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The Chase Ink business cards all come with hefty welcome bonus supplies, and the best one depends mostly on how you spend and travel

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  • The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are offering record-high welcome bonuses for a restricted time.
  • With each card, you can earn $750 bonus cash once more after you spend $7,500 on purchases in the first 3 months from account opening.
  • The Ink Business Preferred® Credit Card stays to be offering 100,000 elements after spending $15,000 on purchases in the first 3 months from account opening.
  • Read Insider’s guide to the best small-business credit cards.

This merely in: All three Chase Ink Business credit score rating cards have eye-watering bonuses — and two of them are all-time highs:

Ink Business Cash® Credit CardInk Business Cash® Credit Card(highest-ever present)

Ink Business Unlimited® Credit CardInk Business Unlimited® Credit Card (highest-ever present)

Ink Business Preferred® Credit CardInk Business Preferred® Credit Card

With all these huge bonuses accessible, you is also questioning which of these business credit score rating cards would work larger to your needs. It truly depends on how you want to make use of the rewards you earn, the place your business spends the most money, and whether or not or not or not you must pay an annual worth.

We’re centered proper right here on the rewards and perks that come with each card. These cards is not going to be worth it if you’re paying curiosity or late fees. When using a financial institution card, it’s important to pay your stability in full each month, make funds on time, and solely spend what you can afford to pay.

Compare Chase Ink credit score rating cards 

 

Ink Business Unlimited℠ Credit Card

Ink Business Cash® Credit Card

Ink Business Preferred® Credit Card

Annual worth

Ink Business Unlimited® Credit Card

Ink Business Cash® Credit Card

Ink Business Preferred® Credit Card

Rewards cost

1.5% cash once more (1.5x elements) on all eligible purchases with no cap

5% cash once more (5x elements) at office present retailers and on net, cable, and cellphone corporations***

2% cash once more (2x elements) at gasoline stations and consuming locations***

1% cash once more (1x elements) on all completely different purchases

3x elements on transport purchases, selling purchases on social media web sites and search engines like google like google, net, cable, and cellphone corporations, and travel*

1x elements on all completely different purchases

Welcome bonus present

Ink Business Unlimited® Credit Card

Ink Business Cash® Credit Card

Ink Business Preferred® Credit Card

Card benefits

Primary automotive rental insurance coverage protection (when renting for business features)

Extended assure

Purchase security

Travel and emergency assist corporations

Roadside dispatch

Ink Business Unlimited® Credit Card, then a Ink Business Unlimited® Credit Card APR

Primary automotive rental insurance coverage protection (when renting for business features)

Extended assure

Purchase security

Travel and emergency assist corporations

Roadside dispatch

Ink Business Cash® Credit Card, then a Ink Business Cash® Credit Card APR

 

Primary automotive rental insurance coverage protection (when renting for business features)

Cell phone protection

Trip cancellation/interruption insurance coverage protection

Extended assure

Purchase security

Travel and emergency assist corporations

Roadside dispatch

No worldwide transaction fees

Rewards redemption decisions

 

Redeem rewards for cash once more, assertion credit score, merchandise, or travel by the use of Chase

Redeem rewards for cash once more, assertion credit score, merchandise, or travel by the use of Chase

Redeem rewards for cash once more, assertion credit score or merchandise; get 25% additional value when you redeem elements by the use of the Chase travel portal, or swap to Chase Ultimate Rewards airline and lodge companions

Review

Chase Ink Business Unlimited card review

Chase Ink Business Cash card review

Chase Ink Business Preferred card review

Who should take note of the Chase Ink Business Cash?

The Ink Business Cash® Credit Card stands out on account of it supplies additional rewards in customary business courses. Along with $750 bonus cash once more after you spend $7,500 on purchases in the first 3 months from account opening you’ll earn:

  • 5% cash once more (5 Chase Ultimate Rewards elements per buck) on the first $25,000 spent (then 1x) in blended purchases at office present retailers and on net, cable, and cellphone corporations each account anniversary yr
  • 2% cash once more (2 Chase Ultimate Rewards elements per buck) on the first $25,000 spent (then 1x) in blended purchases at gasoline stations and consuming locations each account anniversary yr 
  • 1% cash once more (1 Chase Ultimate Rewards stage per buck) on all completely different purchases with no cap

If you spend fairly a bit in the bonus courses, your rewards can add up shortly.

Another benefit of the Ink Business Cash® Credit Card is its introductory APR: Ink Business Cash® Credit Card (then a 13.24%–19.24% variable APR APR). This is good for small business homeowners who’ve payments they should repay over time. In phrases of benefits, perks you’ll get with this card embody primary rental car coverage when you lease a automotive for business features, purchase protection, extended assure, travel and emergency assist, and roadside dispatch.

Pros

  • No annual worth
  • Highest-ever welcome bonus present, worth a minimal of $900 (and in all probability quite extra)
  • Good benefits for a no-annual-fee credit card
  • Introductory Ink Business Cash® Credit Card

Cons 

Who is the Ink Business Cash best for?

