Chase Ink Business Cards Breakdown: Preferred, Cash and Unlimited
Chase Ink Business Cards

Huge New Offers on the Chase Ink Preferred, Cash and Unlimited Business Cards!

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For more information check out our Advertising Disclosure.

Chase Ultimate Rewards are some of the most valuable points in the world of travel. And personal credit cards like the Chase Sapphire Preferred Card and Chase Sapphire Reserve are the easiest way to earn them.

But if you own a small business, there’s a powerful trio of Chase business cards that shouldn’t be ignored. The Chase Ink Business Preferred Credit Card, the Chase Ink Business Cash Credit Card, and the Chase Ink Business Unlimited Credit Card are all worth a look.

And better yet, all three Chase Ink Business cards are out with limited-time increased sign-up bonuses, including two cards with no annual fee offering 75,000 points – or $750 cashback.

Given the growing market for business credit cards, this is a great way to accelerate your points and miles earning as these cards will all earn the same valuable Chase Ultimate Rewards points

Here’s a rundown of all three cards and their current sign-up bonus offers. 

 

Chase Ink Business Preferred Credit Card

Think of the Chase Ink Business Preferred Credit Card as the business credit card equivalent to the Chase Sapphire Preferred Card

The Ink Business Preferred card mixes a great welcome bonus, solid ongoing points earning, and strong travel benefits all for just a $95 annual fee. That fee is not waived for the first year of card membership.

Here are the basics on the Ink Business Preferred card.

 

chase ink preferred

 

Click Here to learn more about the Chase Ink Business Preferred Credit Card. 

 

  • 100,000 Chase Ultimate Rewards points after spending $15,000 in the first three months of card membership. This is a limited time offer!
  • $95 annual fee which is not waived for the first year
  • 3x points on all travel; shipping costs; Plastiq bill payments, internet, phone, and cable service; and advertising purchases through social media or search engines on your first $150,000 of spending each year. 
  • 1x points on all other purchases
  • Each point is worth 1.25 cents when booking travel through the Chase Ultimate Rewards Portal
  • The card does not charge Foreign Transaction Fees
  • $600 in cell phone damage or theft protection (with $100 deductible)
  • Up to $10,000 in trip cancellation or interruption insurance
  • Primary rental car collision and damage waiver coverage
  • Trip ($500) and baggage delay ($100) reimbursement
  • Lost luggage insurance of up to $3,000 per person per trip

 

Chase Ink Business Cash Credit Card

Next up is the Chase Ink Business Cash Credit Card. And though its signup bonus isn’t quite as big as the Chase Ink Business Preferred card, it shouldn’t be ignored.

While this card is marketed as a cashback card rather than a points-earning card, it’s simple to accumulate Chase Ultimate Rewards points. You just need a card that earns Ultimate Rewards points, like either the Chase Sapphire Reserve or Chase Sapphire Preferred Card. That way, you can transfer the “points” over from your Ink Business Cash Card.

That means you can then use the limited time offer of a $750 cashback bonus after spending $7,500 in the first three months as 75,000 Chase Ultimate Rewards points, then send the points over to Chase transfer partners or book directly through the Chase travel portal

Here’s the skinny on the Chase Ink Business Cash Credit Card.

 

Chase Ink Business Cash Card

 

Click Here to learn more about the Chase Ink Business Cash Credit Card. 

 

  • 75,000 points or $750 cash back after spending $7,500 in the first three months of card membership. This is a limited time offer!
  • The card has no annual fee
  • 5x points (5% cash back) on internet, cable and phone service; office supply purchases on your first $25,000 of spending each year. 
  • 2x points (2% cash back) on restaurants and gas stations on your first $25,000 of spending each year.
  • 1x points (1% cash back) on all other eligible spending
  • 0% introductory APR on balances and balance transfers for 12 months. After that, a variable APR. 
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip

 

Chase Ink Business Unlimited Credit Card

This is Chase’s newest business credit card. And much like the Ink Cash card above, the Chase Ink Business Unlimited doesn’t earn points outright. But so long as you’ve already got an Ultimate Rewards-earning card in your wallet, you can turn that cashback into Ultimate Rewards Points. And this card acts much like the Chase Freedom Unlimited personal credit card from Chase. 

