Most Used Chase Credit Cards for Small Businesses for Large Purchases

Introduction

Finding the right credit cards is significantly important for managing small businesses for their large purchases as it impacts the overall cash flow and reward strategy. To meet the unique cash requirements of small businesses Chase offers a range of credit cards. In order to overcome a certain set of financial challenges while running a small business having the right business credit card can be a valuable tool for managing all the cashflows properly and earning rewards.

Summary Table (TLDR)

Top 7 Most Used Chase Credit Cards for Small Businesses for Large Purchases 2025

1. Chase Ink Business Cash

The Chase Ink Business Cash card helps small businesses to make their large purchases smoothly and allows them to carry on their business steadily. It allow small businesses to earn benefits from cash backs on purchases of office supplies.

Large Purchases

Issuer	Chase
Payment Gateway	Mastercard
Credit Score	Good-Excellent
Intro APR	0% for 12 months
Regular APR	18.24%–24.24%
Sign In Bonus	$750 cash back after $6,000 spent in 3 months
Best For	Household/ Regular Shopper

The Chase Ink Business Cash Card is issued by Chase and offers 5% cash back on office supplies and select utilities, with no annual fee. It benefits small businesses by maximizing rewards on everyday expenses.The card has no annual fee and offers employee cards at no additional cost. It provides a credit limit based on your business needs and requires a good credit score. The referral program allows you to earn rewards by referring others.

Key Features:

• Business Cashback
• No Annual Fee
• Office Supplies

Reward Rate:

• 5% cash back on office supplies & internet/phone services 
• 2% cash back at gas stations & dining

Other Information:

• Employee cards are free; no annual fee
• 3% foreign transaction fee

Pros & Cons of Chase Ink Business Cash Credit Card

Expert Advice:

Chase Ink Business Cash is a solid card for small businesses that provides 5% cashback on the first $25,000 spent in combined categories like office supplies and internet service. An annual fee, zero on this business credit card, is a perfect chance for businesses to maximize rewards at virtually no extra cost.

2. Chase Ink Business Preferred

The Chase Ink Business Preferred card help small business to overcome their funds deficiency and enable them to complete their huge business expenses by offering generous rewards.

Large purchases and cashback

Issuer	Chase
Payment Gateway	Visa
Credit Score	Good-Excellent
Intro APR	N/A
Regular APR	20.24%–25.24%
Sign In Bonus	100,000 points after $8,000 spent in 3 months
Best For	Large purchases

The Chase Ink Business Preferred® Card is designed for business owners. Issued by Chase, it offers generous rewards on business expenses and helps manage expenses efficiently. It provides flexibility in earning rewards.

The card has an annual fee of $95 and offers 3X points on travel and select business categories. The credit limit varies, and a good credit score is required. It also includes a referral program and travel insurance.

Key Features:

• Business Rewards
• Travel Benefits
• Employee Spending

Reward Rate:

• 3x points on travel, shipping, internet, phone services 
• 1x points on all other purchases

Other Information:

• Points redeemable through Chase Ultimate Rewards for max value
• High spending requirement for sign-up bonus

Pros & Cons of Chase Ink Business Preferred Credit Card

Expert Advice:

Chase Ink Business Preferred is great for businesses that spend on travel, advertising, and telecom, this card features 3 points for every dollar in those categories. A great sign-up bonus and the ability to transfer points to travel partners make this a great choice for heavy-spending businesses.

3. Chase Sapphire Preferred

The Chase Sapphire Preferred card helps small businesses by maximizing their travel benefits. This card allows them to make their purchases from other cities as well.

Large purchases

Issuer	Chase
Payment Gateway	Visa
Credit Score	Good-Excellent
Intro APR	N/A
Regular APR	21.24%–28.24%
Sign In Bonus	60,000 points after $4,000 spent in 3 months
Best For	Large purchases

The Chase Sapphire Preferred® Card is ideal for travel enthusiasts. Issued by Chase, it offers generous travel rewards and flexible redemption options. It helps maximize travel benefits and manage expenses efficiently.

