Chase Business Credit Cards: How to Choose the Best Card for You

Chase Ink Business Credit Cards

On the personal side of the Chase cards, we talk a lot about the “Chase Trifecta.”  The premise is that you can have two or three of the Chase Sapphire and Freedom cards and combine all your points into your Reserve or Preferred’s balance for maximum impact – earning up to 5 points per dollar in certain categories and then combining to spend inside of your Reserve account where you can either utilize air and hotel transfer partners or redeem via Chase Travel℠ for up to 2 cents per point on Points Boost redemptions. 

But what about maximizing your return with the suite of Chase Business credit cards?

This post will tell you which Chase Business credit cards are best for you, what type of spend belongs on each card, and how to combine your Ultimate Rewards points for maximum return.

Which Chase Business Credit Card Is Best?

The quick answer:

The best Chase business card depends on what your business spends money on.

The Ink Business Cash® Credit Card is fantastic for its 5X categories with no annual fee.

The Ink Business Preferred® Credit Card is my pick for many businesses with significant travel, shipping, internet, phone, and online advertising spend. It also unlocks points transfers (for which you need one of the annual fee Ultimate Rewards® earning credit cards).

The Ink Business Unlimited® Credit Card is the simple 1.5X-everywhere option.

The Ink Business Premier® Credit Card is really a cash back card, not a transferable-points card.

And the Chase Sapphire Reserve for Business℠ is the premium option for high spenders, especially businesses with a LOT of social media and search engine advertising spend.

You don’t necessarily have to choose just one. In fact, the whole point of a Chase business card strategy is putting the right spend on the right card and, where possible, combining the points.

Chase Business Credit Cards: The Options

• Ink Business Preferred® Credit Card
• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card
• Ink Business Premier® Credit Card
• Sapphire Reserve for Business℠ 

Chase Business Credit Card Highlights

Ink Business Preferred® Credit Card

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• $95 annual fee
• 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines. Limit applies each account anniversary year.
• Primary rental car insurance. (Rental must be for business purposes.)
• Cell phone insurance (up to $1,000 after $100 deductible) when you pay your monthly phone bill with the card. This makes it the best card to pay a cell phone bill with!
• Points can be spent on travel at a value of up to 1.5 cents per point when booking Points Boost airfare or hotels, or up to 1.75 cents per point for select premium airfare, at Chase Travel℠ (1 cent per point otherwise) OR transferred to airline and hotel programs. You need this card, Sapphire Reserve for Business℠, or one of the personal Sapphire cards to be able to transfer Ultimate Rewards to partners.

Ink Business Cash® Credit Card

• Earn $750 when you spend $6,000 on purchases in the first three months after account opening. This is awarded as 75,000 Ultimate Rewards points, transferable if you also hold a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.
• Earn 5% cash back (in the form of points) on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on Internet, cable, and phone services.
• Earn 2% cash back (in the form of points) on the first $25,000 spent in combined purchases each account anniversary year at gas stations and in restaurants.
• No annual fee

Chase Ink Business Unlimited® Credit Card

• Earn $750 when you spend $6,000 on purchases in the first three months after account opening. This is awarded as 75,000 Ultimate Rewards points, transferable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.
• Earn a simple 1.5% cash back (in the form of Ultimate Rewards points) on everything made for your business.
• No bonus categories, no math – just 1.5 points per dollar spent.
• No annual fee

If you are torn between Ink Business Cash and Ink Business Unlimited, run your own numbers. Our Ink Cash vs. Ink Unlimited calculator takes your monthly spending by category, applies the $25,000 annual caps, and shows which card actually comes out ahead in year one with the welcome offers counted.

Sapphire Reserve for Business℠

While not an Ink card, you absolutely need to know about the Sapphire Reserve for Business℠. This is Chase’s ultra premium business card, and for the right high-spending business it changes the strategy quite a bit.

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
• $795 annual fee
• 8X points on purchases through Chase Travel℠, including The Edit℠.
• 4X points on flights and hotels booked directly.
• 3X points on social media and search engine advertising. Beginning November 15, 2026, the 3X rate will apply to the first $1 million in eligible advertising spend each account anniversary year, with spend above that earning 1X.
• Up to $300 in statement credits each account anniversary year for travel purchases.
• Up to $500 annually in statement credits for eligible prepaid stays with The Edit by Chase Travel℠ in 2026. Beginning January 1, 2027, that increases to up to $1,000 per year, available as up to four $250 credits on eligible stays of two nights or longer.
• Complimentary access for the primary cardmember to Chase Sapphire Lounges and participating Priority Pass lounges, with up to two guests.
• 1:1 transfers to participating airline and hotel partners, including World of Hyatt.

