Chase Ink Business Credit Cards Comparison
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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 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

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:
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

Rewards:
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

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:
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

Rewards:
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:
- 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.
- 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.
- 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.
- 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 Bonus | Earn $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 opening | Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. |
Cash Back | Up to 2.5% | Up to 3x points | Up to 5% | 1.5% |
Annual Fee | $195 | $95 | $0 | $0 |
Learn More | Learn More | Learn More | Learn 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.
Related Articles
- Ink Business Cash® Credit Card vs. Ink Business Premier Credit Card
- Ink Business Preferred® Credit Card vs. Ink Business Cash® Credit Card
- Ink Business Preferred® Credit Card vs. Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card vs. Ink Business Unlimited® Credit Card
- Ink Business Preferred® Credit Card vs. Ink Business Premier Credit Card