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Top Chase Rewards Credit Cards for Business Owners in 2021

by Violet WillettJuly 30, 2021
Best Business Credit Cards in 2021

If you’re looking for a new business credit card, we strongly suggest opening an account at Chase Bank. With more than two centuries of banking industry experience, they undoubtedly rank among the largest card-issuing banks in the country. Clients would never have to worry about financial stability or company reliability.

Apart from the institution’s impressive banking history, they also offer an extensive line of business credit cards. As long as you manage your credit card payments correctly, you will enjoy various benefits like free airline miles, regular bonus points, and significant cashback benefits. Every modern business owner should definitely explore the options available.

Best Chase Rewards Cards for Businesses

First-timers might find the sheer number of credit card products available at Chase Bank confusing. Going through every single offer would take a long time. Fortunately, we’re here to help. Listed below are the Chase Bank credit cards we feel that business owners of all sizes would benefit from having:

Best Entry-Level Business Card: Ink Business Unlimited Credit Card

  • Annual Fee: $0
  • Sign-Up Bonus: $750 cashback
  • Min. Credit Score: 700 - 749

The Ink Business Unlimited Credit Card best suits cardholders who prefer cash savings over fancy travel perks. In fact, you will earn $750 if you spend at least $7,500 in the first three months.  For those who need to do balance transfers, utilize the card’s 12-month 0% introductory APR period and zero annual fees.

Best Travel Perks: Ink Business Preferred Credit Card

  • Annual Fee: $95
  • Sign-Up Bonus: 100,000 bonus points
  • Min. Credit Score: 700 - 749

If your business requires you to fly frequently, consider the Ink Business Preferred Credit Card. New account holders get 100,000 points if they spend $15,000 during their first three months while paying for travel expenses will give you 3 points per dollar. You will quickly rack up points as long as you keep using the card.

Best Purchase Cashbacks: Ink Business Cash Credit Card

  • Annual Fee: $0
  • Sign-Up Bonus: $750 cashback
  • Min. Credit Score: 700 - 749

The Ink Business Cash Credit Card offers several opportunities to earn significant cashback on your purchases. You get $750 from spending $7,500 during the first three months, 5% cashback for every $25,000 spent on office supplies, and 2% cashback for every $25,000 spent on gas. 

Apart from earning cashback, cardholders can also do balance transfers. The card has no annual fees and offers a 0% introductory APR spanning 12 months.

Best for Frequent United Airline Flyers: United Business Card

  • Annual Fee: $99
  • Sign-Up Bonus: 150,000 bonus miles
  • Min. Credit Score: 690 -850

Does your company use United Airlines for business flights? Get the Chase-partnered United Business Card. You will get 75,000 free miles if you spend $5,000 during your first three months, then another 75,000 miles if your card spending totals to $20,000 after three more months.

Best for Frequent Southwest Airline Flyers: Southwest Rapid Rewards Premier Business Credit Card

  • Annual Fee: $99
  • Sign-Up Bonus: 60,000 points
  • Min. Credit Score: 750 - 850

Southwest Rapid Rewards Premier Business card holders will quickly accumulate points by using their card for Southwest Airlines Purchases. Spending just $3,000 will already give you 60,000 points, while every Southwest Airlines purchase gives you 2 points per dollar.

Best High-Earning Bonus Points: Southwest Rapid Rewards Performance Business Credit Card

  • Annual Fee: $199
  • Sign-Up Bonus: 80,000 points
  • Min. Credit Score: 700 - 749

If you frequently fly on Southwest Airlines but are focused on earning as many points as possible, try Southwest Rapid Rewards Performance Business Credit Card. 

The card comes with a sign-up bonus of 80,000 if you spend $5,000 during the first three months. Further spending on Southwest Airlines will continue giving you 3 points per dollar.

Any Credit emphasizes the importance of protecting your credit cards. Note that there are many crooks who will go above and beyond to hijack your account. Check out our quick guide on how to protect your card from skimming

Frequently Asked Questions

How do you redeem your Chase rewards?

Cardholders can redeem reward points through the online reward portal on their desktop or smartphone. You can redeem points for cash, gift cards, and airline miles, but make sure to double-check the specific conditions in claiming your bonus points. Otherwise, Chase Bank won’t honor the points you accumulated.

Can you transfer my Chase points to another person?

Yes, you can move points to another card. Open your portal, input the Chase account transferring points, visit the Ultimate Rewards page, then select “Combine Points” in the top menu bar.

However, the recipient should be a declared household member and must have an Ultimate Rewards Chase Card. You can also transfer points to the other Chase Cards under your name, of course.

Can you redeem Chase points for cash?

Chase exchanges points for cash, and the standard rates provide $0.01 for each cent. So, if you rack up 80,000 bonus points on the Southwest Rapid RewardsPerformance Business Credit Card, you would already receive an $800 cashback.

Do Chase points expire? 

The bonus points on an active account will never expire. However, Chase Bank can remove you from the rewards program if you violate their terms and conditions about engaging in fraudulent activities, missing several due dates, or filing for bankruptcy.

How many Chase points do you need for a flight?

Assuming that 1 Chase point is equal to $0.01, you would need around 40,000 Chase points to fly on a $400 domestic flight for free.

Note that Chase business credit cards aren’t limited to brick-and-mortar business owners. You can use these cards to fund side hustles, digital startups, eCommerce stores, or even freelancing gigs. Feel free to explore the different ways that business cards can help you advance your career.

Also, avoid falling victim to cookie-cutter promos. Since every business has a unique set of needs, using the same credit lines in various industries would yield negligible results. In the worst-case scenario, you might even end up with a credit card with rewards you might not use. So, carefully assess your business needs before opening any new credit account.Do you find yourself on the fence about which credit card account to open next? Any Credit can help! Check out our resources on finding the best credit card for you and your needs.

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