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The Chase Ink Plus: Possibly the Best Business Credit Card Out There

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Chase Ink Plus

This card is no longer available

Chase is no longer accepting applications for the Ink Plus® Business Credit Card. It now offers the Ink Business Preferred℠ Credit Card, which has a different rewards structure. Learn more: 

Ink Plus® Business Credit Card Editor's Rating: 4.4 / 5
The Ink Plus® Business Credit Card is a small business credit card that packs a punch. In addition to one of the best signup bonuses in the corporate credit card world, it offers great travel perks and hefty ongoing rewards. Read on to learn more about this card, so you can decide if it’s the best plastic option for your business.

At a glance
Annual fee $95
Foreign transaction fee None
Rewards program Ultimate Rewards Points, worth 25% more when you redeem for travel booked through Chase
Signup bonus Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Verdict: Great for business travelers who want a killer signup bonus
Good for:
  • Businesses that spend a lot of money on office supplies and cable/telecom services
  • Business travelers
  • Companies that want a large signup bonus
Bad for:
  • Companies that don’t spend much on the 5% bonus categories
  • Businesses that spend way more than the bonus rewards cap
  • Anyone who stays at Starwood Preferred Guest hotels

In this article:

Ink Plus® Business Credit Card: The basics
Ink Plus® Business Credit Card vs. Ink Business Cash℠ Credit Card
Where the Ink Plus® Business Credit Card shines
Where the Ink Plus® Business Credit Card falls short

Ink Plus® Business Credit Card: The basics

The Ink Plus® Business Credit Card comes with a sweet signup bonus: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. It also boasts sky-high ongoing rewards:

  • 5X points on office supplies and cable/telecom services, up to $50,000 spent annually
  • 2X points on gas and hotels, also up to $50,000 spent annually
  • 1 point on all other purchases

Points are worth 25% more when redeemed for travel booked through Chase Ultimate Rewards, making the signup bonus one of the best among corporate credit cards. The ongoing rewards also benefit from the 25% points boost, so you can get as much as 6.25% rewards on office supplies. It has an annual fee of $95, but there are no foreign transaction fees or employee card fees.

Ink Plus® Business Credit Card vs. Ink Business Cash℠ Credit Card

If your business doesn’t spend quite enough to outweigh the annual fee, the Ink Business Cash℠ Credit Card is a good option. It offers 5% rewards on office supplies and cable/telecom services up to $25,000 spent per year, 2% on gas and restaurants up to $25,000 spent per year, and 1% back on everything else. Plus, it has an annual fee of $0, and it comes with a signup bonus: Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening.

The Ink Business Cash℠ Credit Card has foreign transaction fees of 3% and isn’t eligible for the 25% points boost for travel redemption. Generally, we think the Ink Business Cash℠ Credit Card is a decent option if you have a strong aversion to annual fees or need to carry a balance for a short time, as it has an introductory APR offer of 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 14.24% - 20.24% Variable APR.

Where the Ink Plus® Business Credit Card shines

The Ink Plus® Business Credit Card is ideal for a business that spends mostly on office supplies, cable/telecom services, or gas and hotels. You’ll get the best value out of the card’s rewards when redeemed for travel, as Ultimate Rewards Points are worth 25% more when used for travel booked through Chase. As for ongoing rewards, this card is great for businesses that spend in the $25,000-$50,000 range annually.

Where the Ink Plus® Business Credit Card falls short

No card is perfect for every business, and the Ink Plus® Business Credit Card is no exception. If your company fits in the following categories, you may want to consider a different card:

Companies that don’t spend much on the 5% bonus categories 

If your company’s spending doesn’t align with the bonus categories, you won’t get much value out of this card. Instead, you may want to consider a flat rate card, like the Barclaycard Arrival Plus™ World Elite MasterCard®. Yes, it’s a consumer card, but it has a rewards rate of 2% on every purchase, redeemable for travel statement credit within 120 days of your travel expense posting to your account. Plus, you’ll get 5% of your miles back when you redeem.

The Barclaycard Arrival Plus™ World Elite MasterCard® has an annual fee of $0 for the first year, then $89, no foreign transaction fees and an awesome sign-up bonus: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit.

This card would also be ideal for businesses that spend way more than the $50,000 bonus cap. Keep in mind that spending in excess of the cap will be rewarded at a rate of 1 point per dollar, so if you go way over the cap, you may be better off with a flat-rate card.

Big spenders who stay at Starwood Preferred Guest hotels

If you stay regularly at Starwood locations, you’ll get a great value out of the Starwood Preferred Guest® Business Credit Card from American Express. It offers 1 Starpoint per $1 spent on most purchases, and up to 5 Starpoints per $1 spent at Starwood Preferred Guest hotels. There’s also a solid sign-up bonus: Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months. Terms Apply..

The card’s annual fee is $0 for the first year, then $95, and there are no foreign transaction fees.

Erin El Issa is a staff writer covering personal finance for NerdWallet. Follow her on Twitter @Erin_Lindsay17 and on Google+.