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Compare the three Chase Ink business credit cards
You can earn more rewards simply by choosing the right card.
Best business card for cashback rewards
Ink Business Cash℠ Credit Card
Finder rating: 4.5/5
Best business card for simple cashback rewards
Ink Business Unlimited℠ Credit Card
Finder rating: 4.1/5
Best business card for general travel rewards
Ink Business Preferred® Credit Card
Finder rating: 4.4/5
How to compare Chase Ink Cards
The three Chase Ink cards are each geared toward different types of businesses. Note, you don’t have to be a business owner to get one of these cards. All you need is an income as a freelancer or by running an online shop outside of your employment. Just mark on your credit card application that you are a sole proprietor and use your own Social Security number as a tax ID or EIN and you should be good to go. Here’s how these cards compare:
|Ink Business Cash℠ Credit Card||Ink Business Unlimited℠ Credit Card||Ink Business Preferred® Credit Card|
|Who’s it best for?||Businesses that spend heavily on office supplies||Businesses that spend on variety of categories||Businesses that spend heavily on travel and online ads|
|Rewards rate||5% cash back on the first $25,000 spent in combined purchases on Internet, cable and phone services and at office supply stores each year, 1% after reaching the cap.|
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each year, 1% after reaching the cap.
1% cash back on all other purchases
|Unlimited 1.5% cash back on all purchases.||3x points on the first $150,000 spent annually in combined purchases on travel, shipping, Internet, cable and phone services, and advertising on social media sites and search engines, 1x point after reaching the cap.|
1x points on all other purchases
|Signup bonus||$750 cash back bonus when you spend $7,500 in your first 3 months of card membership||$750 cash back bonus when you spend $7,500 in your first 3 months of card membership||100,000 bonus points when you spend $15,000 in your first 3 months of card membership|
All Chase Ink business cards earn you points, despite one of them having cash in the name and 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. You can also redeem points for flights, hotel stays and more. If you get all three, you’ll have a rewarding combo known as the Chase business trifecta.
How to maximize rewards
No matter which card you choose, there are some ways to maximize your rewards.
- Earn the signup bonus. All three cards come with a signup bonus worth either $750 or $1,000 after you meet the spending requirements in the first three months of card membership. This can be a solid one-time cash boost to your company.
- Use the card on categories where it earns most rewards. One card highly rewards office supply purchases, another travel and a third rewards all purchases equally. You can maximize your rewards if you use the right card on the right category of purchases.
- Combine cards. Chase has made all three cards to complement each other, meaning you can get all three in the Chase business trifecta and use each card where it earns the most rewards. This is one of the most rewarding credit card combinations you can make for your business.
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. If the Ink business cards don’t fit your business’s needs, consider other business credit cards.
Frequently asked questions
Which credit cards can I pair to earn more points?
Pair any Chase credit card that has the Unlimited Rewards program. For example, use the Ink Business Preferred® Credit Card when you buy in categories that earn 3x points and use the Ink Business Unlimited℠ Credit Card for all other purchases to earn 1.5x points instead of the 1x points that the other card earns.
Can I lose the points I earn?
Yes, if you don’t make the minimum payment within 60 days of its due date, you’ll lose all of your points.
Which of these cards has the best minimum credit line?
With the Ink Business Preferred® Credit Card, you’ll start with a credit line of at least $5,000. The other two cards have a $3,000 minimum credit line.
Is there a Chase Sapphire Business card?
No. However, there are cards that offer similar benefits to the Chase Sapphire Business card.
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