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Ultimate Guide to Chase Business Credit Cards – Find Your Perfect Match

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Choosing the right business credit card is like picking the right tool for a job. You want the one that will give you the most bang for your buck, help you save on expenses, and reward you for spending on what your business needs the most. If you’re looking at Chase as your go-to, you’re already on the right track. Chase offers a range of business credit cards, each with its perks and benefits. But which one is the best for your business? Let’s break it down.

Understanding What Matters in a Business Credit Card

Before we compare cards, let’s talk about what features are essential:

  • Rewards: Points, miles, and cash back are goodies for spending money.
  • Annual Fees: You pay this fee each year to have the card. Some cards waive this fee for the first year.
  • Interest Rates: If you don’t pay off your card every month, this is the extra money you’ll owe.
  • Perks: Think of free stuff and bonuses, like airport lounge access or free flight bags.

 

Chase Business Credit Cards: The Lineup

Chase offers several business credit cards, each designed to meet different needs. Here’s a quick look at some popular ones:

  1. Chase Ink Business Preferred®
  2. Chase Ink Business Cash®
  3. Chase Ink Business Unlimited®
  4. Airline Partner Cards
  5. Hotel Partner Cards

 

Chase Ink Business Preferred® – The All-Rounder

  • Rewards: Earn points on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines.
  • Annual Fee: Yes, but the rewards can outweigh this if you spend in the right categories.
  • Perks: Includes cellphone protection and trip cancellation/interruption insurance.

 

Chase Ink Business Cash® – The Cash Back King

  • Rewards: High cashback rates in categories like office supply stores and internet, cable, and phone services.
  • Annual Fee: There is no annual fee, making it an excellent choice for small businesses watching their expenses.
  • Perks: Employee cards are free of additional cost and include a rental car damage waiver.

 

Chase Ink Business Unlimited® – The Simple Choice

  • Rewards: Flat cashback rate on every purchase. It’s simple.
  • Annual Fee: There is no yearly fee here either.
  • Perks: Like the Cash version, you get free employee cards and a rental car damage waiver.

 

Chase’s Airline Partner Cards

These cards are designed for businesses whose travel is frequent enough to benefit from airline-specific perks. While Chase frequently updates its partnerships, here are examples of what you might find:

 

United℠ Explorer Business Card: 

This card is perfect for businesses that fly regularly with United Airlines. Benefits include free checked bags, priority boarding, and two United Club one-time passes each year.

Pros:

  • Earn miles on every purchase, with extra on United purchases.
  • Valuable travel perks for frequent United Flyers.

Cons:

  • Annual fee after the first year.
  • Benefits best utilized by those loyal to United Airlines.

 

Chase’s Hotel Partner Cards

This card offers rewards and benefits tailored to specific hotel brands. Here’s an example: 

Marriott Bonvoy Business™ American Express® Card

This card is excellent for businesses that frequently stay at Marriott properties. It offers free night awards, Marriott Bonvoy points on all purchases and status upgrades.

Pros:

  • Free night awards every year after your card anniversary.
  • Earn points on all purchases, with bonuses for spending at Marriott hotels.
  • Complimentary Marriott Bonvoy Silver Elite status.

Cons:

  • Annual fee.
  • Most beneficial for those consistently staying at Marriott properties.

 

Which is Best for Your Business?

Choosing the best Chase business credit card depends on your business spending habits and needs:

  • For High Flyers: If travel is a big part of your business, the Chase Ink Business Preferred® or Airline Partner Cards could offer the most value.
  • For Office Workers: If you find yourself stocking up on office supplies or paying for internet and phone services, the Chase Ink Business Cash® might save you the most money.
  • For Travel: Beyond rewards, consider travel like priority boarding, free checked bags, or complimentary hotel nights. Hotel Partner Cards can save money and make travel more enjoyable.
  • For The Essential: If you don’t want to track categories and want a solid return on all your business spending, the Chase Ink Business Unlimited® is likely your card.

 

Tips Before You Choose

  • Know Your Spending: Look at where your business spends the most money. This can help you choose the card that rewards those areas the most.
  • Consider the Long Term: Consider whether a card’s benefits will continue to outweigh the costs, like annual fees.
  • Read the Fine Print: Make sure you understand the terms, like how rewards are earned and when they might expire.

 

Conclusion

There’s no one-size-fits-all when choosing the best Chase business credit card. It all boils down to your business’s spending habits and what kinds of rewards or perks are most valuable to you. Look at what each card offers, weigh the pros and cons, and choose the one that best aligns with your business.

 

Find the Perfect Chase Business Credit Card for Your Needs!

Running a business is all about making smart choices. That includes choosing the right credit card to maximize rewards and organize your finances.

 

Chase offers a variety of business credit cards, each with unique benefits tailored to different spending habits. Whether you prioritize cash back, travel rewards, or exclusive perks, there’s a Chase card waiting to help your business thrive.