Obviously, this is a very different card from a no-annual-fee Ink. The $795 annual fee means you should actually use the benefits.

But if your business spends heavily on social media and search engine advertising, this card is a must.

The Ink Business Preferred maxes out at $150,000 in combined 3X spend across all of its bonus categories. Even after the new cap on ad spend takes effect, the Sapphire Reserve for Business will earn 3X on up to $1 million in eligible ad spend per account anniversary year. That’s up to 3 million Ultimate Rewards points from advertising before you drop to 1X. That’s a pretty generous cap! Admittedly, it’s not as good as no cap 😉

And there is another BIG reason this card matters in the Chase business ecosystem: World of Hyatt.

Ink Business Preferred transfers to Hyatt at a 4:3 ratio, while the Sapphire Reserve for Business keeps 1:1 transfers. Since Hyatt is my absolute favorite use of Chase Ultimate Rewards points, that matters to me. A lot.

I also have more on the ad spend changes here: Chase Sapphire Reserve for Business Adds $1,000 Edit Credit, Caps 3X Ad Spend.

As you can see, the Chase business lineup now covers everything from no-annual-fee category bonuses and simple 1.5X earning all the way up to a premium card built for businesses with serious travel and advertising spend.

Should You Get All Three Chase Ink Cards that Earn Ultimate Rewards?

The answer used to be a resounding yes. But as of 2026, the welcome bonus on the no-fee Ink cards may not be available if you have ever had that card or another Chase for Business card without an annual fee. In other words, if you are choosing between the Ink Cash and Ink Unlimited for a bonus, choose wisely.

I would space Chase business card applications by at least 30 days rather than trying to get two at once, and note that Chase’s 5/24 rule applies to these cards.

I would still recommend having multiple Ink cards if the earning categories make sense for your business and enjoying a bunch of Chase Ultimate Rewards points (See our Guide to Chase Ultimate Rewards Points), but don’t assume you can simply collect a welcome bonus on both no-fee cards.

Note that my absolute favorite use of Chase Ultimate Rewards points is transferring to Hyatt – so it’s also worth considering a World of Hyatt Business Credit Card once you’ve picked up all the Inks. Among Chase business cards that can transfer Ultimate Rewards to partners, only the Sapphire Reserve for Business℠ can transfer 1:1 to Hyatt while the Ink Preferred has have a lower 4:3 ratio.

Depending on what you or your business spend the most on, you may optimize your earnings by carrying two, three, or even more of these Chase business cards.

Watch Out: Ink Business Premier® Credit Card

Why do I not mention this card above with the other Chase Ink cards? It’s because I don’t want you to get confused. While the Ink Cash and Ink Unlimited cards earn Ultimate Rewards points that can be combined with your Chase Sapphire Reserve®, Chase Sapphire Preferred® Card or Chase Ink Business Preferred card, the Ink Business Premier® Credit Card cannot. It’s purely cash back. And it’s a bit confusing because it still earns Ultimate Rewards® – but trust me, you cannot combine these. It’s cash back, pure and simple.

That doesn’t mean you don’t want the Ink Business Premier®, though. Let’s look at what it is:

• A Pay in Full card with Flex for Business, which allows qualifying purchases to be paid over time with interest
• Earns 2% cash back on absolutely all eligible charges
• Earns 2.5% cash back on all purchases of $5,000 or more

From a pure cash back perspective, for charges over $5,000, the 2.5% rebate on spend cannot be beat. And let’s face it, not everyone cares about points when they are spending a huge volume on the card. 

Though it has a $195 annual fee, you’ll earn a sizable welcome bonus offer.

Chase Reconsideration Phone Line

You are very likely going to get a message after you submit your Chase Ink card application that they need more time to review as opposed to getting approved instantly. That’s common, so don’t panic. But if you would like to call Chase to speed up this last step of the process, you can. Just call the Chase reconsideration phone line.

Chase Business Credit Card Strategy

It’s simple when you think about it.

Once you have the Chase business cards that suit your needs (or if you decided to just get the one card that fits your business best) it’s time to look at what spend to put on which card.

