Chase Business Credit Cards for July 2022

The Ink Business Unlimited® Credit Card is a good option if your business budget is widespread — the rewards rate will apply equally to your office supplies, travel costs, gas and inventory. It’s one of the few Chase business cards that offers an introductory APR, too, which will allow you to finance large purchases with more breathing room. The welcome bonus is also on par with many other Chase business cards. This is a great general business credit card that can benefit nearly any company type or size.

The Ink Business Cash is similar to the Ink Business Unlimited: It has no annual fee and the same welcome bonus and introductory APR on purchases. The main difference is in the rewards structure. The rewards are primarily targeted toward office supplies and telecommunications equipment such as internet and phone services. It’s also a decent business card for gas stations and restaurant rewards, though if you’re looking to maximize gas rewards you may be better off with a competitor like the Costco Anywhere Visa® Business Card by Citi*.

The first thing that stands out about the Ink Business Preferred is the outsized welcome bonus compared to its Ink counterparts. The rewards hit a few important categories for many businesses, including shipping purchases, advertising purchases with social media or search engines, internet, cable and phone services, and travel. 

This card earns you rewards points rather than cash back, so you’ll have different redemption values. Redeeming your points for travel through the Chase Ultimate Rewards portal will net you the highest value, so this card’s best suited as a business travel card. If it seems too good to be true in comparison, the catch is the $95 annual fee. 

This is like many co-branded hotel credit cards wrapped in one — you’ll earn hotel rewards and travel upgrades throughout a large collection of hotel brands. The collection spans 6,000 destinations and 17 hotel brands — Regent, Holiday Inn, Holiday Inn Express, Atwell Suites, Candlewood Suites, Six Senses, Crowne Plaza and more. You automatically get IHG® Rewards Platinum Elite status with your card membership, which grants you perks like a Free Anniversary Night for your account anniversary at an eligible hotel worldwide.

The United Club Business Card* is particularly expensive with a $450 annual fee. It’s essentially a premium business airline credit card, built for those who travel frequently, offering a more comfortable and affordable trip. The primary counterbalance to the annual fee is a United Club Membership, which allows you and eligible travel companions to enjoy a workspace, lounge and complimentary refreshments at all United Club locations and participating Star Alliance™ affiliated airline lounges worldwide. You can also save up to $320 roundtrip via the free first and second checked bag perk for you and one companion traveling on the same reservation.

The United Business Card’s welcome bonus, rewards and annual fee are competitive with the likes of consumer airline credit cards. You’ll get two United Club one-time passes each year, priority boarding and a free first checked bag. It’s best for businesses that participate in occasional travel via United, as the $99 annual fee ($0 intro annual fee for the first year) is more manageable than the Club version of the card. 

The Southwest Rapid Rewards Performance Business Credit Card offers some unique benefits for a unique price point. You can get a credit for TSA PreCheck, Global Entry or Nexus, which can get you through security at the airport quicker — costs range from $50 to $100 every few years. You’ll also get in-flight Wi-Fi credits and up to four upgraded boardings each year (when available). In addition to these benefits and rewards, you can earn qualifying points toward A-List status, which unlocks even more flight perks. 

The Southwest® Rapid Rewards® Premier Business Credit Card is the less expensive of the Southwest business cards. You don’t get the same level of travel extras — this card is centered around its rewards program and welcome bonus. What you do get is two Early-Bird Check-Ins® each year and 25% back on in-flight purchases. If you can’t make use of the Performance version of the card’s travel perks, this will likely be a better value for your business.

The World of Hyatt Business Credit Card is for rewards for any of the hundreds of hotel and resort destinations in the World of Hyatt® collection. Besides the rewards and welcome bonus, you get access to the Hyatt Leverage program, which — according to Chase — saves cardholders an average of over $350 per year with discounts on the standard room rate at all participating Hyatt hotels. There are also additional opportunities to earn boosted rewards based on your overall spending habits.