The card has an annual fee of $95 and offers 2X points on travel and dining. The credit limit varies, and a good credit score is required. It also includes a referral program and travel insurance.

Key Features:

• Travel Rewards
• Dining Benefits

Reward Rate:

• 5x points on travel via Chase Ultimate Rewards 
• 3x points on dining, streaming, and online grocery

Other Information:

• Points transferable to travel partners for full value
• Limited bonus categories compared to some other cards

Pros & Cons of Chase Sapphire Preferred Credit Card

Expert Advice:

Chase Sapphire Preferred is a travel card excellent for travelers who travel often, offering 2x points on travel and dining purchases and an additional large sign-up bonus. Points can be transferred to numerous travel partners, and this is a great option when it maximizes your travel rewards.

4. Chase Ink Business Unlimited

The Chase Ink Business Unlimited card assists small businesses by providing a cashback of 1.5% on every business purchase. It also provides offer cards to employees.

Large purchases

Issuer	Chase
Payment Gateway	Visa
Credit Score	Good-Excellent
Intro APR	0% for 12 months
Regular APR	18.24%–24.24%
Sign In Bonus	$750 cash back after $6,000 spent in 3 months
Best For	Large purchases

The Chase Ink Business Unlimited® Card, issued by Chase, provides unlimited 1.5% cash back on all business purchases with no annual fee. It benefits businesses by offering a simple, flat-rate cash back on all expenses.

This card has no annual fee and offers employee cards at no additional cost. It provides a credit limit based on your business needs and requires a good credit score. The referral program allows you to earn rewards by referring others.

Key Features:

• Business Cashback
• No Annual Fee
• Simple Rewards

Reward Rate:

• 1.5% unlimited cashback on all business purchases 
• No category restrictions

Other Information:

• Simple 1.5% cashback on all purchases
• No bonus categories or higher rates for specific purchases

Pros & Cons of Chase Ink Business Unlimited Credit Card

Expert Advice:

The Chase Ink Business Unlimited credit card is a good option when you want simple rewards without bonus categories. It gives you 1.5% cashback on every purchase, trying to make it as simple and easy as possible with a business of every size.

5. Chase Ink Business Premier

The Chase Ink Business Premier Cards are designed to offer unlimited 2% cashback on all purchases. This card helps small businesses with high expenditures.

Large Purchase

Issuer	Chase
Payment Gateway	Visa
Credit Score	Good-Excellent
Intro APR	N/A
Regular APR	21.24%–29.24%
Sign In Bonus	100,000 points after $10,000 in 3 months
Best For	Cashbacks and large purchase

The Chase Ink Business Premier® Credit Card is designed for businesses with high expenditures, offering unlimited 2% cash back on all purchases and 2.5% on purchases over $5,000. It is a great option for businesses making large transactions and wanting simple, high-value rewards. 

The annual fee is $195, and the required credit score is good to excellent. This card offers high credit limits, free employee cards, purchase protection, and trip cancellation insurance. Chase does not currently offer a referral program for this card.

Key Features:

• Business Rewards
• Large Purchases
• Cash Back

Reward Rate:

• 2.5% cash back on purchases $5,000+ 
• 2% on all else

Other Information:

• 2.5% cash back on purchases over $5,000 (first $50,000 spent)
• High spending requirement for sign-up bonus

Pros & Cons of Chase Ink Business Premier Credit Card

Expert Advice:

Chase Ink Business Premier is a good card that caters to high-spending businesses. It offers 2.5% cash back on the first $5,000 spent on combined purchases each month, and then it reverts to an ongoing cashback of 1.5% with no limit on the spending.

6. Chase Sapphire Reserve

The Chase Sapphire Reserve® Card help small business with travel and dining benefits. This card help to manage all the expenses and travel rewards.

