• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
Credit Card and banking reviews

AllCards.com

Credit Cards, Banking, and Cash Back

  • Best Credit Cards
    • Best Overall Credit Cards
    • Interest Free Credit Cards
    • Balance Transfer Credit Cards
    • Secured Credit Cards
    • Student Credit Cards
    • Metal Credit Cards
  • Cash Back Cards
    • Credit Card Signup Bonuses
    • Best Business Credit Card Signup Bonuses
    • Groceries
    • Streaming Services
  • Cards by FICO Score
    • 500 – 600
    • 600 – 650
    • 650 – 700
    • 700 to 750
  • Compare Cards
    • Ink Business Cash vs. Ink Business Unlimited
    • Chase Sapphire Preferred vs. The Amex Platinum Card
    • Citi® Double Cash vs. Discover It
    • Chase Sapphire Preferred vs. Blue Cash Preferred
    • Citi Double Cash vs. Citi Custom Cash
    • Ink Business Cash vs. Ink Business Premier
    • Capital One Venture vs. Capital One Quicksilver
    • Chase Freedom Unlimited vs. Chase Sapphire Preferred
    • Citi Custom Cash vs. Discover It
    • Citi Custom Cash vs. Blue Cash Everyday
  • Banking
    • Best Interest Rates
    • Savings Accounts
    • Money Market Accounts
    • Free Checking Accounts
    • High Yield Checking Accounts
    • Business Checking Accounts
    • Bank Accounts for Kids & Teens
    • Best Online Banks
    • Best Bank Bonuses
  • Bank CD Rates
    • No-Penalty CD Rates
    • 3-Month CD Rates
    • 6-Month CD Rates
    • 1-Year CD Rates
    • 18-Month CD Rates
    • 2-Year CD Rates
    • 3-Year CD Rates
    • 4-Year CD Rates
    • 5-Year CD Rates
  • Calculators
    • Emergency Fund Calculator
    • CD Interest Calculator
    • Savings Calculator
    • Credit Card Payoff Calculator
    • Debt Payoff Calculator
    • Loan Payment Calculator
You are here: Home / Credit Cards / Comparison / Chase Ink Business Credit Cards Comparison

Chase Ink Business Credit Cards Comparison

June 14, 2022 by Abby Hayes

Chase is currently offering some great signup bonuses and ongoing rewards on its Ink line of  business credit cards. These cards can be a good option for small business owners anyway, but these deals are making it even better. 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. All three enable you to earn Ultimate Rewards that can be converted to cash or used for travel. Two have no annual fee, but the other two do have one. 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

New Business Card! Ink Business Premier(SM) Credit Card 

New Business Card! Ink Business Premier(SM) Credit Card offers one of the highest cash back bonuses out there: you get $1,000 bonus cash back when you spend $10,000 in the first 3 months after account opening. You'll also get 2.5% cash back on large purchases (over $5,000) and 2% cash back on all other purchases. Keep in mind this is a pay-in-full card, which means you need to pay your balance in full every month, although some purchases can be paid over time.

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 that the points you earn with other Chase cards.

  • Annual Fee: $195
  • Signup Bonus: Get $1,000 bonus cash back after you spend $10,000 in the first 3 months.
  • Rewards:  
    5% cash back
    Travel
    Earn 5% cash back on travel purchased through Chase Ultimate Rewards.
    2.5% cash back
    All eligible purchases
    Earn 2.5% total cash back on purchases of $5,000 or more.
    2% cash back
    All eligible purchases
    Earn unlimited 2% cash back on all other business purchases.

Read our New Business Card! Ink Business Premier(SM) Credit Card Review


Ink Business Cash® Credit Card

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.

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
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.
1% cash back
On all other purchases
  • Annual fee: $0
  • Signup bonus: $750 after spending $6,000 in the first 3 months
  • 0% Intro APR: 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR of 17.74% - 23.74%.

Read our Ink Business Cash® Credit Card Review

Ink Business Preferred® Credit Card

Next is the Ink Business Preferred® Credit Card, which offers the highest signup bonus of the three Chase business credit cards. You can earn 100,000 bonus points, which is worth $1,250 in travel rewards when redeemed through Chase Ultimate Rewards.

