of the US.

Chase Ink Business Preferred®: Best for Earning Travel Rewards & Sign-up Bonus

Credit Card Ink Business Preferred®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel rewards while paying a smaller annual charge

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APR on a regular basis

Variable between 15.99 and 20.99 percent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

APR on a regular basis

Variable between 15.99 and 20.99 percent

Credit is required.

Good, Excellent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

Who Should Use Chase Ink Business Preferred®?

The Chase Ink Company Preferred® card is perfect for business owners who have a lot of travel costs but don’t require advantages like free airport lounge access or expedited security screening. This card also gives large rewards for online ad purchases, making it an excellent choice for companies who buy ads on social media sites like Facebook and Google on a regular basis.

The Chase Ink Business Preferred® offers 3x points on the first $150,000 spent in shipping, advertising in social media sites, internet, cable, phone services, and travel. If you don’t have significant expenses in these categories, the Chase Credit Card Ink Business Unlimited® may be more valuable.

Fees for Chase Ink Business Preferred®

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 15.99 percent to 20.99 percent variable, based on prime rate.
• The cost is $95 per year.
• Fee for balance transfers: Either 5% of the transfer amount or $5, whichever is larger.
• Fees for international transactions: none
• APR is 24.99 percent; cash advance fee: 5% of advance or $15, whichever is more.

Why do we like Chase Ink Business Preferred® so much?

• Sign-up bonus: If you spend $15,000 on purchases in the first three months after creating an account, you’ll earn 100,000 bonus points. When you redeem via Chase Ultimate Rewards®, this is equivalent to $1,000 cash back or $1,250 in travel rewards.
• 25% more in travel redemption: When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more..
• Premium rewards have a high cap: you may earn 3x points on the first $150,000 spent on combined shipping, social media advertising, internet, cable, phone, and vacation expenditures.
• No international transaction costs: You won’t have to pay any foreign transaction fees if you use your card outside of the United States.
• Employee cards are available for free, and you can establish specific spending limitations for them.
• Combine points with other Chase cards: With Ultimate Rewards, you may transfer points to another Chase card or a family member’s Chase card.

What Isn’t Included with Chase Ink Business Preferred®?

While the Chase Credit Card Ink Business Preferred® charges a The yearly charge is low. of $95, it doesn’t offer a zero annual fee period. This small business credit card doesn’t offer a 0% introductory annual fee. You’ll be charged an APR that ranges from 15.99% to 20.99% if you don’t pay your balance in full every billing period.

Southwest® Rapid Rewards® Performance Business: Best for Earning Premium Southwest Travel Rewards & Perks

Southwest® Rapid Rewards® Performance Business Credit Card is a credit card issued by Southwest Airlines.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who desire a credit on their Global Entry or TSA Pre® application fees should fly Southwest.

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APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• After you spend $5,000 on purchases in the first three months, you’ll get 80,000 points.
• After your Cardmember anniversary, you’ll get 9,000 extra points.
• Purchases made with Southwest® earn you 4X points.
• Rapid Rewards® hotel and vehicle partners provide 3X points.
• Rideshare earns you 2X points.
• Get 2X points on social media and search engine advertising, as well as internet, cable, and phone services, and 1X points on everything else.
• Upgraded Boardings are provided four times per year.
• Fee credit for Global Entry or TSA PreCheck®.

Pros

• TSA Pre® or Global Entry® membership is free.
• Large sign-up incentive that may help you get a companion pass.
• When compared to other Southwest cards, you’ll get the greatest rewards for your Southwest expenditures.

Cons

• The yearly price is high, and it is not waived the first year.
• Outside of Southwest flights, the value of a reward redemption is minimal.
• International travel alternatives are limited.

• Reimbursement for Global Entry or TSA PreCheck: Get up to $100 in application fee credits for Global Entry or $85 for TSA PreCheck.
• Enhanced boardings: Southwest will compensate you for up to four upgraded boardings per anniversary year.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• After you spend $5,000 on purchases in the first three months, you’ll get 80,000 points.
• After your Cardmember anniversary, you’ll get 9,000 extra points.
• Purchases made with Southwest® earn you 4X points.
• Rapid Rewards® hotel and vehicle partners provide 3X points.
• Rideshare earns you 2X points.
• Get 2X points on social media and search engine advertising, as well as internet, cable, and phone services, and 1X points on everything else.
• Upgraded Boardings are provided four times per year.
• Fee credit for Global Entry or TSA PreCheck®.