Chase Ink Business Cash

The Ink Business Cash will give you 5x points on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on Internet, cable, and phone services.  So if you spend heavily on any of those categories, you probably want the Ink Business Cash. And then all of those expenses (except cell phone bills if you also have the Ink Preferred since that card offers free cell phone insurance) would go on this card. We’d also use the Ink Cash for gas and dining for 2x on the first $25,000 in combined purchases in those categories each account anniversary year. 

Staples sells a LOT of things so think about all you can earn 5X points on.

There’s no annual fee on the Ink Business Cash credit card, but keep in mind that you are only earning cash back unless you carry a Chase Ink Business Preferred, Sapphire Reserve for Business℠, Chase Sapphire Reserve, or Chase Sapphire Preferred. (You need an eligible Ultimate Rewards card with an annual fee to turn your points into transferable points.)

Chase Ink Business Preferred

Then, we look to see if we spend a significant amount on travel, shipping, and ads on social sites and search engines (Google/Bing/Facebook/Instagram, etc) since we earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. If we do, we definitely want the Chase Ink Business Preferred Credit Card and we will put all of those charges on the Ink Preferred. I personally earn a ton of 3X Ultimate Rewards from my Ink Preferred.

Just remember that the Ink Business Preferred transfers to World of Hyatt at 4:3 rather than 1:1.

Sapphire Reserve for Business

This is where things get interesting for a business with REALLY significant advertising spend. The Sapphire Reserve for Business℠ earns 3X on social media and search engine advertising, and beginning November 15, 2026 that rate will apply to the first $1 million in eligible ad spend each account anniversary year.

If you’re spending more than the Ink Preferred’s $150,000 combined 3X cap – especially if a lot of that spend is going to Google, Bing, Facebook, Instagram, etc. – this is the Chase business card you need to look at. It also keeps 1:1 transfers to World of Hyatt and adds the premium travel benefits you would expect from a $795 card.

Chase Ink Unlimited

Lastly, the Chase Ink Business Unlimited is perfect for any charges not in any bonus categories, earning 1.5X Ultimate Rewards on everything. You can still combine these points into your personal Chase Sapphire Reserve® account. If you don’t have a Reserve, then you could combine these into your Chase Sapphire Preferred , Chase Ink Business Preferred Credit Card, or Sapphire Reserve for Business℠ account where you can also transfer to airline and hotel partners.

Four Major Chase Business Card Strategy Notes

1) If you only have a Chase Ink Cash or Chase Ink Unlimited, you cannot transfer those points directly to airline and hotel partners. You need an eligible premium Ultimate Rewards card such as the Chase Ink Business Preferred, Sapphire Reserve for Business℠, Chase Sapphire Reserve®, or Chase Sapphire Preferred® Card.

And remember the Hyatt wrinkle: Ink Business Preferred transfers to Hyatt at 4:3 while Sapphire Reserve for Business retains 1:1 transfers.

2) These cards can all have great bonus offers. Just pay close attention to the current offer and Chase’s bonus eligibility language before you apply.

3) You may be best served by having the Chase Ink Business Preferred card and the Chase Ink Business Cash cards and skipping the Unlimited in favor of a card that earns a flat 2% – 2.5% cash back – like the Ink Business Premier®. The Spark comes with a nice welcome bonus and earns a flat 2% in cash on everything.  

All that said, if you want to put in the effort that many of us do, you *can* beat that 2% staying 100% within the Chase family, but it does take effort and you may want to simply earn your 2%, 3% and 5% in the Chase bonus categories and then for non-bonuses spend just stick it on a 2% cash back card. There would be absolutely no shame in earning a nice combo of points and cash – and never ever earning less than 2%.

4) There are other options as well! This post isn’t intended to tell you that all business spend should go on 1-3 Chase cards. By no means! You may want to spend on any number of Business Credit Cards. But if you are a fan of the Chase Ultimate Rewards program already – perhaps because you already have a Chase Sapphire Reserve or Chase Sapphire Preferred card for personal use – then this is an “optimal Chase strategy.”  

You may find a better card based on your exact spending habit by using the rewards optimization tool at Your Best Credit Cards.

Want to know more about the points you’ll earn? Here’s our Ultimate Guide to Chase Ultimate Rewards.

How to Apply for Chase Business Credit Cards

• • Ink Business Preferred® Credit Card
  • Ink Business Cash® Credit Card
  • Ink Business Unlimited® Credit Card
  • Ink Business Premier® Credit Card
  • Sapphire Reserve for Business℠

Questions?

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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. 

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.