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 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

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 backAll eligible purchases Earn 2.5% total cash back on purchases of $5,000 or more.2% cash backAll 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

- 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
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.
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:
- 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 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.
- 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 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 |
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.