Pros

• TSA Pre® or Global Entry® membership is free.
• Large sign-up incentive that may help you get a companion pass.
• When compared to other Southwest cards, you’ll get the greatest rewards for your Southwest expenditures.

Cons

• The yearly price is high, and it is not waived the first year.
• Outside of Southwest flights, the value of a reward redemption is minimal.
• International travel alternatives are limited.

• Reimbursement for Global Entry or TSA PreCheck: Get up to $100 in application fee credits for Global Entry or $85 for TSA PreCheck.
• Enhanced boardings: Southwest will compensate you for up to four upgraded boardings per anniversary year.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.

Who is the best fit for the Southwest® Rapid Rewards® Performance Business?

The Southwest® Rapid Rewards® Performance Business Credit Card is a credit card issued by Southwest Airlines. is best for business owners who fly Southwest Airlines frequently and want to enjoy premium rewards and exclusive travel perks, including in-flight Wi-Fi credits, Global Entry or TSA Pre✓® fee credit, and up to four upgraded boardings per year. This business credit card is also a good option if you want to redeem rewards for hotel stays and car rentals all over the US.

The Southwest® Rapid Rewards® Performance Business is designed for frequent Southwest Airlines flyers. For an annual fee of $199, you can earn premium travel rewards and enjoy exclusive benefits. If you’re a loyal Southwest Airlines traveler but don’t want to pay a The yearly price is rather high., consider the Credit Card for Southwest® Rapid Rewards® Premier Business. If you travel frequently on different airlines, you may benefit more from the Chase Credit Card Ink Business Preferred®.

Performance Business Fees with Southwest Rapid Rewards®

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 15.99 percent to 22.99 percent variable (adjusts with prime rate)
• $199 for the year
• Fee for balance transfers: $5 or 5% of the amount transferred, whichever is larger.
• Fees for international transactions: none
• Cash advance fee: $15 or 5% of each transaction’s total amount, whichever is greater—APR is 24.99 percent.

The Southwest® Rapid Rewards® Performance Business is one of our favorites.

• Sign-up bonus: After spending $5,000 on purchases during the first three months of creating an account, you’ll get 80,000 points.
• This card provides premium points and privileges on Southwest purchases, such as in-flight Wi-Fi credits, Global Entry or TSA Pre® fee credits, and up to four enhanced boardings per year.
• No international transaction costs: You won’t have to pay any foreign transaction fees if you use this card outside of the United States.
• Each year following your card membership anniversary, you’ll earn 9,000 additional points.
• Tier qualifying points are unlimited: For every $10,000 spent, you may earn up to 1,500 tier qualifying points toward A-List rank.
• $500 statement credit: If you use your card to transfer points to another Rapid Rewards member, you’ll get a $500 statement credit.

What Does the Southwest® Rapid Rewards® Performance Business Lack?

The Southwest® Rapid Rewards® Performance Business Credit Card is a credit card issued by Southwest Airlines. doesn’t offer a zero annual fee period—you’ll be charged an annual fee of $199 right away. Additionally, this card doesn’t offer a 0% introductory APR, which means you’ll pay an APR ranging from 15.99% to 22.99% if you plan to make a large purchase and carry a balance.

Both of the Chase Ink Business Preferred® and Southwest® Rapid Rewards® Performance Business Credit Card is a credit card issued by Southwest Airlines.s made it to our list of the best credit cards for travel.

Southwest® Rapid Rewards® Premier Business: Best Southwest® Card with The yearly charge is low.

Credit Card for Southwest® Rapid Rewards® Premier Business

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting points for your Southwest purchases

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APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• Spend $3,000 on purchases in the first three months of your account to get 60,000 points.
• After your Cardmember anniversary, you’ll get 6,000 extra points.
• Purchases made on Southwest Airlines® will earn you 3X points.
• Rapid Rewards® hotel and vehicle partners provide 2X points.
• Rideshare earns you 2X points.
• All other purchases get 1 point each $1 spent.
• Each year, there are two EarlyBird Check-In® opportunities.
• To qualify for A-List rank, you may earn an infinite number of tier qualifying points.

Pros

• There are no ban dates, and you may book as many reward tickets as you like.
• The yearly charge is low.
• There are no costs for international transactions.

Cons

• There is no preamble. APR is zero percent.
• Southwest Airlines’ premium privileges aren’t available.
• Reward opportunities are limited.

