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

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.

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Name	Product	Rewards	Purchase APR	Annual Fee
Ink Business Preferred℠ Credit Card		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®	Apply now View details	Compare	loading Fetching your data...
Ink Business Unlimited℠ Credit Card		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	Apply now View details	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card		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	Apply now View details	Compare	loading Fetching your data...

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Best Chase Ink credit cards

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%.

• The perks

  • 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 1-800-847-2869 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.

• What to watch out for

  • You can lose points.

    Your points don’t expire, but you can lose them if you don’t make the minimum payment within 60 days of when its due.

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%.

• The perks

  • 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 1-800-847-2869 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.

• What to watch out for

  • You can lose points.

    Try to make your payments on time. Otherwise, if you fail to make a minimum payment within 60 days, you may lose all of your points.

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.

• The perks

  • 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 $3,000, 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.

• What to watch out for

  • Balance transfer limits.

    You can perform up to three balance transfers with this card, and they can’t exceed your credit limit or $15,000, whichever is lower. However, Chase won’t accept balance transfers from other accounts or loans that Chase has issued to you.

  • High balance transfer fees.

    You’ll pay $5 or 5% of each transfer, whichever is greater. If your requested balance transfer amount is $5,000, your fee will be $250. Other small business cards have fees of 3% to 4%.

  • You can lose points.

    If you don’t make the minimum payment within 60 days when its due, you’ll lose all of your points.

Is there a Chase Sapphire business card?

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Name	Product	Rewards	Purchase APR	Annual Fee
SimplyCash® Plus Business Credit Card from American Express		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.	Apply now View details	Compare	loading Fetching your data...
The Blue Business‎℠ Plus Credit Card from American Express		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.	Apply now View details	Compare	loading Fetching your data...
Ink Business Preferred℠ Credit Card		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®	Apply now View details	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card		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	Apply now View details	Compare	loading Fetching your data...
Ink Business Unlimited℠ Credit Card		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	Apply now View details	Compare	loading Fetching your data...
The Hilton Honors American Express Business Card		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.	Apply now View details	Compare	loading Fetching your data...
Gold Delta SkyMiles® Business Credit Card from American Express		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.	Apply now View details	Compare	loading Fetching your data...
American Express® Business Gold Card		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.	Apply now View details	Compare	loading Fetching your data...
The Business Platinum® Card from American Express		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.	Apply now View details	Compare	loading Fetching your data...
Business Green Rewards Card from American Express		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.	Apply now View details	Compare	loading Fetching your data...
The Plum Card® from American Express		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.	Apply now View details	Compare	loading Fetching your data...
Marriott Bonvoy Business™ American Express® Card		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.	Apply now View details	Compare	loading Fetching your data...
Delta Reserve for Business Credit Card		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.	Apply now View details	Compare	loading Fetching your data...
Platinum Delta SkyMiles® Business Credit Card from American Express		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.	Apply now View details	Compare	loading Fetching your data...
Brex for Startups		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.	Apply now View details	Compare	loading Fetching your data...
Brex for Ecommerce		N/A	None (Charge Card)	$0	60-day interest-free financing for e-commerce businesses.	Apply now View details	Compare	loading Fetching your data...

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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

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.