4 Best Chase Ink Business Credit Cards

Jodie Price

By Jodie Price | Updated September 15, 2025

Chase offers several Ink Business credit cards that can help businesses earn valuable rewards on everyday expenses. The best options balance strong earning rates with flexible redemption choices, making them useful for both small and growing companies. This guide compares the top four cards so business owners can choose the one that best fits their spending habits and financial goals.

  • Ink Business Premier® Credit Card

    The Ink Business Premier® Credit Card is designed for business owners who want simple, high flat-rate rewards on purchases. It emphasizes straightforward cash back instead of complicated point transfers.

    It works well for companies with high monthly spending across different categories. The card also provides tools to help manage employee spending and track expenses.

    Earning Structure:

    • 5% cash back on Lyft rides through Sept. 30, 2027
    • 5% cash back on travel purchased through Chase Travel℠
    • 2.5% cash back on purchases of $5,000 or more
    • 2% cash back on all other eligible purchases

    Welcome Bonus:
    Earn $1,000 cash back after spending $10,000 on purchases within the first three months of account opening.

    Card Details:

    • Annual fee: $195
    • Foreign transaction fees: None
    • APR: 18.49%–26.49% variable
    • No preset spending limit
    • Employee cards available at no extra cost

    Key Benefits:

    • Simple flat-rate rewards
    • Purchase protection and extended warranty coverage
    • Travel protections, including trip cancellation/interruption insurance
    • Expense management tools for businesses

    Redemption Options:
    Cash back can be redeemed as a statement credit, bank deposit, or through eligible purchases in the Chase portal.

    Credit Requirements:
    Applicants generally need good to excellent credit for approval, with a FICO score starting at 670.

    Spending Limitations / Potential Drawbacks:
    The $195 annual fee may not be worth it for businesses with low spending.

    Why it Works for Beginners:
    Its flat-rate structure makes it easy for new business owners to earn rewards without tracking categories.

  • Ink Business Cash® Credit Card

    The Ink Business Cash® Credit Card is for small business owners seeking rewards on everyday business expenses. It offers a straightforward way to earn cash back without a complicated rewards system.

    It works well for businesses that spend often in categories like office supplies, internet, and phone services. The card also provides access to tools that help track and manage expenses.

    Earning Structure:

    • 5% cash back on the first $25,000 spent each year on office supplies and internet, cable, and phone services.
    • 2% cash back on the first $25,000 spent each account anniversary year at gas stations and restaurants
    • 1% cash back on all other purchases with no limit

    Welcome Bonus:
    Earn up to $750 cash back: $350 after spending $3,000 in the first three months, plus an additional $400 after spending $6,000 in the first six months.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Applies to purchases made abroad
    • APR: 17.49%–25.49% variable
    • Employee cards available at no extra cost

    Key Benefits:

    • High rewards rate in select business categories
    • Expense tracking and reporting tools
    • Purchase protection and extended warranty coverage
    • Travel and emergency assistance services

    Redemption Options:
    Cash back can be redeemed as statement credits, direct deposits, gift cards, or travel through Chase Ultimate Rewards.

    Credit Requirements:
    Good to excellent credit (FICO score of 670–850) is typically needed for approval.

    Spending Limitations / Potential Drawbacks:
    The high rewards rates apply only to the first $25,000 in annual spending per category.

    Why it Works for Beginners:
    Its simple rewards structure and no annual fee make it easy for new business owners to manage and earn rewards.

  • Ink Business Unlimited® Credit Card

    The Ink Business Unlimited® Credit Card offers a simple way for business owners to earn rewards on every purchase. It uses a flat-rate earning system, making it easy to track and redeem rewards.

    This card is designed for small business owners who want straightforward rewards without worrying about spending categories. It works well for those with varied expenses across different business needs.

