Chase Ink Business Credit Cards: An Overview

John Ganotis

John Ganotis | Blog

Apr 02, 2018 | Updated Apr 03, 2018

Chase Ink is Chase’s brand of small business credit cards. Over the years, Chase has offered several different types of Ink business cards. Currently, they offer two cards for small business owners to earn rewards on business expenses:

Card Annual Fee Highlights Foreign Transaction Fee
Ink Business Cash (Review) $0
  • Earns 1–5% cash back on purchases
  • Earns highest rewards on office suppliesinternet/cable/phone servicesgas, and at restaurants
  • 12-month 0% intro APR on purchases and balance transfers
3%
Ink Business Preferred (Review) $95
  • Earns 1-3 Ultimate Rewards points per dollar spent
  • Earns highest rewards on travel, shipping, internet/cable/phone services, and advertising purchases made with social media sites and search engines
  • Points are most valuable when redeemed for travel purchases
None
Chase Ink Business Cash Card
Apply Now

Chase Ink Business Cash Card

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 14.74%–20.74% Variable
Quick Card Facts
  • Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV 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
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee

The information for Chase Ink Business Cash Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Chase Ink Business Preferred Credit Card
Apply Now

Chase Ink Business Preferred Credit Card

For People with
Excellent Credit

  • Annual Fee: $95
  • Interest Rate: 17.49%–22.49% Variable
Quick Card Facts
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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 no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

The information for Chase Ink Business Preferred Credit Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Benefits

Both of these cards come with useful benefits like:

  • Up to 70 employee cards, for free, which can have individual spending limits (this is a great way to earn more rewards)
  • Building business credit, since they report positive payment activity to the Dun & Bradstreet business credit bureau
  • Purchase protection and extended warranty protection, in case something you buy breaks
  • A rental collision damage waiver, to provide some insurance for car rentals
  • Cell phone protection insurance
  • Fraud and zero liability protection, so you won’t have to pay for unauthorized purchases

Rewards

The main difference between the Ink cards is the rewards programs. The Ink Business Preferred is more of a travel credit card. It may be a good choice if your business spends a lot on travel, since you can more rewards points in that category and get more value per point when you redeem for travel purchases. The Ink Business Preferred also has no foreign transaction fee, making it a better fit for expenses outside the United States.

Chase Ink Business Cash Credit Card

The Ink Cash earns cash back rewards, which can be redeemed for statement credit. It earns:

  • 5% cash back on the first $25,000 spent each year:
    • at office supply stores
    • on internet, cable, and phone services
  • 2% cash back on the first $25,000 spent each year:
    • at gas stations
    • at restaurants
  • 1% cash back on all other purchases
  • Sign-up bonus offer: $300 bonus cash back for spending $3,000 on purchases in the first 3 months after account opening

To get the full cash back value, we recommend you redeem as a statement credit. You can technically redeem the cash rewards you earn with this card for gift cards, for example, but you may not get the full cash back equivalent value you would when you redeem for statement credit.

Chase Ink Business Preferred Credit Card

The Ink Preferred earns Chase Ultimate Rewards points. It could be considered a travel rewards card, since it’s most valuable when you redeem your points for travel, although you can also redeem them for cash back. The Ink Business Preferred earns:

  • 3 points per $1 spent on the first $150,000 spent per year in combined purchases in these categories:
    • travel
    • shipping
    • internet, cable, and phone services
    • advertising purchases made with social media sites and search engines
  • 1 point per $1 spent on all other purchases
  • 25% point bonus when you redeem through Chase Ultimate Rewards for travel
  • Sign-up bonus offer: 80,000 bonus points for spending $5,000 in the first 3 months from account opening

You can redeem these points several different ways, but we recommend redeeming through the Chase Ultimate Rewards portal or transferring points to a partner airline to get the highest value for them. We’ve calculated this card can earn the equivalent of up to 3.75% cash back when points are redeemed through Chase Ultimate Rewards. Or, by transferring points to a partner program we’ve found the equivalent of up to around 6% cash back or more. When you redeem the points for cash back as a statement credit, you’ll only get 1¢ per point, so that’s only the equivalent of up to 3% cash back.

If you’re a business owner looking for a new card, one of these may be for you. To explore other options, check out our favorite business credit cards.
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