Which Chase Ink Business Card Should I Get?

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The Chase Ink Business cards hold a special place in the wallet of many points and miles fans. Part of the popular Ultimate Rewards earning family of credit cards, the Ink cards allow cardholders to earn up to 5x Ultimate Rewards points per dollar spent on business expenses, which you can combine with points earned on personal cards like the Chase Freedom®, Chase Freedom Unlimited®, Chase Sapphire Preferred® Card, and Chase Sapphire Reserve®.

In this post, we’re lining the Ink Business cards up side-by-side, comparing the key features, welcome offers, bonus categories, travel and purchase protections, and annual fees, alongside a few tips to help you decide which card best fits your business needs.

Ultimate Rewards Hero Image

Ink Business Unlimited℠ Credit Card

  • Welcome bonus: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earning structure: Earn unlimited 1.5% cash back on every purchase made for your business
  • Annual fee: $0

Key Details: The latest card to join the Ink Business roster of rewards cards. As a standalone product, points earned with your Ink Business Unlimited can be redeemed for 1¢ per point as cash back, merchandise, gift cards, or directly towards travel reservations. However, if you combine your Ultimate Rewards with a card or account offering a higher fixed-value redemption value and the ability to transfer points to travel partners, you can get a much better return for your points.

This card has the highest base earn rate on non-bonus spend of the three cards listed, making it the perfect card for everyday business expenses that aren’t covered under bonus categories on other cards.

Ink Business Cash℠ Credit Card

  • Welcome bonus: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earning structure: 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.
  • Annual fee: $0

Key Details: A stalwart of the Ultimate Rewards family of cards, the Ink Cash earns up to 5x Ultimate Rewards for every dollar spent on some of the most popular bonus categories offered to small and medium business owners. Similar to the Ink Business Unlimited, points are worth 1¢ per piece unless combined with points from an Ultimate Rewards earning card that charges an annual fee which opens up transfers to travel partners, and a fixed-rate redemption value of between 1.25/1.5¢ per point dependent on other Ultimate Rewards cards you hold. The Ink Cash packs some premium bonus categories, and you’ll pay no annual fee!

Ink Business Preferred℠ Credit Card

  • Welcome bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Earning structure: 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 purchases-with no limit to the amount you can earn.
  • Annual fee: $95

Key Details: The only current Ink card to carry an annual fee, the Ink Preferred offers perks and an earning structure that warrant the out of pocket expense of holding the card, particularly when you factor in the higher welcome bonus, one of the best offers currently available. If you maximize the 3x bonus categories, you can add up to 450K Ultimate Rewards points to your account each year, enough to launch you anywhere in the world roundtrip in First Class, more than once if used wisely. Compared to the two no-annual-fee cards, the Ink Preferred also comes with some added travel and purchase protections including essentials like Trip Delay cover and Cell Phone protection.

Comparing Perks and Travel/Purchase Protections

All three cards share a similar set of travel and purchase protections which include:

  • Primary CDW/LDW Auto Insurance – Worldwide when renting for business purposes
  • Extended Warranty – Up to 1 additional year on warranties of 3 years or less
  • Purchase Protection – Against theft or damage for 120 days, up to $10K per claim and $50K per the calendar year
  • Lost Luggage – Up to $3K per person, plus up to $500 per person for high-value items like jewelry and electronics
  • Baggage Delay – Min 6-hour delay, $100 per day for max 3 days (5 days on Ink Preferred)
  • Travel Accident Insurance – Up to $500K per person
  • Roadside Dispatch – A dispatch service but you are responsible for any associated costs

The Ink Preferred also adds additional coverage:

  • Trip Cancelation and Trip Interruption Insurance – Up to $5K per trip
  • Trip Delay – Min 12-hour delay or overnight stay, $500 max per ticket
  • Cell Phone Protection – Up to $600 per claim, $100 deductible

You’ll pay no foreign transaction fees when traveling overseas with the Ink Preferred, which is not the case with the two no-annual-fee cards.

You Can Hold More Than One Chase Ink Card

Keep in mind that if you don’t already hold other Ultimate Rewards earning credit cards that allow you to transfer points to travel partners, we 100% recommend getting the Ink Preferred over its no-annual-fee business stablemates. You can achieve much higher redemption values than the standard 1¢ per point when transferring points to travel partners like Hyatt, Singapore KrisFlyer, United MileagePlus, and Virgin Atlantic Flying Club.

If you already have the Ink Preferred or another card that allows you to transfer to partners, then the decision boils down to which categories the majority of your business spending falls.

Chase Ink Card Application Restrictions

In addition to the typical application restrictions that apply to credit cards, the majority of Chase cards are subject to the 5/24 policy. Essentially, if you’ve been approved for 5+ cards in the previous 24 months, it’s a near certainty you’ll be turned down for Chase cards that fall under the 5/24 application restrictions. However, these Chase business cards won’t add to your 5/24 count.

If you have a use case for all three Chase Ink Business cards, there is nothing to prevent you from adding all three to your business card portfolio of rewards-earning credit cards. You can get all three without taking a hit on your 5/24 count, and there is currently no rule limiting applicants to one card within the Ink family of cards like that introduced for the Sapphire consumer cards.

Final Thoughts

The Ink Business cards from Chase can add hundreds of thousands of points to your account each year, taking advantage of business expenses to help you amass a substantial balance of points you can combine with points earned on personal Ultimate Rewards earning cards. Got a favorite Ink Business card? Let us know which one and why in the comments below.

Which Chase Ink Business Card Should I Get?
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