How to choose between the 3 Chase Ink business credit cards

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

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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.

How to compare Chase Ink Cards

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: the Ink Business Unlimited℠ Credit Card, Ink Business Cash℠ Credit Card and Chase Ink Business Preferred℠ Credit Card. Here are the key factors you’ll want to compare when choosing one:

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

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

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

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.










  



  



  


Our pick for a Chase business card

Ink Business Unlimited℠ Credit Card

  • No annual fee.
  • Signup bonus: $500 cash back after you make $3,000 in purchases within the first 3 months of opening your account.
  • Unlimited 1.5% cash back on all purchases.
  • 0% intro APR on purchases for 12 months from account opening, then 15.24% to 21.24% variable.
  • No extra cost for employee cards.
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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).

Compare all business credit cards

Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.99% to 22.99% variable
$95
100,000 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®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
29.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
2x miles on Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe. Rates & fees

Compare up to 4 providers

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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