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The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card recently came out with increased limited-time bonus offers. With either card, you can earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.Meanwhile, the Ink Business Preferred® Credit Card is offering 100,000 points after spending $15,000 on purchases in the first 3 months from account opening, worth $1,250 in travel when you book through the Chase Ultimate Rewards travel portal.Any of these small-business credit cards can be a good deal, but the right card for you depends on how your business spends and how you want to redeem your Chase Ultimate Rewards points.Read Business Insider’s guide to the best small-business credit cards.
Over the last few months, all three of the Chase Ink business credit cards have come out with the highest bonus offers we have ever seen. The Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card are offering $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Further, the Ink Business Preferred® Credit Card is offering an enormous bonus of 100,000 points after spending $15,000 on purchases in the first 3 months from account opening — worth $1,250 in travel booked through the Chase travel portal.
With all these huge bonuses available, you may be wondering which of these business credit cards would work better for your needs. It really depends on how you want to use the rewards you earn, where your business spends the most money, and whether or not you want to pay an annual fee.
Chase Ink Business Cash vs Unlimited vs Preferred: Comparison
Ink Business Cash® Credit CardInk Business Unlimited® Credit CardInk Business Preferred® Credit Card
Annual fee
$0
Annual fee
$0
Annual fee
$95
Rewards rate
5% cash back (5x points) at office supply stores and on internet, cable, and phone services*
2% cash back (2x points) at gas stations and restaurants*
1% cash back (1x points) on all other purchases
Rewards rate
1.5% cash back (1.5x points) on all purchases with no cap
Rewards rate
3x points on travel, shipping, phone/cable/internet, and search engine or social media advertising purchases**
1x points on all other purchases
Welcome bonus
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Welcome bonus
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Welcome bonus
100,000 points after spending $15,000 on purchases in the first 3 months from account opening
Foreign transaction fee
Yes
Foreign transaction fee
Yes
Foreign transaction fee
No
Rewards options
Redeem rewards for cash back, statement credits, merchandise, or travel through Chase
Rewards options
Redeem rewards for cash back, statement credits, merchandise, or travel through Chase
Rewards options
Redeem rewards for cash back, statement credits or merchandise;get 25% more value when you redeem points through the Chase travel portal, or transfer to Chase Ultimate Rewards airline and hotel partners
Ink Business Cash® Credit CardInk Business Unlimited® Credit CardInk Business Preferred® Credit Card
*5% cash back and 2% cash back on the Ink Business Cash® Credit Card on up to $25,000 in combined purchases each year, then 1% cash back.
**3x points on the Ink Business Preferred® Credit Card on up to $150,000 in combined purchases each year, then 1x.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Who should consider the Chase Ink Business Cash?
The Ink Business Cash® Credit Card stands out because it offers more rewards in popular business categories. Along with $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening you’ll earn:
5% cash back (5 Chase Ultimate Rewards points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year2% cash back (2 Chase Ultimate Rewards points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year 1% cash back (1 Chase Ultimate Rewards point per dollar) on all other purchases with no cap
If you spend a lot in the bonus categories, your rewards can add up quickly.
Another benefit of the Ink Business Cash® Credit Card is its introductory Ink Business Cash® Credit Card (then a 13.24%–19.24% variable APR), which is great for small-business owners who have expenses they want to pay off over time. In terms of benefits, perks you’ll get with this card include primary rental car coverage when you rent a car for business purposes, purchase protection, extended warranty, travel and emergency assistance, and roadside dispatch.
Chase Ink Cash: Pros
No annual feeGenerous sign-up bonus and earning rates in common business categoriesGood benefits for a no-annual-fee credit cardIntroductory Ink Business Cash® Credit Card
Chase Ink Cash: Cons
Bonus rewards categories come with annual capsYou can’t transfer your rewards to airline or hotel partners unless you combine your points with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit CardOnly 1% cash back (1x points) on non-bonus spendingCharges foreign transaction fees
Who is the Ink Business Cash best for?
