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Which Chase Ink business credit card is best for you? – April 2019

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Could you benefit from a travel card or no-annual-fee cashback card?

At first glance, the three Ink by Chase cards may seem worlds apart, but they are quite similar. Even so, based on your business’s needs, one of these cards may stand out for its value while the others could be useless.

But before we go into details, know that all Chase Ink business cards let you earn points, despite one of them having cash in the name or another being advertised as an unlimited cashback card. You can redeem the points you earn for cash back as a statement credit or as a deposit to your savings or checking account. For the highest return, redeem your points for travel rewards through Chase Ultimate Rewards® and get 25% more value.

Compare Chase Ink business credit cards

Updated April 21st, 2019
Name Product Rewards Purchase APR Annual Fee
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months

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Best Chase Ink credit cards

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Best for simple cashback rewards: Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No annual fee
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Who should get this card?

Businesses that want a simple rewards card could find the Ink Business Unlimited℠ Credit Card to be a great choice. As the name suggests, you’ll get unlimited 1.5% back in Chase Ink rewards on all of your purchases and can redeem them as either cash back or travel rewards. If you redeem your points for travel rewards — such as airfare, hotels, car rentals and cruises — through Chase Ultimate Rewards®, your return will be 1.87%.

Best for cashback rewards: Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No annual fee
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Who should get this card?

If your annual business expenses mostly revolve around office supplies, Internet and cable services, but you also spend on gas and dining up to $25,000 in a calendar year, then you’ll get the highest value with this card. Despite being marketed as a cashback card, you earn points that can be redeemed for cash back or for travel purchases through Chase Ultimate Rewards® where your maximum return value could be up to 7.5%.

Best for travel: Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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Who should get this card?

This is the only card in the Chase Ink suite that has an annual fee. But it’s also the card that lets you earn the most points, especially in categories such as travel, shipping, advertising purchases made with social media sites and search engines and Internet, cable and phone services. To get the highest value for your points, redeem them through the Chase Ultimate Rewards® platform for 25% more value.

Aside from earning points, this is a great travel card, as it’s the only Chase Ink card that has no foreign transaction fees. Plus, it has additional travel insurance if your trip is canceled or interrupted, and you can transfer points in a 1:1 ratio with Chase’s airline and hotel partners.

Is there a Chase Sapphire business card?

Compare all business credit cards

Updated April 21st, 2019
Name Product Rewards Purchase APR Annual Fee
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership.
Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe.
4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
16.49%, 20.49% or 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership.
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
None (Charge Card)
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening.
2x points on purchases through Amex Travel and 1x points on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership.
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back.
6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 100,000 bonus points after you use your new card to make $5,000 in purchases within the first 3 months of card membership.
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months.
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$195
Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
N/A
None (Charge Card)
$0
60-day interest-free financing for e-commerce businesses.

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Bottom line

Depending on your business’s requirements, you can get the Ink Business Preferred℠ Credit Card for the highest travel rewards, the Ink Business Cash℠ Credit Card if you spend across several business categories or the simple Ink Business Unlimited℠ Credit Card if you want flat returns for your spending.

But the great thing about the Chase Ink business credit cards is that they all share a single rewards program, so you can combine two different cards to get the highest value.
Compare Ink Business Preferred℠ Credit Card and Ink Business Cash℠ Credit Card

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