The Ink Business Cash® Credit Card is best suited to small-business homeowners who don’t must pay an annual worth nevertheless must earn additional rewards at office present retailers and on net, cable, and cell phone service purchases yearly. If you don’t spend fairly a bit on these courses, the Ink Business Unlimited® Credit Card may be a extra good choice.

Who should take note of the Chase Ink Business Unlimited?

The Ink Business Unlimited® Credit Card is one other alternative to consider with no annual worth, although this card supplies a flat cost of rewards for each buck your business spends instead of bonus courses. Once you open the card, you’ll earn 1.5% cash once more (1.5 Chase Ultimate Rewards elements per buck) on all eligible purchases charged to your card. The rewards you can earn are uncapped — nevertheless the card doesn’t present bonus courses, each.

The card supplies the equivalent $750 bonus cash once more after you spend $7,500 on purchases in the first 3 months from account opening. Further, the equivalent Ink Business Unlimited® Credit Card applies, adopted by a 13.24%–19.24% variable APR APR.

If you’re anyone who’s raring to learn from cardholder benefits, you should additionally know that you’ll get the equivalent suite of perks with this card — main auto rental safety when you lease a automotive for business features, travel and emergency assist corporations, purchase security, extended assure, and roadside assist.

Pros

  • No annual worth
  • Highest-ever welcome bonus present, worth a minimal of $900 (and in all probability quite extra)
  • Easy incomes development (no courses to hint)
  • Introductory Ink Business Unlimited® Credit Card

Cons

  • No bonus rewards courses to maximise
  • You can’t swap your rewards to airline or lodge companions till you combine your elements with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card
  • Charges worldwide transaction fees

Who is the Ink Business Unlimited best for?

The Ink Business Unlimited® Credit Card is an environment friendly alternative for business homeowners who must earn flat-rate rewards with out an annual worth, significantly in the occasion that they spend fairly a bit in many alternative courses.

Who should take note of the Chase Ink Business Preferred?

If you’re intrigued about the Ink Business Preferred® Credit Card, you should know that it supplies additional perks on the travel entrance. You can use the Chase Ultimate Rewards elements you earn with the card to e-book travel by the use of the Chase Travel Portal just like the completely different cards, nevertheless you’ll get 25% additional value (1.25 cents per stage) to your rewards if you have this card instead.

Also, when you have the Ink Business Preferred® Credit Card, you’re able to transfer your points to airline and hotel partners like United Airlines, Air Canada, and Hyatt at a 1:1 ratio.

You can redeem the 100,000 elements you’ll earn for:

  • $1,000 in cash once more or assertion credit score
  • $1,250 in travel by the use of the Chase portal
  • 100,000 Hyatt points (enough for in all probability 1000’s of {{dollars}} in lodge stays)
  • 100,000 Southwest points (worth $1,400+ in free flights)
  • 100,000 Virgin Atlantic elements (in all probability enough for a round-trip business class flight to Europe on Delta)

This card moreover earns 3 elements per buck on as a lot as $150,000 spent yearly in customary business courses collectively with travel, transport purchases, net, cable and cellphone purchases, and selling with select social media and search engines like google like google, after which you’ll earn 1 stage per buck.

In phrases of cardholder benefits, the Ink Business Preferred® Credit Card supplies fantastic trip delay insurance, baggage delay insurance coverage protection, main rental automotive insurance coverage protection, and quite extra. Just keep in mind {{that a}} $95 annual worth applies.

Pros

  • Get 25% additional value for elements when you redeem them for travel by the use of the Chase portal
  • Transfer elements to airline and lodge companions for award travel
  • Qualify for added benefits like trip cancellation and interruption insurance and cell phone insurance coverage protection
  • Larger welcome bonus present
  • No worldwide transaction fees on purchases made exterior the US

Cons

  • Welcome bonus present has a extreme spending requirement of $15,000 inside three months 
  • Card moreover has cap on incomes cost for bonus courses
  • There’s a $95 annual worth that’s not waived for the first yr

Who is the Ink Business Preferred best for?

The Ink Business Preferred® Credit Card is a better alternative for anyone who travels, even often. You is not going to pay worldwide transaction fees, and you’ll get additional insurance coverage protection security for travel purchases.

You’ll moreover get 25% additional value when you redeem elements for travel by the use of Chase, and you open up tons of award travel prospects when you swap elements to airline and lodge companions.

Bottom line

Chase Ink credit score rating cards have not at all been additional enticing. Between all three card bonuses, there are tons of of 1000’s of Chase elements to be earned. And you may properly uncover that you’d like better than one form of Ink card. Each has numerous incomes fees that serve a particular part of your spending.

Just bear in mind, these are small-business cards. That means you ought to have a business to qualify, nevertheless it doesn’t needs to be a full-time enterprise or formal business like an LLC. If you dogsit on Rover, ship meals with DoorDash, or are a contract writer, you’re eligible to make use of for these cards.

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