• If you or your immediate family members’ checked or carry-on baggage are damaged or lost, you may get up to $3,000 in compensation.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.
• Purchase protection: Purchases are protected against damage or theft for 120 days. The maximum amount of coverage is $10,000 per claim and $50,000 per account.

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• Spend $3,000 on purchases in the first three months of your account to get 60,000 points.
• After your Cardmember anniversary, you’ll get 6,000 extra points.
• Purchases made on Southwest Airlines® will earn you 3X points.
• Rapid Rewards® hotel and vehicle partners provide 2X points.
• Rideshare earns you 2X points.
• All other purchases get 1 point each $1 spent.
• Each year, there are two EarlyBird Check-In® opportunities.
• To qualify for A-List rank, you may earn an infinite number of tier qualifying points.

Pros

• There are no ban dates, and you may book as many reward tickets as you like.
• The yearly charge is low.
• There are no costs for international transactions.

Cons

• There is no preamble. APR is zero percent.
• Southwest Airlines’ premium privileges aren’t available.
• Reward opportunities are limited.

• If you or your immediate family members’ checked or carry-on baggage are damaged or lost, you may get up to $3,000 in compensation.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.
• Purchase protection: Purchases are protected against damage or theft for 120 days. The maximum amount of coverage is $10,000 per claim and $50,000 per account.

Who Should Use the Southwest® Rapid Rewards® Premier Business?

The Southwest Rapid Rewards® Premier Company credit card is ideal for regular Southwest Airlines travelers who run a business. This card gives you points for purchases you make directly with Southwest Airlines, which you may use to get free tickets. This is also a great choice if you check baggage since it allows you to check your first and second bags for free.

The Southwest Rapid Rewards® Premier Business credit card is a good option if you don’t want exclusive travel perks like in-flight Wi-Fi credits, Global Entry or TSA Pre✓® fee credit, and upgraded boardings. If you need these features, consider applying for a Southwest® Rapid Rewards® Performance Business Credit Card is a credit card issued by Southwest Airlines.. If you use different airlines for travel, you may benefit more from the Chase Credit Card Ink Business Preferred®.

Premier Business Fees for Southwest Rapid Rewards®

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 15.99 percent to 22.99 percent variable, based on prime rate.
• The annual charge is $99
• Fee for balance transfers: $5 or 5% of the transfer amount, whichever is larger.
• Fees for international transactions: none
• Cash advance fee: $15 or 5% of each transaction’s total amount, whichever is greater—APR is 24.99 percent.

Why Do We Enjoy the Southwest Rapid Rewards® Premier Business Program?

• Sign-up bonus: After spending $3,000 on purchases during the first three months of creating an account, you may get 60,000 points.
• Each year following your card membership anniversary, you’ll earn 6,000 extra points.
• 25% back on Southwest Airlines in-flight purchases: Get a statement credit for 25% back on Southwest Airlines in-flight purchases (including beverages and Wi-Fi) paid with your card.
• Unlimited tier qualifying points: You can To qualify for A-List rank, you may earn an infinite number of tier qualifying points.
• The yearly charge is low.: You can earn rewards from your purchases and enjoy several travel perks for only $99 per year.
• There are no costs for international transactions.: You can use your card to make purchases outside of the US without having to pay foreign transaction fees.

What the Southwest Rapid Rewards® Premier Business Card Doesn’t Have

While the Southwest Rapid Rewards® Premier Business credit card charges a The yearly charge is low., it doesn’t offer a zero annual fee period—you’ll be charged an annual fee of $99 right away. It doesn’t offer premium Southwest Airlines travel perks like upgraded boardings, inflight Wi-Fi credits, and Fee credit for Global Entry or TSA PreCheck®. Further, this travel rewards business credit card doesn’t provide an interest-free financing period.

UnitedSM Business Card: Ideal for United Airlines Frequent Flyers

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who fly United Airlines often and wish to earn travel rewards

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Chase’s Protected Website

Compare with

APR on a regular basis

Variable 16.49 percent – 23.49 percent

• Spend $5,000 on purchases in the first three months of your account to earn 75,000 miles.
• For the first year, there is no yearly cost; after that, it is $99.
• When you carry both the UnitedSM Business Card and a personal United® credit card, you’ll earn a 5,000-mile “better together” incentive on your anniversary.
• Earn 2 miles for every $1 spent on United® purchases, eating (including qualified delivery services), petrol stations, office supply retailers, and local public transportation and commuting.
• On all other purchases, you’ll earn 1 mile for every $1 you spend. Employee cards are also available at no extra cost, and miles earned from their purchases are credited to your account, allowing you to earn rewards quicker.
• Enjoy a complimentary first checked bag worth up to $140 per roundtrip (terms apply), as well as two United ClubSM one-time passes each year and priority boarding.
• Each anniversary year, following 7 United® flight purchases of $100 or more, you’ll get a $100 United® travel credit.

