How to choose between the 3 Chase Ink business credit cards

How to compare Chase Ink Cards

There are three Chase Ink cards, each geared toward different types of businesses: the Ink Business Unlimited℠ Credit Card, Ink Business Cash℠ Credit Card and Chase Ink Business Preferred® Credit Card. Here’s how these cards compare:

The best Chase Ink business credit cards

Best for simple cashback rewards
Ink Business Unlimited℠ Credit Card

Finder Rating: 4.1 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 1.5%
Cash back

$750
Welcome offer

• Info
• Pros & cons
• Details

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%.

• Credit line. The minimum credit line you'll get with this card is $3,000. When compared to other cards, this is relatively high. For credit limits higher than $25,000, Chase may request additional information from you
• Travel protection. With this card, you get access to legal, medical and other emergency assistance you may need when you travel. Also, you're insured against theft or collision damage for your car rental when you pay the rental with your card.
• Roadside assistance. Whenever you need help with towing, replacing a tire, charging your car battery or gas delivery, call 800-847-2869 and the emergency service will assist you. Note that third-party service costs will be charged to your card.
• Purchase protection. Get coverage against damage or theft up to $10,000 per claim and $50,000 per account for purchases you made in the last 120 days. You also get extended warranties on eligible items.

Annual Fee	$0
Purchase APR	0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR	13.24% to 19.24% variable
Welcome offer	$750 back after spending $7,500 in the first 3 months
Rewards	1.5% cash back on all purchases

Best for cashback rewards
Ink Business Cash℠ Credit Card

Finder Rating: 4.5 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$750
Welcome offer

• Info
• Pros & cons
• Details

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%.

• Credit line. Chase offers a minimum credit limit of $3,000. But based on your creditworthiness and other factors determined by the bank, you could get a higher credit line. For credit limits higher than $25,000, Chase may request additional information from you.
• Travel protection. Get access to legal, medical and other emergency assistance when you travel. Also, if you rent a car and pay for the entire rental with your card, you're insured against theft or collision damage.
• Roadside assistance. Call 800-847-2869 if you need help with towing, replacing a tire, charging your car battery or gas delivery, and Chase's emergency service will assist you. Note that you'll have to pay for any third-party service costs.
• Purchase protection. For purchases made with this card, you have 120 days of coverage against damage or theft up to $10,000 per claim and $50,000 per account.

Annual Fee	$0
Purchase APR	0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR	13.24% to 19.24% variable
Welcome offer	$750 cash back after spending $7,500 in the first 3 months
Rewards	5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases

Best for travel
Ink Business Preferred® Credit Card

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$95
Annual fee

Up to 3x
Points

100,000
Points welcome offer

• Info
• Pros & cons
• Details

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.

• Points transfer. This is one of the best perks this card offers. You get to transfer points in a 1:1 ratio with airline miles and hotel points of Chase's partners, including United Airlines, Virgin Atlantic, Southwest Airlines, Marriott hotels and Hyatt hotels, among others.
• Employee cards. You can add authorized users to your account without paying extra. Just keep in mind that you are responsible for their balances.
• Trip cancelation and interruption insurance. In addition to travel and car rental insurance, this card offers trip cancelation and interruption insurance in case of sickness, weather conditions and other situations. The costs for passenger fares, hotels and tours that you already paid will be reimbursed up to $5,000 per trip.
• Cell phone protection. Aside from purchase protection and extended warranties, you also get phone protection against theft or damage for up to $600 per claim.
• Credit line. Unlike the other two cards from the Ink suite where the minimum credit line you could get is $5,000, with this card you get a minimum credit line of $5,000. For credit lines above $25,000, Chase may require additional information from you.

Annual Fee	$95
Purchase APR	15.99% to 20.99% variable
Balance transfer APR	15.99% to 20.99% variable
Welcome offer	100,000 points after spending $15,000 in the first 3 months
Rewards	3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases

Compare Chase Ink business cards

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Name	Product	Rewards	Purchase APR	Annual fee
Ink Business Unlimited℠ Credit Card		1.5% cash back on all purchases	0% intro for the first 12 months (then 13.24% to 19.24% variable)	$0	$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.	Apply now View details	Compare	loading Fetching your data...
Ink Business Preferred® Credit Card		3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases	15.99% to 20.99% variable	$95	100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards&reg	Apply now View details	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card		5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases	0% intro for the first 12 months (then 13.24% to 19.24% variable)	$0	$750 bonus cash back after you spend $7,500 in the first 3 months.	Apply now View details	Compare	loading Fetching your data...

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Other business credit cards to consider

Many banks offer business credit cards, but American Express and Capital One tend to give Chase a run for its money.

• • Consider Capital One if you want flat-rate cash back.
    You’ll find no-annual-fee options that offer 1.5% rewards rates in cash back or miles. If you’re willing to pay a $95 annual fee starting the second year, you can earn a 2% rewards rate in cash back or miles.

• Consider Amex for bonus rewards in select business categories.
  Similar to Chase’s Ultimate Rewards program, American Express has its own Amex Membership rewards. This is useful if your business spends a lot on categories like US gas stations, US shipping, select US advertising or travel.

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. If the Ink business cards don’t fit your business’s needs, consider other business credit cards.

Compare Ink Business Preferred® Credit Card and Ink Business Cash℠ Credit Card

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.