Ranking Chase Business Credit Cards from Best to “Worst”

Business credit cards can be a great way to earn additional points on purchases you’re already making. Depending on the credit card, spend multipliers can include social ad spend, gas stations, restaurants, and office supply stores.

Disclaimer: This post is made for entertainment purposes only.

 As of August 2019, Chase has seven business credit cards that you can apply for:

  1. Ink Business Cash (CIC)

  2. Ink Business Preferred (CIP)

  3. Ink Business Unlimited (CIU)

  4. United Explorer Business

  5. United Club Business

  6. Southwest Rapid Rewards Premier Business

  7. Southwest Rapid Rewards Performance Business

In the survey below, pick the top 3 Chase business cards you would like to have in your wallet. #1 = Best Chase card, #2 = second best Chase card, etc.

Find the survey results at the end of the post.

Best and “Worst” Chase Business Credit Cards Methodology

Below is our ranking for the Chase business credit cards. We ranked the Chase business credit cards based on the following factors:

  • Intro offer

  • Spending multipliers

  • Perks

  • Downgrade paths

Intro Offer Eligibility

All Chase business cards are affected by the Chase 5/24 rule, but they don’t count towards it.

For example, if you’re currently at 3/24 (3 personal credit cards in the past 24 months), you qualify for a Chase business credit card. After adding the business card, you’ll remain at 3/24.

If you have opened 5 or more personal credit cards or charge cards in the past 24 months, you will automatically be denied.

Intro Offers

Intro offers are the welcome bonuses you receive after you complete a minimum spend requirement within 3 months of opening the credit card.

Offers for the Ink cards have been consistent for the past 12 months, but other card intro offers can vary based on bank promotions.

It’s worth noting that all of the Chase Ink Business cards earn Ultimate Rewards points, even though some marketing material advertises “cash back.”

  • Ink Business Preferred = “80,000 Bonus Points”

  • Ink Business Cash and Ink Business Unlimited = “$500 Bonus Cash Back”

Ink Business Cash℠ Credit Card

  • Intro offer: 50,000 Ultimate Rewards points after $3,000 of spend in the first 3 months of account opening

  • Annual fee: $0

  • Spending Multipliers:

    • Earn 5X points on internet, cable, and phone services*

    • Earn 2X points on gas stations and restaurants*

    • Earn 1X points on all other purchases

           *on up to $25,000 in combined category purchases each card member year

  • Intro offer: 50,000 Ultimate Rewards points after $3,000 in spend within the 3 months of account opening

  • Annual fee: $0

  • Spending Multipliers: Earn unlimited 1.5X on all purchases

  • Intro offer: 80,000 Ultimate Rewards points after $5,000 in spend within the first 3 months of account opening; equivalent to $1,000 when you redeem points for travel through the Chase Ultimate Rewards Travel Portal

  • Annual fee: $95

  • Spending Multipliers:

    • Earn 3X points on travel*

    • Earn 3X points on shipping*

    • Earn 3X points on internet, cable, and phone services*

    • Earn 3X points on social media ads and search engines*

    • Earn 1X points on all other purchases

           *on up to $150,000 in combined category purchases

Spending Multipliers

The Ink Business Preferred, the Ink Business Cash, and the Southwest Rapid Rewards Performance Business credit cards have the strongest diversity of spending multipliers.

Social Media Ads ( Facebook Ads, Instagram Ads, Google Adwords)

If your business runs social media ads, the Ink Business Preferred earns 3x points on up $150,000 in combined categories each anniversary year. Pairing the card with the Ink Business Unlimited is a good catch-all to earn 1.5x on everything after the $150,000 threshold.

Shipping and Office Supplies

For businesses that have expenses on office supply stores and shipping, you can pair the Ink Business Cash for shipping supplies, and the Ink Business Preferred for shipping expenses.

Southwest Airlines

If Southwest Airlines is your choice airline, it might be ideal to the Performance Business credit card. Earn points on Southwest purchases, social ad spend, internet, cable, and phone services.