Large Purchases

Issuer	Chase
Payment Gateway	Visa
Credit Score	Excellent
Intro APR	N/A
Regular APR	22.24%–29.24%
Sign In Bonus	60,000 points after $4,000 spent in 3 months
Best For	Large purchase

The Chase Sapphire Reserve® Card is designed for frequent travelers. Issued by Chase, it offers premium travel benefits, including airport lounge access and travel insurance. It helps maximize travel rewards and manage expenses.

The card has an annual fee of $550 and offers 3X points on travel and dining. The credit limit varies, and a good credit score is required. It also includes a referral program and travel insurance.

Key Features:

• Premium Travel
• Lounge Access
• Concierge Service

Reward Rate:

• 10x points on hotel & car rentals via Chase Travel 
• 3x points on dining & general travel

Other Information:

• Priority Pass lounge access and $300 annual travel credit
• High annual fee, and points best used for travel via Chase Ultimate Rewards

Pros & Cons of Chase Sapphire Reserve Credit Card

Expert Advice:

Chase Sapphire Reserve is an elite travel credit card that earns 3x points on travel and dining, a large one-time sign-up bonus, and access to lavish benefits such as access to airport lounges. Perfect for high-spending travelers who want big rewards and benefits.

7. Chase Freedom Unlimited

The Chase Freedom Unlimited card helps small businesses with 1.5% purchase cash back. This card also provides flexibility in purchasing with earning rewards.

Large Purchase

Issuer	Chase
Payment Gateway	Visa
Credit Score	Good-Excellent
Intro APR	0% for 15 months
Regular APR	20.24%–28.99%
Sign In Bonus	$200 after $500 spent in 3 months
Best For	Large Purchase

The Chase Freedom Unlimited® Card is designed for everyday spending. Issued by Chase, it offers unlimited cash back on all purchases and helps manage expenses efficiently. It provides flexibility in earning rewards.

The card has no annual fee and offers 1.5% cash back on all purchases. The credit limit varies, and a good credit score is required. It also includes a referral program and purchase protection.

Key Features:

• Cashback Rewards
• No Annual Fee

Reward Rate:

• 1.5% unlimited cashback on all purchases 
• 3% cash back on dining & drugstores

Other Information:

• 0% intro APR for 15 months on purchases and balance transfers
• High APR after the intro period ends and 3% foreign transaction fees

Pros & Cons of Chase Freedom Unlimited Credit Card

Expert Advice:

Chase Freedom Unlimited is a card that gives you unlimited 1.5% cashback on all purchases and 3% on dining and drugstore purchases. A versatile no-annual fee card is perfect for everyday spenders who want simple cashback without confusing categories.

Comparison Table

Methodology

While selecting the best credit cards for making large purchases by small businesses, critical features include good credit limits, spending rewards, interest rates that are low, and other business-oriented features. Such perks allow business owners to manage large expenses easily while earning rewards on their purchases. Business cards that offer 0% introductory APRs for the first few months or strong cashback programs, among other features, are favorable options when making larger purchases. 

Examples include the Chase Ink Business Preferred Credit Card, among the most popular credit cards for small businesses that make large purchases. It has an appealing sign-up bonus and earns 3x on the first $150,000 spent in travel, shipping, and advertising categories. The card offers a higher credit limit along with additional business benefits to allow for handling heavier expenses. Highly valuable for business owners wanting to maximize the rewards on their large purchases.

Choosing the Best Chase Credit Cards for Small Businesses for Large Purchases?

The following are the main criteria for selecting the best credit card:

1. Rewards Rate: Usually Chase bank credit cards offer high rewards on categories that are relevant to large purchases. It is always a good idea to choose cards that provide greater bonuses or give a flat rate cash back on large purchases especially business related.

