What Is a Chase Business Credit Card?
A Chase business credit card is a special type of credit card made for business owners and professionals. It works like a normal credit card, but it is used for business spending instead of personal shopping. You can use it for office supplies, travel, advertising, and other business costs. Using a business card helps you keep business and personal spending separate.
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Chase offers several business cards, including the Ink Business Preferred, Ink Business Cash, Ink Business Unlimited, and Ink Business Premier. Each one has different rewards and benefits based on how you spend money.
Why Get a Chase Business Credit Card?
A business credit card from Chase can help your business grow and stay organized. It gives you a clear way to track business costs and build a business credit history, which can help you borrow money later if needed.
Here are some simple reasons business owners use these cards:
✔ Easy expense tracking—all business costs show up on one statement.
✔ Rewards on purchases—you can earn points or cash back on business spending.
✔ Employee cards—free extra cards for team members with limits you set.
✔ Built-in protections—like fraud monitoring, purchase protection, and travel insurance.
These features make managing money easier for small and growing businesses.
Main Chase Business Credit Cards
Chase has several popular business credit cards. Here are the main ones:
Ink Business Preferred® Credit Card
This card is great for businesses that spend on travel, shipping, advertising, and phone or internet services. You earn points on purchases, which you can redeem for travel, cash back, gift cards, and more through Chase Ultimate Rewards.
It also offers a bonus when you spend a set amount in the first few months after opening the card.
Ink Business Cash® Credit Card
This card gives cash back on business purchases. You can earn a higher percentage back on spending at office supply stores and on internet, cable, and phone services.
It also has a Chase Pay Over Time option, which helps break bigger expenses into smaller monthly payments.
Ink Business Unlimited® Credit Card
This card gives simple cash back on every purchase. You earn a set percentage back on all business spending with no rewards categories to track.
Ink Business Premier® Credit Card
This option earns more rewards on larger purchases and business travel. It’s good if your business spends a lot on big items.
Each card has extra features that help your business, like travel protections, purchase protections, and employee cards at no extra cost.
How Rewards Work
Rewards are one of the best parts of a Chase business credit card.
Points
Some cards, like the Ink Business Preferred, give points for each dollar you spend in specific categories like travel or advertising. Many points can be redeemed for travel, gift cards, or cash back.
Cash Back
Other cards, like Ink Business Cash and Ink Business Unlimited, give cash back—money you can redeem as a statement credit or deposit.
No Expiry
The rewards usually do not expire as long as your account stays open.
Earning and using rewards helps you save money on business costs like travel or office supplies.
Added Benefits of Chase Business Cards
Chase business credit cards also offer extra benefits that help keep your business safe and organized:
1. Employee Cards at No Extra Cost
You can add employees to your account and set purchase limits for them.
2. Fraud Protection
Chase watches for unusual activity and can alert you to possible fraud.
3. Travel and Purchase Protections
Certain business cards include trip cancellation insurance and purchase protection that covers theft or damage.
4. No Foreign Transaction Fees
Some business cards don’t charge extra fees on purchases made outside the United States.
These protections make the cards safer and more useful for business travel and daily spending.
How to Use a Chase Business Credit Card
Using a business credit card wisely helps your company stay healthy financially:
✔ Pay on time—always pay your full balance each month to avoid interest.
✔ Track expenses—separate business and personal costs.
✔ Use rewards—redeem points or cash back often.
✔ Set limits for employees—this controls spending and prevents extra costs.
Good financial habits help your business build a strong credit profile and save money long-term.
Tips for Choosing the Right Card
When deciding which Chase business credit card to get, consider:
🔹 Your spending habits—business travel, office supplies, or all purchases.
🔹 Rewards type—do you want points or cash back?
🔹 Annual fee—some cards have fees; others do not.
🔹 Extra benefits—like travel protections or employee cards.
Choosing the right card can help your business save money and get more value from everyday spending.
FAQs
1. What is a business credit card from Chase?
It is a credit card made for business use, helping you manage and pay for business expenses.
2. Can I earn rewards with a Chase business card?
Yes—you can earn points or cash back on eligible business purchases.
3. Do these cards have employee cards?
Yes, you can add employee cards at no extra cost and set their spending limits.
4. Can rewards expire?
Most rewards do not expire as long as your account stays open.
5. Are there fees?
Some cards have an annual fee, while others do not. Check each card’s details before applying.
6. Do I need a business to apply?
You typically must show that you have some business or self-employed activity to qualify. (Reddit community insights show different experiences can arise with eligibility.)
7. Can I build business credit with these cards?
Yes, using the card responsibly can help your business build a good credit history.
8. Is it safe?
Yes—Chase business cards include fraud protection and purchase safety tools.
Conclusion:
Chase business credit cards can be a valuable tool for small business owners. They help you manage expenses, earn rewards, and protect your business with extra benefits. Choosing the right card depends on your spending style and business needs. With clear goals and smart use, a Chase business credit card can help your company grow and save money.