Here’s a quick breakdown to get you started:

  • Maximize cash back: Explore the Chase Ink Business Unlimited® Credit Card for a flat 2% cash back on every purchase or the Chase Ink Business Cash® Credit Card for rotating bonus categories.
  • Travel in style: Rack up points and unlock travel rewards with cards like the Chase Ink Business Preferred® Credit Card or the United℠ Business Card and United Club℠ Business Card.
  • Fuel your business travel: Consider the Southwest® Rapid Rewards® Premier Business Credit Card or Performance Business Credit Card for frequent Southwest flyers.
  • Hotel loyalty: Stay connected to your favorite hotel chains with the World of Hyatt Business Credit Card or the IHG One Rewards Premier Business Credit Card.

 

Ready to take your business to the next level?

Find the Chase Business Credit Card that perfectly aligns with your spending and rewards goals:

  • Get a Chase Ink Business Unlimited® Credit Card here.
  • Get a Chase Ink Business Cash® Credit Card here
  • Get a Chase Ink Business Premier℠ Credit Card here.
  • Get a Chase Ink Business Preferred® Credit Card here.
  • Get a United℠ Business Card here.
  • Get a United Club℠ Business Card here.
  • Get a Southwest® Rapid Rewards® Premier Business Credit Card here
  • Get a Southwest® Rapid Rewards® Performance Business Credit Card here.
  • Get a World of Hyatt Business Credit Card here.
  • Get an IHG One Rewards Premier Business Credit Card here.

 

Take advantage of valuable rewards and exclusive benefits! Find your perfect Chase Business Credit Card today and start growing your business smarter.

FAQs: Managing Your Chase Business Credit Card

  • Are there any signup bonuses? How do they work?

    Chase business credit cards often come with signup bonuses that reward you with many points, miles, or cash back when you meet a specific spending requirement within the first few months of opening your account. These bonuses are a one-time offer designed to entice new cardholders.

  • Can I have multiple Chase business credit cards?

    Yes, businesses can hold multiple Chase credit cards. This strategy can maximize rewards across different spending categories. For instance, you might use one card for its superior travel rewards and another for its cash back on office supplies.

  • How does Chase determine my business credit card limit?

    Chase determines your credit limit based on several factors, including your credit score, credit history, and business income. They might also consider your relationship with Chase, including personal and business banking.

  • Can I transfer rewards between Chase business credit cards?

    Yes, Chase allows you to transfer rewards points between Chase cards that earn Ultimate Rewards points. This feature can help you consolidate points for bigger redemptions, like travel.

  • How do I activate my Chase business credit card?

    Activating your Chase business credit card is straightforward. You can do this by logging into your account at the Chase website or using the Chase mobile app. There’s also the option to call the phone number on the sticker attached to your new card. You must provide some details to verify your identity and activate your card.

  • How to add a business credit card to the Chase app?

    Adding a business credit card to the Chase mobile app is similar to adding any other Chase card:

    1. Open the Chase app and log into your account.
    2. Look for an option to “Add an account” or “Manage accounts.”
    3. Enter your business credit card details as prompted.
    4. If the card is linked to your online banking profile, it should appear in the app once you log in. Contact Chase customer service if you need help adding your business card to the app.
  • How can I link my Chase business credit card to my account?

    To link your Chase business credit card to your account, log into your Chase online banking and look for an option to “Add an account” or similar. You’ll need to enter your business credit card details. If you encounter any issues, Chase customer service can assist you with linking the accounts, making it easier to manage all your Chase accounts in one place.

  • What is the Chase 5/24 rule, and how does it affect the application for a business credit card?

    The Chase 5/24 rule is an unofficial guideline that states Chase is unlikely to approve you for a new credit card if you’ve opened 5 or more personal credit card accounts across all banks in the past 24 months. This rule is believed to apply to most Chase credit cards, including business cards. Applicants should consider their recent credit history before applying.

  • Can sole proprietors apply for Chase business credit cards?

    Yes, sole proprietors can apply for Chase business credit cards. You don’t need a formal business structure like an LLC or corporation. When applying, sole proprietors can use their Social Security Number as their business tax ID.

  • Are there international transaction fees on Chase business credit cards?

    Some Chase business credit cards charge foreign transaction fees, typically around 3% of the transaction in U.S. dollars. However, several cards, particularly those focused on travel rewards, still need these fees. It’s essential to check the specific card’s terms if you plan on making purchases outside the United States.

  • Can I manage employee cards, and is there a fee?

    You can add employee cards to your Chase business credit card account. Many Chase business cards offer employee cards at no additional cost and allow you to set individual spending limits. This feature can help you earn rewards faster and manage your business expenses more effectively.

  • How does Chase’s fraud protection work for business credit cards?

    Chase offers robust fraud protection on their business credit cards, including real-time fraud monitoring and zero liability protection. This means you won’t be held responsible for unauthorized charges made with your card or account information. Additionally, you can manage card settings and alerts through the Chase mobile app.

  • Does Chase's business credit card report to Dun and Bradstreet?

    Like many other credit card issuers, Chase may report your business credit card activity to commercial credit bureaus like Dun and Bradstreet and others such as Experian and Equifax’s commercial divisions. This means responsible use of your business credit card can help build your business credit profile. However, policies can vary, and it’s a good idea to ask Chase directly about their reporting practices for your specific card.

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