Chase Ink Business Credit Cards Comparison

ByGail Kellner

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Chase is currently offering some great signup bonuses and ongoing rewards on its Ink line of business credit cards. These cards are a good choice for business owners at any time but now is a particularly good time to apply if you haven't already. Here's how the Chase Ink business cards compare.

Chase Ink Business Credit Cards

Chase Ink cards come in four flavors. Three of them pay rewards in cash; one in points. Well, sorta. Three enable you to earn Chase Ultimate Rewards that can be converted to cash or used for travel; and one, while it does earn Ultimate Rewards, you can't transfer those rewards to other partners. Two have no annual fee, and the other two do. The card best for your business will depend on how you'll use it. And in some cases, it may make sense to get two Chase Ink cards.

Here are the details:

Chase Ink Business Credit Cards

Ink Business Premier℠ Credit Card 

Best for Welcome Bonus

Ink Business Premier℠ Credit Card is a newly launched business card from Chase. It's actually a charge card, which means you pay your balance in full every month, although some purchases do qualify for pay over time. It offers 2.5% cash back on purchases over $5,000 and 2% on purchases under that amount.

One odd quirk of this card is that although it does earn Chase Ultimate Rewards points, you can't transfer the points to Chase's travel partners. This makes them much less flexible and possibly less valuable than the points you earn with other Chase cards.

Rewards:  

2% cash back
All eligible purchases
Earn unlimited 2% cash back on all other business purchases.
2.5% cash back
All eligible purchases
Earn 2.5% total cash back on purchases of $5,000 or more.
5% cash back
Travel
Earn 5% cash back on travel purchased through Chase Ultimate Rewards.

Signup Bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Annual Fee: $195

Read our Ink Business Premier℠ Credit Card Review

Ink Business Cash® Credit Card

Best for Cash Back Rewards

The Ink Business Cash® Credit Card combines a generous signup bonus with up to 5% cash back. Here it's important to examine the 5% categories to make sure you can take full advantage of them. The card pays this rate on the first $25,000 spent each account anniversary at office supply stores and on internet, cable, and phone service. You'll also earn 2% of the first $25,000 each anniversary year at gas stations and restaurants.

Rewards:

1% cash back
On all other eligible purchases
2% cash back
Dining
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
2% cash back
Gas
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
5% cash back
Select Categories
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

Signup bonus: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

0% Intro APR: 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR of 18.49% - 24.49%.

Annual fee: $0

Read our Ink Business Cash® Credit Card Review

Ink Business Preferred® Credit Card

Best for Travel Rewards

Next is the Ink Business Preferred® Credit Card, which offers the highest signup bonus of the three Chase business credit cards. You can earn signup bonus points and points are worth 25% more when you redeem them for travel through Chase. The other two cards don't offer this extra value, but there is a strategy to change that (see below).

The reward structure makes this card ideal for small businesses that travel a lot or advertise online. That's because it pays 3x points on the first $150,000 spent each anniversary year in the following categories:

  • Travel
  • Shipping purchases
  • Internet, cable, and phone services
  • Advertising purchases with social media sites and search engines

Rewards:

1x points
On all other eligible purchases
Earn 1 point per $1 on all other purchases
3x points
All eligible purchases
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

Signup bonus: New Cardmember Offer! Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Annual fee: $95

Read our Ink Business Preferred® Credit Card Review

Ink Business Unlimited® Credit Card

Best for Cash Back

The Ink Business Unlimited® Credit Card is ideal for those looking for a solid card with simple rewards. The card offers a signup bonus, 1.5% cash back, and a 0% APR introductory rate. This card offers the simplest reward structure. There are no categories to worry about, you'll just earn 1.5% on all purchases.

Rewards:

1.5% cash back
All eligible purchases
1.5% cash back on all eligible purchases with no limits to the amount you can earn

Signup bonus: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

0% Intro APR: 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR of 18.49% - 24.49%.

Annual fee: $0

Read our Ink Business Unlimited® Credit Card Review

What is the Best Chase Ink Business Credit Card?

So which of these offers is best for you? That depends on what you need.

The key to deciding is to ignore the signup bonuses for a moment. Instead, work through the following questions:

  1. Will you take advantage of the 5% and 2% rewards cards of the Ink Business Cash? If yes, this card makes a lot of sense.
  2. Will you travel a lot or advertise online? If the answer is yes to either, the Ink Business Preferred card is the way to go.
  3. If you answer yes to both questions above, then I'd get both cards. You can then transfer the points you earn from the Ink Business Cash over to the Ink Business Preferred and get the 25% bonus on travel booked through Chase.
  4. If you answer no to the above three questions, the flat 1.5% cash back of the Ink Business Unlimited is probably the best card.

Whatever you decide, it's important to earn the bonus if you can.

Compare Chase Ink Business Credit Cards

Ink Business Premier℠ Credit Card 

Ink Business Preferred® Credit Card 

Ink Business Cash® Credit Card 

Ink Business Unlimited® Credit Card 

Signup BonusEarn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

New Cardmember Offer! Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account openingEarn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Cash BackUp to 2.5%Up to 3x pointsUp to 5%1.5%
Annual Fee$195

$95$0$0
Learn MoreLearn MoreLearn MoreLearn More

FAQs

Which Chase Ink Business Credit Card is Best?

The answer will depend entirely on how you use the card. For travel and online advertising, the Ink Business Preferred is best. For office supplies, internet, phone, restaurants, and gas stations, the Ink Business Cash is the best offer. For everything else, the Ink Business Unlimited is ideal.

Do all Chase Ink Business cards earn Chase Ultimate Rewards?

Yes. Although three of the cards are marketed as cash back, all four earn Chase Ultimate Rewards. However, the Ink Business Premier℠ Credit Card does not allow for points to be transferred to partners.

Do all Chase Ink Business cards offer a bonus on points redeemed for travel?

No. Only the Ink Business Preferred offers a 25% bonus when points are redeemed for travel through Chase. Cardholders can transfer points from the other Ink cards to the Preferred to take advantage of the bonus.

Final Thoughts

The best business credit card is the one that fits your needs the best. There really isn't one “best” business card, but each card has something to offer. Consider your business, your goals, and your needs, and then choose the card that offers the best return on your spending.

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Gail Kellner is an editorial assistant and contributing writer for Allcards.com and DoughRoller.net. According to family lore, money was one of her first words (“Mun-ya”) and ever since then, she’s been fascinated with money and investing. She has a B.A. in Psychology from Western CT State University and an M.S. in College Student Personnel from Indiana State University. She lives with her husband, two sons, and various fur-children in Westfield, MA. In her spare time, she writes YA and children’s fiction, reads, and enjoys a good nap.