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How to choose between the 3 Chase Ink business credit cards
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.
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
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- Ink Business Unlimited℠ Credit Card: Best business card for simple cashback rewards
- Ink Business Cash℠ Credit Card: Best business card for cashback rewards
- Ink Business Preferred℠ Credit Card: Best business card for general travel rewards
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
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).
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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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