Pros

• Sign-up bonus is substantial.
• Employee cards are available at no cost.
• There are no costs for international transactions.

Cons

• An yearly fee is charged. after the first year
• There is no introductory rate of 0%.
• Low travel rewards in the long run

• Purchases of food, drinks, and WiFi aboard United and United Express flights will earn you 25% back in the form of a statement credit.
• $100 United Annual Travel Credit: Earn a $100 statement credit each year when you spend $100 on United flight travel-related expenditures, including as seat upgrades, Economy Plus®, in-flight food and drinks, Wi-Fi, baggage service charges, or other United costs.
• Priority Boarding: Priority boarding is available to you and your companions who are going on the same reservation.
• Earn Premier Qualifying Points (PQP): For every $12,000 in net purchases, you will get 500 PQP, up to a maximum of 1,000 PQP every calendar year.

APR on a regular basis

Variable 16.49 percent – 23.49 percent

• Spend $5,000 on purchases in the first three months of your account to earn 75,000 miles.
• For the first year, there is no yearly cost; after that, it is $99.
• When you carry both the UnitedSM Business Card and a personal United® credit card, you’ll earn a 5,000-mile “better together” incentive on your anniversary.
• Earn 2 miles for every $1 spent on United® purchases, eating (including qualified delivery services), petrol stations, office supply retailers, and local public transportation and commuting.
• On all other purchases, you’ll earn 1 mile for every $1 you spend. Employee cards are also available at no extra cost, and miles earned from their purchases are credited to your account, allowing you to earn rewards quicker.
• Enjoy a complimentary first checked bag worth up to $140 per roundtrip (terms apply), as well as two United ClubSM one-time passes each year and priority boarding.
• Each anniversary year, following 7 United® flight purchases of $100 or more, you’ll get a $100 United® travel credit.

Pros

• Sign-up bonus is substantial.
• Employee cards are available at no cost.
• There are no costs for international transactions.

Cons

• An yearly fee is charged. after the first year
• There is no introductory rate of 0%.
• Low travel rewards in the long run

• Purchases of food, drinks, and WiFi aboard United and United Express flights will earn you 25% back in the form of a statement credit.
• $100 United Annual Travel Credit: Earn a $100 statement credit each year when you spend $100 on United flight travel-related expenditures, including as seat upgrades, Economy Plus®, in-flight food and drinks, Wi-Fi, baggage service charges, or other United costs.
• Priority Boarding: Priority boarding is available to you and your companions who are going on the same reservation.
• Earn Premier Qualifying Points (PQP): For every $12,000 in net purchases, you will get 500 PQP, up to a maximum of 1,000 PQP every calendar year.

Who Should Use a UnitedSM Business Card?

The UnitedSM Company Card is ideal for business owners who travel United Airlines regularly and need credit cards for their employees. This business travel credit card gives you travel credits that you may use to get free flights on United Airlines and its partners. Employee cards are now available at no extra cost, enabling you to establish individual spending restrictions and earn rewards more quickly.

Fees for UnitedSM Business Cards

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 16.49 percent to 23.49 percent variable (adjusts with prime rate)
• The annual charge is $99
• Fee for balance transfers: $5 or 5% of the amount transferred, whichever is larger.
• Fees for international transactions: none
• Cash advance fee: $15 or 5% of each transaction’s total amount, whichever is greater—APR is 24.99 percent.

The UnitedSM Business Card: Why Do We Like It?

• Earn up to 150,000 bonus miles after spending $5,000 in the first three months and another 75,000 miles by spending a total of $20,000 in the first six months after creating an account.
• No international transaction costs: You won’t have to pay any foreign transaction fees if you use your card outside of the United States.
• Employee cards are available at no cost.: This card offers employee cards at no additional cost—you can set up individual spending limits and earn rewards from your employees’ transactions.
• On United- and United Express-operated flights, get 25% back as a statement credit on purchases of food, drinks, and Wi-Fi.
• Free checked baggage: With this card, you and a companion flying on the same reservation may get a free checked bag, saving you up to $70 per person on a roundtrip ticket.
• $100 annual travel credit: Earn a $100 statement credit each year when you spend $100 on United travel-related expenditures like as seat upgrades, Economy Plus®, in-flight food and drinks, Wi-Fi, baggage service charges, or other United expenses.
• Priority Boarding: Priority boarding is available to you and your companions who are going on the same reservation.
• Earn Premier Qualifying Points (PQP): For every $12,000 in net purchases, you’ll get 500 PQP, up to a maximum of 1,000 PQP every calendar year.

