How to choose between the 3 Chase Ink business credit cards
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How to choose between the 3 Chase Ink business credit cards

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You can earn more rewards simply by choosing the right card.

At first glance, the three Chase Ink cards may seem worlds apart, but they’re quite similar. Based on your business’s needs, one of these cards may stand out for its value while the others could be less desirable.

Compare Chase Ink business credit cards

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®
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
0% for the first 12 months (then 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
0% for the first 12 months (then 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

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What is the Chase Ink card?

The Ink products are Chase’s own business credit cards — those it doesn’t co-distribute with other companies like United Airlines or Southwest.

There are three Chase Ink cards, each geared toward different types of businesses:

  • Ink Business Unlimited℠ Credit Card.

    This card offers flat-rate cash back on every purchase, so it’s a great option if your business spends evenly throughout many categories.

  • Ink Business Cash℠ Credit Card.

    Consider this card if you spend in its bonus categories, as you can earn cash back faster.

  • Chase Ink Business Preferred℠ Credit Card.

    The best option if you want to redeem your rewards for travel. It’s an especially good choice if your business spends in the card’s bonus categories.

Pro tip

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 them for flights, hotel stays and more.

The best Chase Ink business credit cards

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

Ink Business Unlimited℠ Credit Card

  • Get this card if: You want simple cashback rewards.

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

  • Get this card if: You want best for cashback rewards.

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

  • Get this card if: You like to travel.

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

How to compare Chase Ink cards

Which other providers should I compare for business credit cards?

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.

    Amex is an excellent choice for cobranded hotel and airline business credit cards.

    Its own business cards generally offer tiered rewards, which can be helpful if your business spending aligns with certain bonus categories. For example, the American Express® Business Gold Card offers 4x points in categories like US gas stations, US shipping and select US advertising on the first $150,000 in combined purchases in two bonus categories each calendar year (then 1x points).

Consider a business card from another brand

American Express® Business Gold Card

  • 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.*
  • MORE REWARDS: Get 4x Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,200.*
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManager℠, receive a Year-End Summary, and more.*
  • *Terms apply
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Compare all business credit cards

Name Product Rewards Purchase APR Annual Fee
N/A
0% for the first 20 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
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
0% for the first 15 months (then 14.49% to 21.49% variable)
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
12x points at Hilton, 6x points on select business and travel 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. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
0% for the first 6 months (then 17.99% to 26.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn 70,000 bonus miles after you make $4,000 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. Rates & fees

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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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