    Earning Structure:

    • 1.5% cash back on all purchases, with no limit
    • Ability to combine points with other Chase Ultimate Rewards® cards for higher redemption values

    Welcome Bonus:
    Earn $750 cash back after spending $6,000 in the first three months from account opening.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Applies to purchases made abroad
    • APR: 17.49%–23.49% variable
    • Employee cards available at no extra cost

    Key Benefits:

    • Flat-rate rewards on all purchases
    • No annual fee
    • Employee cards at no additional cost
    • Purchase protection and extended warranty coverage

    Redemption Options:
    Points can be redeemed for cash back, travel, gift cards, or purchases through the Chase Ultimate Rewards® portal.

    Credit Requirements:
    Good to excellent credit (FICO score of 670–850) is typically needed for approval.

    Spending Limitations / Potential Drawbacks:
    The flat 1.5% rate may not be as rewarding for those who spend heavily in bonus categories offered by other cards.

    Why it Works for Beginners:
    Its simple earning structure and no annual fee make it easy for new business owners to manage and use it effectively.

  • Ink Business Preferred® Credit Card

    The Ink Business Preferred® Credit Card is designed for small business owners who want to earn rewards on common business expenses. It offers flexible redemption options through the Chase Ultimate Rewards® program.

    It is well-suited for those who spend heavily in categories like travel, shipping, and online advertising. The card also includes protections that can be useful for business purchases.

    Earning Structure:

    • 3x points per $1 on the first $150,000 spent each account anniversary year in:
      • Travel
      • Shipping purchases
      • Internet, cable, and phone services
      • Advertising purchases with social media sites and search engines
    • 1x point per $1 on all other purchases

    Welcome Bonus:
    Earn 90,000 points after spending $8,000 in the first three months from account opening.

    Card Details:

    • Annual fee: $95
    • Foreign transaction fees: None
    • APR: 20.24%–26.24% variable
    • Points do not expire as long as the account remains open

    Key Benefits:

    • Trip cancellation/interruption insurance
    • Cell phone protection when paying the bill with the card
    • Purchase protection and extended warranty coverage
    • Access to the Chase Ultimate Rewards® travel portal

    Redemption Options:
    Points can be redeemed for travel, cash back, gift cards, or transferred to airline and hotel partners.

    Credit Requirements:
    Good to excellent credit (FICO score of 670–850) is typically required.

    Spending Limitations / Potential Drawbacks:
    The 3x points rate is capped at $150,000 per year in combined bonus categories.

    Why it Works for Beginners:
    It offers clear earning categories and flexible redemption, making it easy for new business card users to maximize rewards.

Frequently Asked Questions

What are the differences between the Chase Ink Business cards?

The Ink Business Cash earns higher cash back rates in select business categories like office supplies and internet services. The Ink Business Unlimited offers a flat rate on all purchases without category restrictions. The Ink Business Preferred offers travel rewards, while the Ink Business Premier is designed for higher rewards on large purchases.

Which Chase Ink Business card offers the best rewards for travel?

The Ink Business Preferred card is the strongest travel option, earning extra points on travel and select business purchases. It also allows point transfers to airline and hotel partners for potentially greater value. Frequent travelers benefit most from its flexible redemption and 25% bonus when booking through Chase Ultimate Rewards.

How do the sign-up bonuses compare among the various Chase Ink Business cards?

The Ink Business Preferred typically offers the largest bonus in points, which can be more valuable when redeemed for travel through Chase. The Ink Business Cash and Ink Business Unlimited offer cash back bonuses, while the Ink Business Premier has a larger cash-based bonus. Each card’s bonus is designed according to its rewards and spending priorities.

What are the annual fees associated with Chase Ink Business credit cards?

The Ink Business Cash and Ink Business Unlimited have no annual fee, making them affordable starter options. The Ink Business Preferred and Ink Business Premier have annual fees but justify them with higher earning potential and added benefits. The choice depends on whether a business values low cost or enhanced rewards.

Can you explain the cash back and point system for the Chase Ink Business Unlimited card?

The Ink Business Unlimited earns a flat 1.5% cash back on every purchase with no spending limits. Cash back is awarded as Chase Ultimate Rewards points, which can be redeemed for cash, gift cards, or travel. Points never expire as long as the account remains open and in good standing.