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Chase offers a number of strong business credit cards, but its particular strength is in business travel credit cards.
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Chase partners with many popular hotels and airlines, and has some of the best interoperability between its own cards in its Chase Ultimate Rewards family. All but one of the Ink Business cards can combine points with one of Chase's Sapphire cards to access hotel and airline transfer partners.
If you're a business owner who travels often, consider adding one of these Chase cards to earn rewards for your business expenses and to access perks that could make traveling easier.
Advantages of a Chase Bank Business Card
One of the biggest advantages of having a Chase business card is the interoperability between its Chase Ultimate Rewards family of cards. You're able to transfer Ultimate Rewards points between Chase's Ink Business cards, as well as between the Ink cards and personal credit cards like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, in order to maximize the value of your points.Â
For example, you could use the Ink Business Cash® Credit Card to earn 5% cash back on office supply stores (up to $25,000 in purchases per year), transfer those points to your Sapphire Preferred or the Ink Business Preferred® Credit Card, and then take advantage of the Preferred's airline and hotel transfer partners to book a free vacation or save on a business trip.
Pairing Ultimate Rewards cards is what really maximizes your earning potential. In this case, you get the 5% cash-back rate of the Ink Business Cash as well as the expanded redemption options of the Sapphire Preferred or Ink Business Preferred.
Who can and should get a business card?
Any business owner or sole proprietor, whether they are a freelancer or gig worker, can apply for a business credit card. You don't need to have employees or own a large company to qualify. Credit card issuers will check your personal credit score and history when you apply. Keep in mind that activity on your business card -- whether good or bad -- could also affect your personal credit score, depending on how your issuer reports to the credit bureaus.
If you have business expenses, a business credit card can provide rewards on your spending or help offset your costs with cash back. If you travel for business often, consider a business travel card that offers airport amenities such as lounge access or an application fee credit for TSA PreCheck or Global Entry.
How to choose the right Chase business card for you
Chase provides a wide selection of solid business cards to choose from for every type of business. You'll want to consider what you're planning to use the card for, whether that be for general expenses or for travel.
For example, the Ink Business Cash card is one of the best general rewards cards for small businesses, thanks to its rewards and welcome bonus. The Ink Business Preferred provides strong redemption options through Chase Ultimate Rewards, a 1:1 point transfer rate to Chase's travel partners and other (primarily travel-related) benefits, at the cost of a $95 annual fee.
There are also co-branded cards with United, Southwest, World of Hyatt and IHG to consider if you often fly with or stay with those airlines and hotel brands.
How to apply for a Chase business card
To get a business credit card, you'll need to have a legally registered business, whether it's a corporation (including LLCs), a partnership or a sole proprietorship.Â
You'll need the following information to apply:
- Business name, address and phone number
- Industry
- Number of years in business
- Number of employees
- Annual business revenue
- Federal Tax ID: Your employer identification number (EIN) or your Social Security number (SSN)
To apply for a card, you can fill out an application online or in person at a Chase branch.
