Button links to Ink Business Preferred credit card product page, . With the Capital One Secured MasterCard, you’ll be able to enjoy the following freedoms: If you were interested in a Chase secured business credit card because you wanted to do your business spending specifically with Chase, you have two options worth considering as well: the Chase Ink Business Cash card and the Chase Ink Business Preferred card. Chase Secured Business Credit Card: Finding Your Top Alternative, Capital One® Spark® Classic for Business, after you spend $7,500 on purchases in first 3 months, after you spend $15,000 in first 3 months, if using less than 2 cards. Every purchase with your Discover it ® Business credit card earns unlimited 1.5% cash back automatically. You can earn rewards by using your Chase secured business credit card for everyday business transactions. . Unlimited 1.5% cash back rewards on every purchase Chase Secured Credit Card Alternatives Chase Bank is a trusted banking institution with a number of financial products. Earn reward flights with no blackout dates. Build your credit with a card that helps you do it responsibly and still get cash back on the purchases you make every day. The Capital One Spark Classic is the very best unsecured business credit card that’s available to business owners with average credit. after you spend $5,000 on purchases within the first 3 months of account opening. 3x points for every dollar—for up to $150,000—you spend on: Advertising purchases made with search engines and social media sites, One-click card controls & expense reports. He’s passionate about helping businesses take advantage of the best credit card offers on the market, from the longest 0% intro APR periods to the richest cash back and travel rewards bonuses. Experience the power of your rewards with flexible redemption options, to find what best meets your business needs. The Chase Ink Business Unlimited Credit Card is more widely available than the BBVA Secured Visa Business Credit Card, and this credit card offers a generous sign-up bonus: Earn $750 bonus cash back after spending $7,500 in the first 3 months. after you spend $15,000 on purchases in the first 3 months after account opening. Plus 6,000 anniversary bonus points. Earn 80,000 points after you spend $5,000 on purchases within the first 3 months of account opening. Let’s take a look at what the Ink Cash and the Ink Preferred can offer your business: The Chase Ink Business Cash card is one of the best business credit card options for cash rewards. But given that there are so many great Chase credit cards to choose from, you’ll usually need a strong credit score in order to be approved for one. Chase Freedom Unlimited® Travel. $750 bonus cash back Because of this personal guarantee, secured business cards are easier to qualify for and can help you improve your credit. So, what are the options for a Chase secured business credit card? on United purchases, dining, at gas stations, office supply stores and on local transit and commuting. Opens Chase Credit Journey in a new window, No Foreign Transaction Fee Credit Cards (19), Wholesale Club Visa Card Acceptance Credit Cards (16), SAFE Act: Chase Mortgage Loan Originators. After a year or two of on-time payments, you should be able to apply for a more traditional card. It lets you earn 3X points on the first $150,000 spent each year in certain merchant categories, with … Chase offers a variety of business credit cards — 6 in all — including those that provide cash-back rewards and travel points for frequent flyers. The Business Edition® Secured Visa® Card gives you a potential credit line up to $100,000, although you’ll need to offer up a security deposit of 110% of the credit line you want. $200 cash back if … Earn 2X points on Southwest® purchases and 1X points on all other purchases. Apply today and start earning rewards and cash back. Earn 2X miles Great For: Business owners who need to build credit. Chase isn't responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. 15.99(3.25 + 12.74)%–20.99(3.25 + 17.74)% variable APR.† Same page link to Pricing and Terms. 100,000 bonus points CHASE DOES NOT ENDORSE/GUARANTEE THE ACCURACY OF, AND DISCLAIMS ALL LIABILITY FOR, ALL SUBMISSIONS INCLUDING POSTS MADE BY EMPLOYEES/SUPPLIERS WHO ARE NOT AUTHORIZED ADMINISTRATORS OF THIS SITE. Opens in a new window containing additional reviews. Opens Hotel category page in the same window. 5% cash back on travel through Chase Ultimate Rewards. Spark 1% Classic. Chase does not offer secured business credit cards, but other credit card companies do. Chase also offers online and mobile services, business credit cards , and payment acceptance solutions built … Don’t worry though—although there is no Chase bank secured business credit card, there are still several credit card options available to you that are worth considering—including other offerings from Chase. So it is no surprise that it is one of the largest issuers of credit cards in the U.S. Opens Dining category page in the same window. There are several benefits for using Bento in addition to a secured credit card: you can set hard limits on how much money you can charge against your card (without the risk of overages), keep tabs on employee spending, and upload your purchase history into your bookkeeping platform of choice. With an unsecured business credit card, you’re approved for a line of credit based on your credit score, and therefore, you don’t have to put down any kind of collateral—the bank is confident that you’ll pay it back. The Chase secured business