Southwest Rapid Rewards® Performance Business Credit Card

  • Intro offer: 80,000 points after $5,000 in spend within the first 3 months of account opening

  • Annual fee: $199

  • Spending Multipliers:

    • 3X Southwest points on Southwest Airlines purchases

    • 2X points on:

      • Internet, cable, and phone services

      • Advertising purchases made w/ social media sites or search engines

    • 1x points on all other purchases

Credit Card Perks

If you’re a frequent flyer of United or Southwest, it might be worth getting the business cards due to the perks. The United Club Business card has the strongest perks since it grants you unlimited access to the United Club lounges (not Polaris).

Airline Transfer Partners

The Ink Business Preferred card has access to the Chase Travel Portal and travel transfer partners. Redeem Ultimate Rewards at 1.25x, similar to the Chase Sapphire Preferred.

Chase Travel Transfer Partners:

  • Aer Lingus AerClub

  • Air France/KLM Flying Blue

  • British Airway Avios*

  • Iberia Plus

  • JetBlue TrueBlue

  • Singapore Airlines KrisFlyer*

  • Southwest Airlines Rapid Rewards

  • United Airlines MileagePlus

  • Virgin Atlantic Flying Club*

  • World of Hyatt*

  • IHG Rewards Club

  • Marriott Rewards

Points transfer at a 1:1 ratio but for some travel partners, you can get outsized value.

United Airlines

Depending on the cards in your wallet and how much you value United Club access, the United business cards might be worth considering for the perks.

United Explorer Business Credit Card

  • Annual fee: $0 first year intro annual fee, then $95

  • Priority boarding

  • Free first checked bag for the primary cardholder and companion traveling on the same United reservation

  • 2 One-time use United Club passes issued upon card opening and card anniversaries

United Club Business Card

  • Annual fee: $450

  • United Club membership (does NOT include Polaris Lounge)

  • First and second checked bag free

  • Premier Access travel services

Southwest Airlines

Both Southwest business credit cards offer bonus points after your Cardmember anniversary. For an extra $100, you get more perks with the Performance Business card.

Other perks mentioned in the marketing material like “$0 1st & 2nd checked bags (weight/size limits apply)” aren’t valuable because those come with a standard ticket, regardless if you have a Southwest credit card.

“$0 change fee (fare difference may apply)” is another standard perk that comes with any Southwest ticket.

Southwest Rapid Rewards Premier Business

  • Annual fee: $99

  • 6,000 bonus points after your Cardmember anniversary

Southwest Rapid Rewards Performance Business

  • Annual fee: $199

  • 9,000 bonus points after your Cardmember anniversary

  • Global Entry or TSA Pre✓® Fee Credit

  • Inflight WiFi credits

  • 4 Upgraded Boardings per year when available

Downgrade Paths

The Chase Ink Business cards have strong “outs” because you have the ability to product change to a no annual fee Ink card after the first year.

If you don’t get positive expected value from the Ink Business Preferred after the first year, you can product change to the Ink Cash or the Ink Unlimited.

The other co-branded airline cards from United and Southwest do not have product change option without an annual fee. Be sure to calculate the breakeven point to see if the cards are right for you.

Breakeven = points from spend - annual fee - opp. cost + benefits

where:

  • x = spend

  • solve for x:

  • = x(multiplier)(cents per point value) - annual fee - x(0.02) + benefits

Product Change Rules

A few card product change rules to keep in mind:

  • You cannot product change a business credit card to a personal one

  • You must hold the card for a minimum of 12 months before requesting a product change due to the CARD Act

  • You can only product change a card within the same family of cards

    • United Explorer Business ⇄ United Club Business

    • Southwest Premier Business ⇄ Southwest Performance Business

    • Ink Business Preferred ⇄ Ink Business Cash ⇄ Ink Business Unlimited

Survey Results



Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.