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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 or you could combine these cards and maximize your rewards.
There are three Chase Ink cards, each geared toward different types of businesses: the Ink Business Unlimitedâ„ Credit Card, Ink Business Cashâ„ Credit Card and Chase Ink Business Preferred® Credit Card. Here’s how these cards compare:
Ink Business Cashâ„ Credit Card
Ink Business Unlimitedâ„ Credit Card
Ink Business Preferred® Credit Card
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
$500 cash back bonus when you spend $3,000 in your first 3 months of card membership
$500 cash back bonus when you spend $3,000 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
Auto rental collision damage waiver/li>
Travel and emergency assistance services/li>
Roadside dispatch/li>
Auto rental collision damage waiver
Travel and emergency assistance services
Roadside dispatc
Auto rental collision damage waiver
Travel and emergency assistance services
Roadside dispatc
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.
Businesses that want a simple rewards card could find the Ink Business Unlimitedâ„ 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%.
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 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.
Annual Fee
$0
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
$500 back after spending $3,000 in the first 3 months
Rewards
1.5% cash back on all purchases
Best for cashback rewards Ink Business Cashâ„ 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%.
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 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.
Annual Fee
$0
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
$500 cash back after spending $3,000 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
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.
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 $5,000, 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.
Annual Fee
$95
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
Do I qualify for a business credit card if I don’t have a business?
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.
Compare Chase Ink business cards
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Other business credit cards to consider
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. Similar to Chase’s Ultimate Rewards program, American Express has its own Amex Membership rewards. This is useful if your business spends a lot on categories like US gas stations, US shipping, select US advertising or travel.
The Blue Business® Plus Credit Card from American Express
American Express® Business Gold Card
The Business Platinum Card® from American Express
Brex for Startups
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
5x points on flights and prepaid hotels on amextravel.com
1.5x points on each eligible purchase of $5,000 or more (up to 1 million additional points per calendar year)
Make Brex for Startups your exclusive business card and earn:
7x points on remote collaboration tools (Zoom, Slack, Gong and Monday)
4x points on travel booked through Brex Travel
3x points on food delivery (Caviar, DoorDash, Uber Eats, Grubhub and Seamless)
2x points on software subscriptions
1x points on all other purchases
Welcome offer
Earn up to $300 in statement credit ($100 each) at Dell Technologies, DocuSign or FedEx after you make a purchase in the first 3 months of cardmembership.
Earn 35,000 points after you spend $5,000 in your first 3 monthss
Earn 75,000 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
12 months of 0% intro APR period on purchases, a variable 13.24% to 19.24% thereafter
Expense management tools
Travel insurance
No foreign transaction fees
Expense management tools
Travel insurance
Access to more than 1,200 lounges worldwide
$200 airline fee credit each year
Marriott and Hilton elite status tiers
Fine Hotels & Resorts benefits
No personal liability
High credit limit
Expense management tools
Annual fee
$0 for main cardholder and employee cards
$295
$595
$0 for the first 5 cards, $5 annually for every additional card
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 Cashâ„ Credit Card if you spend across several business categories or the simple Ink Business Unlimitedâ„ 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.
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.
Yes, if you don’t make the minimum payment within 60 days of its due date, you’ll lose all of your points.
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.
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
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