credit card offers $300 bonus cash back after $3,000 of purchases in the first three months with the Ink Cash secured business credit card. Opens Refer-A-Friend category page in the same window. A secured business credit card is a financing option available to small business owners with personal credit scores below 580. Cardholders can make a deposit of up to $50,000 for a credit line equal to the deposit. The Chase Slate® credit card is a minimalist card, with no rewards and relatively few perks. They can help you establish credit, cushion your cash flow, and give you the opportunity to take advantage of rewards and perks. Chase Merchant Services provides you with secure and convenient ways to do business. Opens card finder page in the same window. All Cards. Try our Business Card Finder. The credit line is often equal to a cash deposit held in a collateral account. End disclaimer. CHASE DOES NOT ENDORSE/GUARANTEE THE ACCURACY OF, AND DISCLAIMS ALL LIABILITY FOR, ALL SUBMISSIONS INCLUDING POSTS MADE BY EMPLOYEES/SUPPLIERS WHO ARE NOT AUTHORIZED ADMINISTRATORS OF THIS SITE. No matter which card you choose, you’re going to want to keep your monthly balance in check as you look to grow your credit history and improve your credit score. Need help choosing? Unlike the Wells Fargo secured business credit card, the Secured Mastercard from Capital One is a personal secured credit card. Finally, if you want a Chase business credit card that will reward your spending with rewards points rather than cash back, you’ll want to look to the Chase Ink Business Preferred. This business credit card offers one of the most generous signing bonuses on the market. Furthermore, when you spend using this business credit card, you’ll earn rewards at the following rates: However, unlike the Ink Cash card, the Ink Preferred will come with an annual fee. Secured credit cards work the same as other credit cards, but they’re specifically designed for consumers with bad credit or no credit. Button links to Southwest Rapid Rewards(Registered Trademark) Performance Business Credit Card product page, . There are many reasons for business owners to look into credit cards to use specifically for business purposes. 1% cash back on all other purchases. Button links to Ink Business Cash credit card product page, . Credit Level: Excellent. Get rewarded on expenses with new cardmember bonus offers, and by earning cash back rewards, airline miles, or credit card reward points on all your business purchases. However, if you spend responsibly with either the Spark Classic or the Secured MasterCard, you’ll soon have built the credit you need to become a Chase business credit card member. Because the consumer applying for the secured credit card does not have a positive credit history, a security deposit is required up front in order to qualify for the secured card. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. To get a secured credit card, you need to provide a cash deposit—usually $200-$500—which usually matches your credit limit and will be held by the lender in case of late or missed payments. Here are our top picks: If you started your search for a Chase secured business credit card with the intention of building credit and thereby having access to better business credit card offers in the future, you’ll want to consider the Spark Classic business credit card or the Capital One Secured MasterCard. Cash Back. A secured business credit card, as we mentioned, is a credit card that requires a security deposit upfront (often 90 to 100% of your credit limit), to serve as collateral in the case that you can’t pay your bill. An unsecured card, on the other hand, is what we typically think of when we think about business credit cards. Earn reward flights with no blackout dates. So, if you want that full $100,000 credit line, for example, you’ll need to deposit $110,000. The best Chase business credit card is the Ink Business Preferred® Credit Card because it offers the most rewards value, even with annual fees factored in. These two cards, however, are certainly worth any credit building you’ll have to do to access them. Opens Featured cards page in the same window. Explore all of Chase’s credit card offers for personal use and business. With this business credit card, you’ll not only gain an opportunity to improve your personal credit—Capital One will report your activity on the Spark Classic to personal credit bureaus—but you’ll also gain access to an unsecured credit limit to free up your business’s cash flow. Terms apply. The MidFirst Bank Business Secured Credit Card is a basic, no-frills secured business card for businesses with no or limited credit history. Opens Chase account sign in within a new window. Using secured business credit cards responsibly and paying your bills on time can help improve your business credit scores and potentially open up more funding options down the line. Opens Airline category page in the same window. After these 12 months, your APR will set in at a rate that will vary with the market prime rate, so be sure to see the issuer’s terms and conditions for the latest APR information. Not to mention, this card gives you the opportunity to earn a welcome bonus of a $750 statement credit if you spend $7,500 within three months of opening your account and has no annual fee. 16.49(3.25 + 13.24)%–23.49(3.25 + 20.24)% variable APR.† Same page link to Pricing and Terms, $0 intro annual fee for the first year, then $99.