3 Things to Consider When Choosing a Chase Ink Credit Card

Joanna PhuaDecember 20, 2018
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

If you are looking for a business credit card that offers generous rewards points or cash-back perks, you might want to learn more about the suite of Chase Ink credit cards: the Ink Business Unlimited® Credit Card, the Ink Business Preferred® Credit Card and the Ink Business Cash® Credit Card.

Here are three points to consider.

Welcome offer

All three cards come with a welcome offer after completing a minimum spend within the first three months of being a cardholder.

  • Ink Business Unlimited® Credit Card: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

  • Ink Business Preferred® Credit Card: Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

  • Ink Business Cash® Credit Card: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

» Learn more: Chase 5/24 rule explained

Annual fee

The Ink Business Preferred® Credit Card comes with an annual fee of $95, while the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card are no-fee cards.

Because of this, the $95 comes with additional benefits and coverages that the other two do not, including cell phone damage and theft protection, trip cancellation and interruption insurance, trip delay reimbursement and purchase protection.

Rewards

With the Ink Business Preferred® Credit Card, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®.

Each card offers spending bonuses in a variety of categories for different business needs:

  • The Ink Business Preferred® Credit Card offers 3 points for every $1 (up to $150,000 per card membership year) spent on travel, shipping purchases, internet/cable/phone services and advertising through social media or search engines.

  • The Ink Business Cash® Credit Card offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and for internet, cable and phone services. The card also offers 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants.

  • The Ink Business Unlimited® Credit Card simply offers 1.5% cash back on all business purchases with no spending cap.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:

Planning a trip? Check out these articles for more inspiration and advice: The best small business credit cards of 2018 A guide to starting your small business When is it time to move up from a small-business card to a corportate card?

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.