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- The
Ink Business Cash® Credit Card and theInk Business Unlimited® Credit Card are offering$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening . - The
Ink Business Preferred® Credit Card is offering100,000 points after spending $15,000 on purchases in the first 3 months from account opening . - The right card for you depends mostly on your spending habits and whether or not you want to pay an annual fee.
- Read Insider's guide to the best small-business credit cards.
This just in: All three Chase Ink Business credit cards have eye-watering bonuses:
With all these huge bonuses available, you may be wondering which of these business credit cards would work better for your needs. It really depends on how you want to use the rewards you earn, where your business spends the most money, and whether or not you want to pay an annual fee.
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Compare Chase Ink credit cards
Annual fee | |||
Rewards rate | 1.5% cash back (1.5x points) on all eligible purchases with no cap | 5% cash back (5x points) at office supply stores and on internet, cable, and phone services*** 2% cash back (2x points) at gas stations and restaurants*** 1% cash back (1x points) on all other purchases | 3x points on shipping purchases, advertising purchases on social media sites and search engines, internet, cable, and phone services, and travel* 1x points on all other purchases |
Welcome bonus offer | |||
Card benefits | Primary car rental insurance (when renting for business purposes) Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch | Primary car rental insurance (when renting for business purposes) Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch |
Primary car rental insurance (when renting for business purposes) Trip cancellation/interruption insurance Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch No foreign transaction fees |
Rewards redemption options
| Redeem rewards for cash back, statement credits, merchandise, or travel through Chase | Redeem rewards for cash back, statement credits, merchandise, or travel through Chase | Redeem rewards for cash back, statement credits or merchandise; get 25% more value when you redeem points through the Chase travel portal, or transfer to Chase Ultimate Rewards airline and hotel partners |
Review |
Who should consider the Chase Ink Business Cash?
The
- 5% cash back (5 Chase Ultimate Rewards points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
- 2% cash back (2 Chase Ultimate Rewards points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back (1 Chase Ultimate Rewards point per dollar) on all other purchases with no cap
If you spend a lot in the bonus categories, your rewards can add up quickly.
Another benefit of the
Pros
- No annual fee
- High welcome bonus offer
- Good benefits for a no-annual-fee business credit card
- Introductory
Ink Business Cash® Credit Card
Cons
- Bonus rewards categories come with annual caps
- You can't transfer your rewards to airline or hotel partners unless you combine your points with a
Chase Sapphire Preferred® Card ,Chase Sapphire Reserve® , orInk Business Preferred® Credit Card - Only 1% cash back (1x points) on non-bonus spending
- Charges foreign transaction fees
Who is the Ink Business Cash best for?
The
Who should consider the Chase Ink Business Unlimited?
The
The card offers the same
If you're someone who is eager to take advantage of cardholder benefits, you should also know that you'll get the same suite of perks with this card — primary auto rental coverage when you rent a car for business purposes, travel and emergency assistance services, purchase protection, extended warranty, and roadside assistance.
Pros
- No annual fee
- High welcome bonus offer
- Easy earning structure (no categories to track)
- Introductory
Ink Business Unlimited® Credit Card
Cons
- No bonus rewards categories to maximize
- You can't transfer your rewards to airline or hotel partners unless you combine your points with a
Chase Sapphire Preferred® Card ,Chase Sapphire Reserve® , orInk Business Preferred® Credit Card - Charges foreign transaction fees
Who is the Ink Business Unlimited best for?
The
Who should consider the Chase Ink Business Preferred?
If you're intrigued about the
Also, when you have the
You can redeem the 100,000 points you'll earn for:
- $1,000 in cash back or statement credits
- $1,250 in travel through the Chase portal
- 100,000 Hyatt points (enough for potentially thousands of dollars in hotel stays)
- 100,000 Southwest points (worth $1,400+ in free flights)
- 100,000 Virgin Atlantic points (potentially enough for a round-trip business class flight to Europe on Delta)
This card also earns 3 points per dollar on up to $150,000 spent each year in popular business categories including travel, shipping purchases, internet, cable and phone purchases, and advertising with select social media and search engines, after which you'll earn 1 point per dollar.
In terms of cardholder benefits, the
Pros
- Get 25% more value for points when you redeem them for travel through the Chase portal
- Transfer points to airline and hotel partners for award travel
- Qualify for added benefits like trip cancellation and interruption insurance and cell phone insurance
- Larger welcome bonus offer
- No foreign transaction fees on purchases made outside the US
Cons
- Welcome bonus offer has a high spending requirement of $15,000 within three months
- Card also has cap on earning rate for bonus categories
- There's a
$95 annual fee that's not waived for the first year
Who is the Ink Business Preferred best for?
The
You'll also get 25% more value when you redeem points for travel through Chase, and you open up tons of award travel possibilities when you transfer points to airline and hotel partners.
What to know about the Ink cards
Chase Ink credit cards have never been more enticing. Between all three card bonuses, there are hundreds of thousands of Chase points to be earned. And you may well find that you'd like more than one type of Ink card. Each has varying earning rates that serve a specific part of your spending.
Just remember, these are small-business cards. That means you must have a business to qualify, but it doesn't have to be a full-time venture or formal business like an LLC. If you dogsit on Rover, deliver food with Uber Eats, shop for Instacart, or are a freelance writer, you're eligible to apply for these cards.