† Same page link to Pricing and Terms, © 2021 JPMorgan Chase & Co. Opens Business category page in the same window. A great way to manage your spending is to pair your credit card of choice with a pre-loaded debit card for daily purchases: Bento for Business is a prepaid business debit card designed to help business owners manage their spending. Though not an immediate go-to option, secured business cards are available for business owners with below-average or bad credit. And with Cashback Match, we'll automatically match all the cash back your business has earned at the end of your first year, dollar for dollar. Although Chase offers business banking services like checking accounts, savings accounts, and unsecured business credit cards, they do not have a secured business credit card offering. Unfortunately, there are none. 75,000 bonus miles It was a product they offered in the past, but economic changes forced them to do things a bit differently. With this card, your spending will be rewarded with the following cashback rates: You’ll also gain access to one of the longest 0% intro APR periods on the market—for your first 12 months after opening your Ink Cash account, you’ll be able to carry interest-free balances for purchases as long as you make your minimum monthly payments on time. Opens Chase Sapphire page in the same window. Before we dive into discussing your alternative options to a Chase secured business credit card, let’s clarify the difference between a secured credit card vs. an unsecured credit card. Chase Freedom Flex℠ Flat-rate cash back. One option to help you build your business credit is a secured business credit card. The Blue Business® Plus Credit Card from American Express. As such, we recommend that any business owner—even if they want to improve their business credit card options—build credit using a personal secured credit card. Read more: Charge Cards vs. Credit Cards. Even so, the Wells Fargo Business Secured Credit Card offers the best option for businesses that need an accessible way to build their credit score. Apply today. after you spend $3,000 on purchases in the first 3 months your account is open. Find the best business credit card from Chase. after you spend $7,500 on purchases in the first 3 months after account opening. Link toggles the Credit Card sub navigation, Opens Chase Credit Cards page in the same window, Link toggles the More Products sub navigation, Opens Chase.com auto loans in a new window, Opens Chase.com home equity in a new window, Opens Chase.com investing in a new window, Opens Chase.com business banking in a new window, Opens Chase.com commercial banking in a new window, Opens Chase ATM and branch locator in a new window, Opens Marketplace homepage in the same window, . Opens No Annual Fee category page in the same window. Whenever they receive a new customer, they work hard to build a strong relationship with that individual. The Wells Fargo Business Secured Credit Card lets you earn 1.5% cash back with $0 annual rewards fee. Don’t quite have the personal credit score to qualify for the Spark Classic or any other unsecured business credit card? Not to worry—you can improve your credit score by spending responsibly with a personal secured credit card, like the Capital One Secured MasterCard. If, however, you can’t qualify for a typical business credit card, you might be interested in a Chase secured business credit card. See Rates & Fees, Terms Apply. A secured business credit card, as we mentioned, is a credit card that requires a security deposit upfront (often 90 to 100% of your credit limit), to serve as collateral in the case that you can’t pay your bill. Earn 3X points on shipping and other select business categories. Add … Although you won’t be able to find a Chase secured business credit card, you will be able to find a variety of great alternatives to meet your specific business needs. Whether you want to build credit or spend with Chase specifically, you can explore the five options we’ve discussed above—as well as look into other cards on the market. Unfortunately, if you want to both build credit and spend with a Chase business credit card, you don’t have many options as both Chase business credit cards require good personal credit for you to qualify. 60,000 bonus points Get rewarded on business expenses with sign up bonus offers, cashback rewards, airline miles, and more on all your business purchases. Member FDICEqual Housing Lender, Begin disclaimer. . Earn 3X points on Southwest® purchases and 2X points on purchases for your business in select categories. So if you deposit $500, then you can spend up to $500. No Annual Fee. Earn 80,000 points The 8 Best Business Credit Cards to Consider: Chase Ink Business Cash – Best for most businesses; ... For those of you with poor credit or no business credit, you might need to use a secured business credit card to repair your score. Find the best rewards cards, travel cards, and more. Flexible cash back. Button links to United(Service Mark) Business Card product page. Opens Ink Business page in the same window. Plus, enjoy a free first checked bag and other great United travel benefits. Plus 9,000 anniversary bonus points. You simply need to put down a refundable security deposit to fund the credit limit. You’ll have to pay $95 a year to access this business credit card. An unsecured card, on the other hand, is what we typically think of when we think about business credit cards. Button links to Southwest Rapid Rewards(Registered Trademark) Premier Business Credit Card product page, . Spark 1.5% Cash Select. Secured credit cards require a deposit to get started. 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