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Chase's Ink business cards are currently running record-high signup offers, allowing business owners to earn up to 100,000 transferable points!
These are some of the most sought after rewards cards for business owners. They offer an excellent return on spending, and top purchase and travel protection benefits.
In this post, we line the three Ink cards up for a side-by-side comparison to help you determine which card best suits your business spending. Or whether you could benefit from holding two (or more) of these top small business cards.
Ink Business Card Signup Bonus and Annual Fees
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Annual Fee$0
Welcome Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Features a $750 cash back signup bonus, and you earn 5% cash back on a select range of business expenses on the first $25,000 spent each year.- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- 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
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- 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 on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- 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
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- 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 on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Annual Fee$0
Welcome Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $7,500 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn unlimited 1.5% cash back on every purchase made for your business
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn unlimited 1.5% cash back on every purchase made for your business
The Ink Cash and Ink Unlimited are marketed as cashback cards. However, they technically earn Ultimate Rewards points. When used as standalone products, you can redeem these points for 1¢ per point as a statement credit. Alternatively, cardholders can redeem points for travel through the Chase Travel Portal.
If you also hold the Ink Business Preferred® Credit Card, the Sapphire Preferred, or the Sapphire Reserve, you can combine points earned across all your Ultimate Rewards earning cards. That unlocks new potential for these points. You can redeem them for a higher fixed-value through the Chase Travel Portal. Or, you can transfer points to travel partners to achieve even higher returns.
That means—if you hold an Ultimate Rewards' earning card that charges an annual fee—you can think of the $750 signup bonus on the Ink Cash and Ink Unlimited as 75,000 Ultimate Rewards points. That's is an exceptional bonus for cards that don’t charge an annual fee.
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Annual Fee$95
Welcome Offer
Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- $95 Annual Fee
- 3X 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 point per $1 on all other purchases
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- $95 Annual Fee
- 3X 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 point per $1 on all other purchases
The 100,000-point signup bonus available to new Ink Preferred cardholders is worth $1,000 if redeemed as cashback. If you use these points to redeem through the Chase Travel Portal at 1.25¢ per point, that value is boosted to $1,250.
However, the value of this sign-up bonus is potentially much higher if transferred to travel partners. How much more exactly? Well, that depends on how you use the points.
For example, we recently showed you how to get over 10¢ per mile from United MileagePlus miles. While that's an extreme example, it's reasonable to get 2-4¢ per mile from good redemptions. If you were able to maximize your points like this, the signup bonus on the Ink Preferred would net you thousands of dollars in value.
Even taking into account the $95 annual fee, the signup bonus on the Ink Preferred provides a lot more value than the no annual fee Ink cards.
Earning Potential and Bonus Categories
An area where the Ink cards are ultra-competitive is the return you get on your business expenses. They feature practical bonus categories where small business owners are likely to spend a fair portion of their operating budget.
Ink Business Cash® Credit Card
- 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. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Maxing out the 5% category on the Ink Cash would return $1,250 cashback to your pocket every year, or 125,000 Ultimate Rewards.
Ink Business Unlimited® Credit Card
- Earn unlimited 1.5% cash back on every purchase made for your business
The Ink Unlimited, on the other hand, is the workhorse of the Ink family of cards. Cardholders earn 1.5% on all spending. This is the card to swipe when there are no bonus categories on your other Ink cards.
Ink Business Preferred® Credit Card
- 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. Earn 1 point per $1 on all other purchasesâ€"with no limit to the amount you can earn.
The Ink Preferred takes things to a whole different level—which is what you’d expect from a card charging an annual fee. If you max out the $150K spending threshold, you stand to collect 450,000 Ultimate Rewards per year. When transferred to partners, that's enough for multiple trips in first or business class or a score of nights in luxury hotels.
The Ink Preferred also holds an advantage when redeeming points through the Chase Travel Portal. You'll receive a 25% bonus when using your points to book travel—a value of 1.25¢ per point.
Don't forget: you can combine points earned on Ink business cards with those earned from any other Ultimate Rewards card—including personal credit cards.
Feature Perks and Benefits
A number of the travel perks matchup between these cards, with all three featuring:
Plus, all three cards provide Primary Rental CDW insurance when renting for business purposes and secondary coverage when renting outside of work. In addition to these common benefits, the Ink Preferred offers comprehensive Trip Delay Reimbursement and Trip Cancellation & Interruption Insurance. Plus, the card charges no foreign transaction fees.
Additionally, the Ink Preferred provides one of the best cell phone protection plans we’ve come across. Cardholders are covered for up to $600 per claimable event with a $100 deductible. All you have to do is charge your monthly bill to the card.