What Isn’t on the UnitedSM Business Card?

Although the UnitedSM Business Card has a low annual charge, it does not have a zero-fee term. This card also doesn’t provide interest-free financing, so you’ll have to pay your debt in full every month or you’ll be charged an APR ranging from 16.49 percent to 23.49 percent. Furthermore, when compared to other co-branded airline credit cards, this card’s continuing benefits are below average.

Business World of Hyatt Credit Card: Ideal for Hyatt Hotel Loyal Customers

Business World of Hyatt Credit Card

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on Business World of Hyatt Credit Card’s secure website.

Compare with

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

Credit is required.

Good/Excellent

• 75,000 Bonus Points after spending $7,500 on purchases in the first three months after activating your account.
• 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points for $1 spent in your top three expenditure categories each quarter until December 31, 2012, then your top two categories each quarter after that.
• 2 Bonus Points for every $1 spent on gym and fitness club memberships
• All other purchases get 1 Bonus Point each $1 spent.
• Spend $50 or more at any Hyatt resort and get $50 in Hyatt statement credits up to two times every anniversary year.
• For every $10,000 spent in a calendar year, you’ll earn 5 Tier-Qualifying night credits toward status and Milestone incentives.
• Hyatt’s World For as long as your account is active, you’ll be a Discoverist. Plus. Up to five workers might be designated as discoverists.

Pros

• Sign-up bonus is substantial.
• Employee cards are available at no cost.
• There are no costs for international transactions.

Cons

• The yearly price is rather high.
• There is no fee-free time.
• There is no introductory rate of 0%.

10% Extra Points Redemption Bonus: When you spend $50,000 or more on purchases, you’ll get 10% bonus points up to a total of 200,000 World of Hyatt points.

Receive a $50 statement credit each eligible Hyatt purchase (single purchases of $50 or more made at Hyatt hotels and resorts) for an annual total of $100. each anniversary year, up to two times 

5 World of Hyatt Tier-Qualifying Night Credits: Earn 5 World of Hyatt Tier-Qualifying Night credits toward status and Milestone incentives for every $10,000 spent in a calendar year.

World of Hyatt Discoverist status: For as long as your account is open, you’ll have World of Hyatt Discoverist status.

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

Credit is required.

Good/Excellent

• 75,000 Bonus Points after spending $7,500 on purchases in the first three months after activating your account.
• 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points for $1 spent in your top three expenditure categories each quarter until December 31, 2012, then your top two categories each quarter after that.
• 2 Bonus Points for every $1 spent on gym and fitness club memberships
• All other purchases get 1 Bonus Point each $1 spent.
• Spend $50 or more at any Hyatt resort and get $50 in Hyatt statement credits up to two times every anniversary year.
• For every $10,000 spent in a calendar year, you’ll earn 5 Tier-Qualifying night credits toward status and Milestone incentives.
• Hyatt’s World For as long as your account is active, you’ll be a Discoverist. Plus. Up to five workers might be designated as discoverists.

Pros

• Sign-up bonus is substantial.
• Employee cards are available at no cost.
• There are no costs for international transactions.

Cons

• The yearly price is rather high.
• There is no fee-free time.
• There is no introductory rate of 0%.

10% Extra Points Redemption Bonus: When you spend $50,000 or more on purchases, you’ll get 10% bonus points up to a total of 200,000 World of Hyatt points.

Receive a $50 statement credit each eligible Hyatt purchase (single purchases of $50 or more made at Hyatt hotels and resorts) for an annual total of $100. each anniversary year, up to two times 

5 World of Hyatt Tier-Qualifying Night Credits: Earn 5 World of Hyatt Tier-Qualifying Night credits toward status and Milestone incentives for every $10,000 spent in a calendar year.

World of Hyatt Discoverist status: For as long as your account is open, you’ll have World of Hyatt Discoverist status.

Who Is the Business World of Hyatt Credit Card Best For?

