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Compare the three Chase Ink business credit cards

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

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.
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.
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 $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Southwest® Rapid Rewards® Premier Business Credit Card
NEW! Earn 4X points on Southwest® purchases.
Earn 3X points on Rapid Rewards® hotel and car partners.
NEW! Earn 2X points on rideshare.
Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
4 Upgraded Boardings per year when available.
Global Entry or TSA Pre%u2713® Fee Credit.
15.99% to 22.99% variable
$99
Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
From 22.99% variable
$199
75,000 Bonus Points after you spend $7,500 on purchases in your first 3 months ​from account opening
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Compare up to 4 providers

The three Chase Ink cards — the Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card and Chase Ink Business Preferred® Credit Card — are similar in the sense that they all earn points within the Chase Ultimate Rewards program and they all come with a welcome offer. But to choose the right Chase Ink card for your business, consider which reward categories are most important for you and whether you want to use a 0% intro APR period on purchases to stack up inventories.

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 CardInk Business Unlimited® Credit CardInk Business Preferred® Credit Card
Who’s it best for?Businesses that spend heavily on office suppliesBusinesses that spend on variety of categoriesBusinesses that spend heavily on travel and online ads
Rewards rate5% 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 membership100,000 bonus points when you spend $15,000 in your first 3 months of card membership
Annual fee$0$0$95
Points transferN/AN/A1:1
Travel insurance
  • Auto rental collision damage waiver
  • Travel and emergency assistance services
  • Roadside dispatch
  • Auto rental collision damage waiver
  • Travel and emergency assistance services
  • Roadside dispatch
  • Auto rental collision damage waiver
  • Travel and emergency assistance services
  • Roadside dispatch
Other perks
  • Purchase protection
  • Extended warranty
  • Purchase protection
  • Extended warranty
  • Purchase protection
  • Extended warranty
  • Cell phone protection

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 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.

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.

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