Here’s the gist of what you’ll get with the Chase Ink Business Unlimited card. 

 

Chase Ink Unlimited

 

Click Here to learn more about the Chase Ink Business Unlimited Credit Card

 

  • 75,000 points or $750 cash back after spending $7,500 in the first three months of card membership. This is a limited time offer!
  • The card has No Annual Fee
  • 1.5x points (1.5% cash back) on all purchases
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip

 

So Which Card is Best?

That’s a tough one.

Each of these Chase business cards has some serious benefits over one another. It really depends on the spending patterns of your small business.

The Chase Ink Business Preferred’s 100,000-point bonus after spending $15,000 in the first three months is tough to beat – assuming you can hit the large minimum spending requirement. The same is true of the large array of expenses that qualify for 3x points. And the ability to redeem points for 1.25 cents directly is a bonus, though you can do better if you already have the Chase Sapphire Reserve.

However, if you’re paying serious business expenses on internet service or office supplies, the Chase Ink Business Cash card’s 5x points on internet, cable, and phone service and at office supply stores is second-to-none.

Meanwhile, the Chase Ink Business Unlimited is about as good of an all-around spending card as you’ll find. If none of the spending categories above stick out but you’ll still be racking up some expenses, this card’s 1.5x points on all purchases is stellar.

Considering all of these cards are offering a limited-time increased sign-up bonus, now is a great time to make your choice and apply.

Make sure to check out our Top Business Credit Cards page. 

 

Our Favorite Benefit

Of course, there are some important travel benefits that can stack up with each card. Many of them overlap with the big travel rewards cards like the Chase Sapphire Preferred, Chase Sapphire Reserve, and more.

However, one that sticks out is the cell phone damage or theft protection on the Chase Ink Business Preferred Credit Card. If your phone is damaged or stolen, you can get up to $600 per claim (after a $100 deductible). Better yet, you can file up to three claims each year.

This is a benefit that few cards carry, though it’s value to you will depend on how expensive your phone is and what your manufacturer or cell phone service provides. You simply need to pay your cell phone bill with this card in order to get the benefit.

 

Special Considerations with Chase Ink Business Cards

If you’ve applied for or read about Chase credit cards, you’ve likely come across the bank’s dreaded5/24 rule. Basically, Chase won’t accept applications if you’ve opened five or more cards in the last 24 months from any bank – not just Chase. Check out our YouTube video to learn more about this restriction. 

 

 

But Chase business cards work with this rule a bit differently. You need to be under the 5/24 limit in order to get approved for a Chase Ink Business card, but that approval won’t add to your 5/24 count. So if you’ve opened three or four credit cards in the last two years, it might be the perfect time to apply for one of these cards. That way, it won’t hinder any applications for other future Chase cards.

And there’s one other detail that makes these cards even more alluring. While Chase restricts earning bonuses on both the Chase Sapphire Preferred and Chase Sapphire Reserve, that’s not true of the Ink Business family. You can stack welcome bonuses from several of these cards, so long as you’re approved and not hindered by the 5/24 rule. 

But it’s worth stressing that Chase can be very stingy with approvals for business credit cards. Be prepared to provide business paperwork and answer a lot of questions.

 

Bottom Line

Diving into the world of business credit cards can be daunting. But they aren’t reserved only for big businesses, and the ability to keep earning big Chase bonuses makes these cards worth considering.

If you are already carrying one of the Chase Sapphire personal credit cards and own a small business, adding one of the Chase Ink Business cards is a no-brainer. That’s especially true right now, as all three versions have a limited-time increased welcome bonus offer. 

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Leave a Reply

Your email address will not be published. Required fields are marked *