The Business World of Hyatt Credit Card is best for business owners who primarily stay at Hyatt hotels. You can earn as much as 9 points for every dollar spent on Hyatt hotels and enjoy perks such as annual Hyatt credit, 10% bonus points back, and World of Hyatt Discoverist status.

The Business World of Hyatt Credit Card is an excellent option if you travel frequently and stay at Hyatt hotels. If you want to earn travel rewards that can be used for different flights and hotel stays, you may want to consider applying for a Chase Credit Card Ink Business Preferred® instead.

Business World of Hyatt Credit Card Fees

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 15.99 percent to 22.99 percent variable (adjusts with prime rate)
• $199 for the year
• Fee for balance transfers: $5 or 5% of the amount transferred, whichever is larger.
• Fees for international transactions: none
• Cash advance fee: $15 or 5% of each transaction’s total amount, whichever is greater—APR is 24.99 percent.

Why We Like the Business World of Hyatt Credit Card

• Sign-up bonus: After spending $7,500 within the first three months of creating an account, you’ll get 75,000 bonus points.
• Extra points for World of Hyatt membership: Earn a total of 9 points per dollar spent at Hyatt hotels—4 bonus points at Hyatt hotels plus 5 base points from Hyatt for qualified $1 spend.
• 10% Extra Points Redemption Bonus: When you spend $50,000 or more on purchases, you’ll get 10% bonus points up to a total of 200,000 World of Hyatt points.
• Receive a $50 statement credit each qualified Hyatt purchase up to two times per anniversary year with a $100 annual Hyatt credit.
• 5 World of Hyatt Tier-Qualifying Night Credits: Earn 5 World of Hyatt Tier-Qualifying Night credits toward status and Milestone incentives for every $10,000 you spend in a calendar year.
• Fee employee cards: You can have Employee cards are available at no cost. and set their individual spending limits.
• No international transaction costs: You won’t have to pay any foreign transaction fees if you use your card outside of the United States.

What’s Missing From the Business World of Hyatt Credit Card

The Business World of Hyatt Credit Card charges a The yearly price is rather high. of $199 per year, and it doesn’t offer a zero annual fee period. Further, this credit card doesn’t offer a 0% introductory APR, which is a disadvantage if you want to finance a large purchase.

What to Look for in a Chase Credit Card

Chase offers a variety of business credit cards with cash back rewards, travel rewards, sign-up bonuses, and no-interest financing, and some cards have There is There is There is no annual cost…. The best Chase credit card depends on your business’s spending needs, rewards preference, budget, and whether you’ll need interest-free financing.

When determining which Chase business credit card is best for your company, keep the following points in mind:

1. Your Favorite Rewards

Which Chase credit card is ideal for your company depends on the sort of rewards you want to receive. Travel benefits, cash back, and point-based rewards are all available with Chase credit cards.

You have the following options for travel reward credit cards:

It’s important to note that both the Southwest® Rapid Rewards® Performance Business and Chase Credit Card Ink Business Preferred®s are among our choices for the best business credit cards for travel.

Consider the Chase Ink Business Cash® or Chase Ink Business Unlimited® Cards for cash back credit cards, both of which are among our top selections for best cash back business credit cards.

For points-based rewards credit cards, choose the Chase Credit Card Ink Business Preferred® or the Business World of Hyatt Credit Card. The latter is an excellent option if you travel often and stay primarily at Hyatt hotels.

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2. Fees for each year

Some Chase credit cards have There is There is There is no annual cost…s, while others charge an annual fee ranging from $95 to $199. All Chase credit cards that charge annual fees don’t offer a zero annual fee period. If you want a no-annual-fee credit card, consider either the Chase Ink Business Unlimited® card or the Chase Ink Business Cash® card, both of which are among our choices for the best business credit cards with There is There is There is no annual cost….

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3. Interest-Free Credit

It’s critical to get a Chase credit card with a 0% introductory APR term if you want to make a major purchase and take advantage of interest-free financing. Consider the Chase Ink Business Unlimited® card, which made our list of the top business credit cards with no annual fee. You may also want to look into the Chase Ink Business Cash® card, which provides interest-free financing as well.

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Conclusion

Chase provides a number of business rewards credit cards with some of the best cash back and travel sign-up incentives. The ideal Chase business card for you is determined by the points you want to earn, the annual fee you’re prepared to pay, if you want no-interest financing, and whether you want a co-branded business credit card.

The “best chase credit card” is a term that refers to the best Chase business credit cards of 2022. The cards are designed for businesses with good credit, but the rewards can be used by anyone.

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