Our pick for a Chase Ink card: Ink Business Unlimitedâ„ Credit Card

Up to 1.5%
Signup bonus after spending $7,500 in first 3 months
- $750 signup bonus after spending $7,500 in the first 3 months
- Intro purchase APR for 12 months
- No annual fee
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:
Ink Business Cash℠Credit Card | Ink Business Unlimited℠Credit Card | Ink Business Preferred® Credit Card | |
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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 |
Annual fee | $0 | $0 | $95 |
Points transfer | N/A | N/A | 1:1 |
Travel insurance |
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Other perks |
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Extended warranty |
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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.
★★★★★
Annual Fee | $0 |
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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 |
★★★★★
Annual Fee | $0 |
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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 |
★★★★★
Annual Fee | $95 |
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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 |
Yes. But you need to have an income as a freelancer or by running an online shop outside of your employment. If you apply for a credit card without a business, 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.
Many banks offer business credit cards, but American Express and Capital One tend to give Chase a run for its money.
The Blue Business® Plus Credit Card from American Express | American Express® Business Gold Card | The Business Platinum Card® from American Express | Brex 30 Card | |
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Rewards | 2x points on the first 50,000 on all purchases each year, 1x points after reaching the cap | Earn 4x points on the first $150,000 each year on select two categories where you spend the most each billing cycle, 1x points after reaching the cap. Earn 1x points on all other purchases |
| Make Brex for Startups your exclusive business card and earn:
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Welcome offer | None. | Earn 35,000 points after you spend $5,000 in your first 3 monthss | Earn 85,000 points after you spend$15,000 in your first 3 months | Up to $50,000 in value for partner services, such as: $5,000 credits in Amazon Web Services (AWS) 25% off 12 months of eligible Slack plans 20% discount on Zoom annual subsctiprion 50% off on Dropbox purchases $1,500 of Snapchat ads credit |
Other perks |
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Annual fee | $0 for main cardholder and employee cards | $295 | $595 | $0 for the first 5 cards, $5 annually for every additional card |
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
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