The Ink Business Cash® Credit Card is best suited to small-business owners who don’t want to pay an annual fee but want to earn more rewards at office supply stores and on internet, cable, and cell phone service purchases each year. If you don’t spend a lot on these categories, the Ink Business Unlimited® Credit Card is probably a better choice.
Who should consider the Chase Ink Business Unlimited?
The Ink Business Unlimited® Credit Card is another option to consider with no annual fee, although this card offers a flat rate of rewards for each dollar your business spends instead of bonus categories. Once you sign up, you’ll earn 1.5% cash back (1.5x Chase Ultimate Rewards points) on all eligible purchases charged to your card. The rewards you can earn are unlimited, but you don’t have the opportunity to maximize your rewards in bonus categories.
You’ll also get the same $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Further, the same introductory 0% APR on purchases for 12 months applies, followed by a 13.24%–19.24% variable APR.
If you’re someone who is eager to take advantage of cardholder benefits, you should also know that you’ll get the same suite of perks with this card — primary auto rental coverage when you rent a car for business purposes, travel and emergency assistance services, purchase protection, extended warranty, and roadside assistance.
Chase Ink Unlimited: Pros
No annual feeGenerous sign-up bonus and flat-rate rewards on all spending (no categories to track)Introductory Ink Business Unlimited® Credit Card
Chase Ink Unlimited: Cons
No bonus rewards categories to maximizeYou can’t transfer your rewards to airline or hotel partners unless you combine your points with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit CardCharges foreign transaction fees
Who is the Ink Business Unlimited best for?
The Ink Business Unlimited® Credit Card is a good option for business owners who want to earn flat-rate rewards without an annual fee, especially if they spend a lot in many different categories.
Who should consider the Chase Ink Business Preferred?
If you’re intrigued about the Ink Business Preferred® Credit Card, you should know that it offers more perks on the travel front. You can use the Chase Ultimate Rewards points you earn with the card to book travel through the Chase portal just like the other cards, but you’ll get 25% more value for your points if you have this card instead.
When you have the Ink Business Preferred® Credit Card, you’re able to transfer your points to Chase Ultimate Rewards airline and hotel partners like United Airlines, British Airways, and Hyatt at a 1:1 ratio.
The sign-up bonus on the Ink Business Preferred® Credit Card is a lot higher than the other cards. You can redeem the 100,000 points you’ll earn for $1,000 in cash back or statement credits, or $1,250 in travel through the Chase portal. However, you also have to meet a higher spending requirement of $15,000 within three months to unlock this bonus.
This card also earns 3x points on up to $150,000 spent each year in popular business categories including travel, shipping purchases, internet, cable and phone purchases, and advertising with select social media and search engines, after which you’ll earn 1 point per dollar.
In terms of cardholder benefits, the Ink Business Preferred® Credit Card offers the same perks as the other Chase Ink cards, plus trip cancellation and interruption insurance worth up to $5,000 per person and up to $10,000 per trip, and cell phone protection worth up to $1,000 per claim (with a $100 deductible), up to three times per 12-month period.
Just be aware that a $95 annual fee applies, and it is not waived the first year. However, there are no foreign transaction fees charged on purchases made abroad.
Chase Ink Preferred: Pros
Get 25% more value for points when you redeem them for travel through the Chase portalTransfer points to airline and hotel partners for award travelQualify for added benefits like trip cancellation and interruption insurance and cell phone insuranceLarger sign-up bonusNo foreign transaction fees on purchases made outside the US
Chase Ink Preferred: Cons
Sign-up bonus has a high spending requirement of $15,000 within three months Card also has cap on earning rate for bonus categoriesThere’s a $95 annual fee that’s not waived for the first year
Who is the Ink Business Preferred best for?
The Ink Business Preferred® Credit Card is a better option for anyone who travels, even infrequently. You won’t pay foreign transaction fees, and you’ll get more insurance protection for travel purchases.
You’ll also get 25% more value when you redeem points for travel through Chase, and you open up tons of award travel possibilities when you transfer points to airline and hotel partners.