It's worth this much because with the Ink Business Preferred, you get a 25% bonus when you redeem points for travel through Chase. The other two cards don't offer this bonus, but there is a strategy to change that (see below).

The reward structure makes this card ideal for small business 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
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.
1x points
On all other purchases
Earn 1 point per $1 on all other purchases

Annual fee: $95
Signup bonus: $100,000 after spending $15,000 in the first 3 months
0% Intro APR: 0% for months from the date of account opening, then a variable APR of 20.49% - 25.49%.

Read our Ink Business Preferred® Credit Card Review

Ink Business Unlimited® Credit Card

The third option is ideal for those looking for a solid card with simple rewards. The Ink Business Unlimited® Credit Card offers a $750 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, just 1.5% on all purchases.

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

Annual fee: $0
Signup bonus: $750 after spending $6,000 in the first 3 months
0% Intro APR: 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR of 17.74% - 23.74%.

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 question 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

 New Business Card! Ink Business Premier(SM) Credit Card 

 Ink Business Preferred® Credit Card 

Ink Business Cash® Credit Card 

Ink Business Unlimited® Credit Card 

Signup Bonus$1,000 bonus cash

100,000 bonus points$750 bonus cash$750 bonus cash
Cash BackUp to 2.5%Up to 3x pointsUp to 5%1.5%
Annual Fee $195

$95$0$0
Learn MoreLearn MoreLearn MoreLearn More

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 two of the cards are marketed as cash back, all three earn Chase Ultimate Rewards.

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.

Primary Sidebar

Advertiser Disclosure

AllCards has partnered with CardRatings for our coverage of credit card products. AllCards and CardRatings may receive a commission from card issuers.

Featured High Yield Bank Accounts

12-month CD via SaveBetter
APY: 5.01%

27-month CD via SaveBetter
APY: 5.15%
12-month No Penalty CD via SaveBetter
APY: 4.60%

Preferred Savings
APY: 5.02%

 

Credit Cards by Category

  • Balance Transfer
  • 0% APR Cards
  • Cash Back
  • Travel
  • Miles
  • Business
  • Gas Rewards
  • Supermarket Credit Cards
  • Secured Credit Cards
  • Student Credit Cards
  • Prepaid Debit Cards

Credit Cards by Credit Score

  • 700 – 749
  • 650 – 700
  • 600 – 650
  • Under 600

Banking

  • Best Online Banks
  • Best Online Savings Accounts
  • Best CD Rates
  • Best Checking Accounts

Credit Cards by Issuer

  • American Express
  • Capital One
  • Chase
  • Citibank
  • U.S. Bank
  • Wells Fargo

Rate Disclosure

We work hard to make sure the information on this site is accurate. There is no guarantee, however, that it is. So please confirm rates, terms, and all other information directly with the bank, credit union, credit card issuer, or other financial institution before opening an account or otherwise making a financial decision.

About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

  • Best Credit Cards of 2022
  • 0% Credit Cards
  • Best Cash Back Credit Cards
  • Best Travel Rewards Credit Cards
  • Credit Cards with Signup Bonuses
  • About
  • Contact
  • Privacy Policy
  • Terms of Use
  • RSS Feed

© 2022 A.R. Roberts LLC All Rights Reserved

Advertising Disclosure: allCards.com is an independent, advertising-supported blog offering financial product comparisons. We are compensated when users click links to or apply for sponsored financial products including, but not limited to, credit cards or bank/brokerage accounts. Credit card reviews and listings express the opinions of the author alone, and not those of any credit card issuer. The content has not been reviewed, approved or otherwise endorsed by the credit card advertisers. This compensation may impact how or where links appear on this site. This site does not include all available financial companies or offers.

Banking Content Disclosure: Content is not provided or commissioned by the bank advertiser(s). Opinions expressed here are author's alone, not those of the bank advertiser(s), and have not been reviewed, approved or otherwise endorsed by the bank advertiser(s). This site may be compensated through the bank advertiser(s) Affiliate Program(s).