2. Financing options and Introductory APR: Most credit cards Chase offers a 0% APR introductory offers that provide users room for good breathing to pay off their balance over a certain period of time without accumulating interest burden.  It is always good to have a low-standard APR or 0% APR when users want to go for large and financed purchases.

3. Sign-up bonuses: Many cards provide large sign-up bonuses to their users that can significantly increase the overall value of purchases in the initial few months. After a minimum spend user can avail of the offer for a large purchase to meet the threshold requirements. Small businesses can get maximum benefit from this after availing of all the benefits Chase credit cards are offering.

4. Annual Fees: Chase business credit cards charge an annual fee, such as the $95 for Chase Ink Business Preferred® Credit Card. While cards that charge an annual fee provide the additional benefits of higher rewards rates or other perks, weighing the fee against the rewards and sign-up bonuses is important. For those who wish to avoid fees, options like the Chase Ink Business Cash® Credit Card come with no annual fee and a good rewards rate. The main thing to look at is whether the value attained from the card outweighs the fee.

5. Redemption of Rewards on a Flexible Basis: Chase credit cards are designed to redeem rewards in either travel, gift cards, statement credits, or even cash. It helps small business entrepreneurs pay business expenses such as workers’ traveling costs or to balance budgets over the future.

6. Tracking and Reporting on Expenses: Chase provides online tools that help the business owner keep track of and monitor expenses. This is very effective with large purchases since it orients spacious reports on expenses, enabling the company to maintain budgets and has documented evidence of large expenses it incurs – which splendidly helps when tax and accounting frameworks are involved.

7. No Foreign Transaction Fees: Many Chase business cards don’t charge any foreign transaction fees, making it a great pair for businesses that have international purchasing and traveling. It may be an unexplained amount of spend to relieve your business from costing more with its large international transactions, which might simplify international processes by avoiding the extra fees on top.

Why Do Small Businesses Need Chase Credit Cards for Large Purchases?

Chase credit cards enable small businesses to earn rewards and manage large purchases while also allowing for repayment flexibility. Chase cards offer high rewards on key business categories, 0% introductory APR on large purchases for the first few months, and robust reporting tools that allow businesses to monitor expenses. These cards also come with substantial sign-up bonuses for businesses making other large purchases.

Does Chase issue credit cards for small businesses that entitle them to large purchase benefits?

Yes, Chase has more than a few credit cards geared towards small business owners, including the Chase Ink Business Preferred® Credit Card, which suits large purchases. These cards offer high rewards for purchases made in key business-related categories, arguably good sign-up bonuses, and financing options like 0% introductory APR extended to the first few months. Chase Business cards allow small business owners to maximize their spending power through the particular benefits and rewards they have to offer, including purchase protection and travel benefits.

How do Chase credit cards help small businesses with large purchases?

Chase credit cards, especially the Ink Business Preferred® and Ink Business Unlimited®, benefit small businesses with large purchases by offering high rewards in travel, advertising, and office supplies. It also offers a driving factor: businesses can manage huge expenditures at a zero percent introductory APR and get bonuses through these credit card programs. Added value from sign-up bonuses and flexible rewards redemption options lets credit cards enable small businesses to conduct necessary large transactions.

FAQs!

Why should small businesses consider Chase credit cards for large purchases?

Chase credit cards provide valuable rewards and flexible financing options for managing large business expenses.

How can Chase credit cards help small businesses manage large expenses?

Chase credit cards offer tools to earn rewards, manage cash flow, and access financing options, helping businesses handle large purchases effectively.

Do Chase credit cards offer benefits tailored for small businesses?

Yes, Chase credit cards are specifically designed to offer rewards, expense management, and financing options suited to small businesses.

Can Chase credit cards be used for financing large business purchases?

Yes, many Chase business credit cards offer 0% introductory APR, allowing businesses to finance large purchases over time.

How do Chase credit cards support business growth with large purchases?

Chase credit cards help businesses grow by offering rewards, extended payment options, and tools to manage significant expenses.