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3 Things to Consider When Choosing a Chase Ink Credit Card

Dec. 19, 2018
Travel, Travel Credit Cards
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  • Ink Business Unlimited℠ Credit Card
  • Ink Business Preferred® Credit Card
  • Ink Business Cash℠ Credit Card

As a result, offers described on this page may be out of date. See our best credit cards page for updated offers.

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 $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Ink Business Preferred® Credit Card: New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
  • Ink Business Cash℠ Credit Card: Earn $500 bonus cash back after you spend $3,000 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 2020, 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?

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