4 Best Chase Ink Business Cards That Offer Cash Back or Transferable Points

Jodie Price

By Jodie Price | Updated October 3, 2025

Finding the right business credit card can make managing expenses and earning rewards much easier. The Chase Ink Business lineup offers four strong options that provide either straightforward cash back or flexible points that transfer to travel partners.

  • Ink Business Unlimited Credit Card

    The Ink Business Unlimited Credit Card is designed for small business owners who prefer simple rewards without tracking categories. It offers flat-rate earnings, making it easy to use for everyday business spending.

    This card focuses on cash back but also connects with Chase’s Ultimate Rewards program. That flexibility allows cardholders to keep rewards simple or expand them into travel value.

    Earning Structure:

    • 1.5% cash back on every purchase

    Welcome Bonus:
    New cardholders can earn a $750 cash back bonus after spending $6,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–23.49% variable
    • Other benefits: Purchase protection, extended warranty, employee cards at no extra cost
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional perks: Access to Chase Ultimate Rewards portal

    Key Benefits:

    • No annual fee to maintain the card
    • Flat 1.5% cash back on all purchases
    • Rewards can transfer to other Chase cards for travel value
    • Simple structure with no rotating categories
    • Employee cards help earn more rewards

    Redemption Options:
    Rewards can be redeemed for cash back, gift cards, or travel through Chase Ultimate Rewards.

    Credit Requirements:
    Applicants generally need good to excellent credit with a FICO score of 670–850 to qualify.

    Spending Limitations / Potential Drawbacks:
    The card lacks bonus categories, so those who spend more on travel, dining, or office supplies might choose other Ink cards instead.

    Why it Works for Beginners:
    Its flat-rate structure and no annual fee make it easy for new business owners to manage rewards without complexity.

  • Ink Business Preferred Credit Card

    The Ink Business Preferred Credit Card is designed for business owners who want to earn flexible rewards on their everyday expenses. It focuses on giving strong value for travel and business categories. This card also provides access to Chase Ultimate Rewards, which allows points to be redeemed for travel, cash back, or transferred to partners.

    Earning Structure:

    • 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
    • 1 point per $1 on all other purchases, with no limit to the amount you can earn

    Welcome Bonus:
    New cardholders can earn 90,000 bonus points after spending $8,000 within the first three months of membership.

    Card Details:

    • Annual fee: $95
    • APR: 20.24%–26.24% variable
    • Other benefits: Cell phone protection, purchase protection, extended warranty
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • High earning rate on common business categories
    • Points can transfer to airline and hotel partners
    • Strong travel protections
    • Purchase coverage and extended warranty
    • No foreign transaction fees

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

    Credit Requirements:
    Applicants generally need good to excellent credit with a FICO score of 670–850 to qualify.

    Spending Limitations / Potential Drawbacks:
    The card works best for businesses with high spending in bonus categories, so flat spenders may not maximize rewards.

    Why it Works for Beginners:
    It offers simple earning categories and flexible redemption choices, making it easy for new users to see value.

  • Ink Business Cash Credit Card

    The Ink Business Cash Credit Card is designed for small business owners who want straightforward cash back on everyday expenses. This card lets users earn rewards that can be converted into travel points when used with another Chase Ultimate Rewards card. It offers flexibility for both cash back and travel-focused strategies.

    Earning Structure:

    • 5x cash back on office supply stores and internet, cable, and phone services (up to a set limit each year)
    • 2x cash back at gas stations and restaurants
    • 1x cash back on all other purchases

    Welcome Bonus:
    New cardholders can earn $350 after spending $3,000 within the first three months of membership, and an additional $400 after spending $6,000 in the first six months of joining.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–25.49% variable
    • Other benefits: Purchase protection, extended warranty, employee cards at no extra cost
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional perks: Access to Chase Ultimate Rewards portal

    Key Benefits:

    • No annual fee to maintain the card
    • Strong bonus categories for office-related purchases
    • Flexible redemption options through cash or travel partners
    • Employee cards available at no extra cost
    • Purchase protection on eligible items

    Redemption Options:
    Rewards can be redeemed for cash back, gift cards, or travel through Chase Ultimate Rewards.

    Credit Requirements:
    The card requires good to excellent credit, with a FICO score of 670–850, to qualify.

    Spending Limitations / Potential Drawbacks:
    The 5x bonus rate has an annual spending cap, and foreign transaction fees make it less ideal for international use.

    Why it Works for Beginners:
    It is simple to use, has no annual fee, and provides easy ways to earn and redeem rewards.

  • Ink Business Premier Credit Card

    The Ink Business Premier Credit Card is designed for business owners who want straightforward cash back rewards. It focuses on simple earning rates that do not require tracking categories.

    This card is best for those who make frequent large purchases or book travel through Chase. It does not allow point transfers to travel partners, making it better for cash back users.

    Earning Structure:

    • 2% cash back on all purchases
    • 2.5% cash back on purchases of $5,000 or more
    • 5% cash back on travel booked through Chase Travel℠

    Welcome Bonus:
    New cardholders can earn $1,000 cash back (or 100,000 Ultimate Rewards points that cannot be transferred to partners) after spending $10,000 in the first three months.

    Card Details:

    • Annual fee: $195
    • APR: 18.49%–26.49% variable
    • Other benefits: Purchase protection, travel coverage, employee cards at no extra cost
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Higher rewards on large purchases
    • Strong flat-rate cash back
    • Travel protections included
    • No foreign transaction fees

    Redemption Options:
    Rewards can be redeemed for cash back, statement credits, gift cards, or travel through Chase Travel, but cannot be transferred to airline or hotel partners.

    Credit Requirements:
    Applicants generally need good to excellent credit to qualify, often with a FICO score between 670 and 850.

    Spending Limitations / Potential Drawbacks:
    The card does not allow transfers to travel partners, which limits value for frequent travelers.

    Why it Works for Beginners:
    Its simple earning structure makes it easy for new business cardholders to maximize rewards without managing complex categories.

Frequently Asked Questions

What are the key benefits of the Chase Ink Business Unlimited card?

The Ink Business Unlimited card gives a simple flat rate of 1.5% cash back on every purchase. This makes it easy for business owners who do not want to track bonus categories. It also has no annual fee, which helps keep costs low.

How does the Chase Ink Business Cash card’s rewards structure work?

The Ink Business Cash card earns 5% cash back on office supply stores and internet, cable, and phone services, up to a set spending cap each year. It also earns 2% cash back at gas stations and restaurants, and 1% on all other purchases. These bonus categories make it a strong choice for businesses with heavy office expenses.

Can points earned on Chase Ink Business cards be transferred to travel partners?

Points from the Ink Business Preferred and Ink Business Cash can be combined into a Chase Ultimate Rewards account. Once pooled, they can be transferred to airline and hotel partners. The Ink Business Unlimited also allows transfers when paired with a premium Ultimate Rewards card.

What are the foreign transaction fees for the Chase Ink Business cards?

The Ink Business Preferred has no foreign transaction fees, which makes it useful for international travel. Both the Ink Business Unlimited and Ink Business Cash have foreign transaction fees. This makes them less ideal for purchases made outside the United States.

Which Chase Ink Business card offers the highest cash back rewards on office supplies?

The Ink Business Cash card offers the best rewards for office supply purchases. It offers 5% cash back on office supply stores, as well as internet, cable, and phone services. This category bonus applies up to a yearly cap, after which purchases earn 1%.