Application Restrictions
The Ink cards are subject to Chase’s 5/24 policy. If you’ve opened 5 or more new personal credit cards in the past 24 months, Chase won’t approve your application. The good news is the Ink cards won’t count towards your 5/24 status, as they are business cards. Unlike Chase's Sapphire cards, there are no rules preventing you from obtaining all three Ink cards.
Folks applying for Chase cards will also want to be mindful of the 90-day policy. This policy only allows you to get 1 business and 1 personal card in any ninety-day period.
Don’t think you’ll qualify for a business card? You may be surprised! Check out our post on who can get a small business card.
Final Thoughts
If you pass Chase’s strict application criteria, it's worth considering applying for one or more of these Ink cards. These are high-value cards that can provide a huge return on your business spending, and all three cards are currently running record-setting welcome offers.
The signup bonuses on these cards offer outlandish value. The bonus categories are well structured and conducive to quickly racking up a significant balance of points. Plus—with two of the cards charging no annual fee—you'll only have to pay the $95 annual fee on the Ink Preferred to hold all three cards.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
I don’t understand Chase’s spending requirements logic. The CSP card has a 60K bonus for $4K spending and an annual fee of $95.00. The INK Business Preferred offers 100K but you have to spend $15K and an annual fee of $95.00 to receive ONLY 40K more UR points than the CSP card offer. The IBP card should be somewhere around 175-200K if you are required to spend an additional $11K.
Ink Business cash & INK Business unlimited require $7.5K spending for a $750.00 bonus and no annual fee. Chase’s offers are all over the place but maybe that’s how they want it..
Yes, the spending requirements are not directly proportional to the bonus amounts. Chase and others set the spend in a way they think will attract the “right” customers. (i.e. higher spend for business cards).
Meanwhile, I wonder when the AMEX bonus points will be substantially increased to compensate for the Skypeosos “devaluations.” 🙂
I got the Ink Preferred when it was 80k points and thought that I had done very well. I guess it can always get better. I don’t think I am in the market for another one of the cards right now as they do have excellent point offerings but for daily spend, the categories aren’t ones which I use a lot.
“[T]here are no rules preventing you from obtaining all three Ink cards.” Is this correct? That wasn’t my understanding. Of course, if you have separate businesses, it’s possible, but that’s not what that sentence implies. Thanks.
The rules for Ink cards are different than other Chase card families. For example, the Southwest credit cards have the restriction:
“The product is not available to either (i) current Cardmembers of any Southwest® Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months.”
But, the Ink cards have no similar restriction! The full text of the bonus terms are:
“100,000 Bonus Points
To qualify and receive your bonus, you must make Purchases totaling $15,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.”
I’m still trying to figure out the best way to use my current stash Ultimate Rewards. Not interested in another card with an annual fee.
Can’t go wrong with transferring to Hyatt. Incredible value to be found there.
7500 is a huge spend for some in 3 months on a card. Great 100k sign up bonus though!
I believe the minimum spend for the Chase Ink Preferred was only $4500 the year I got the card. Next for me: Chase Ink Business Cash.
We need Chase to expand to Latam now, I don’t want to lose any more promotions.
Still couple of months to go to clear Chase 5/24 rule.
You’ll need a minimum of $7500 in spend for a place at that table.
Chase is really offering good cards recently
I have all 3 of these cards. I started a second small business. Is it possible to be approved for a second Ink Cash (for example) or should I cancel one before applying for it again? It’s been a year since I’ve applied for any cards.
Hey Jane, I believe it is possible to have the same Ink card for two different businesses, assuming the EIN (biz tax ID) is different. I’m not aware of a firm rule about how much time would need to have elapsed since you opened the card for your other business. I’d expect a call to Chase might be required, and they may ask for some details about the businesses. Would love to hear back about your experience if you move forward.
Very Interesting! Knowing how to combine rewards is always helpful.
IMHO Chase cards are still the best in combination for travel points
I think it is very unlikely Chase would approve a small business for all three cards. Thus, I think the Ink Preferred is the one to get given its benefits and the ability to transfer UR points to travel partners.
Robert, Chase might not approve all three cards if applied for in close succession, but they definitely allow qualified applicants – who space out their applications – to own all three cards simultaneously.
@Friode, thanks for perking up and confirming that one can indeed own all three cards at the same time. I totally understand @Robert’s hesitancy to believe this, but the terms are clear in that they don’t prohibit it and now we have real world testimony as well.
Say you want to apply for a Chase credit card and you have “locked” your credit reporting with the big three credit bureaus, do you have unlock all three or does Chase just use just one, specific bureau?
Hey Jeff, this is a hard question to answer definitively. As I understand it, a bank may pull from different bureaus for different cards. Sometimes, the state in which you live may also be a factor. For example, a bank might pull TransUnion for TX and CA residents, but Equifax for NY and FL residents.
You can find self-reported info about credit pulls for specific cards here: https://creditboards.com/forums/index.php?/creditpulls/