Chase Offers Four Ink Business Credit Cards

Chase offers a suite of four business credit cards under the Ink Business family, designed to cater to various business types and spending habits. These cards are structured to earn either cash back or Chase Ultimate Rewards points, often featuring substantial welcome bonuses and high earning rates across multiple spending categories. Acquiring an Ink Business card can be beneficial for separating personal and business finances, and eligibility extends beyond traditional business owners to include those running micro-businesses such as Etsy sellers or freelance writers. The four available cards are the Ink Business Cash® Credit Card, the Ink Business Preferred® Credit Card, the Ink Business Premier® Credit Card, and the Ink Business Unlimited® Credit Card. Each card is differentiated by its specific welcome bonus, earning structure, and annual fee, details of which are further elaborated for each product. Common benefits across all four Ink Business cards include baggage delay insurance, extended warranty coverage, primary car rental insurance for business rentals, and purchase protection. Specifically, the Ink Business Cash, Ink Business Premier, and Ink Business Unlimited cards are designed to earn cash-back rewards. In contrast, the Ink Business Preferred card is unique in that it earns transferable Chase Ultimate Rewards points. For cardholders who also possess other Chase cards that earn Ultimate Rewards points, there is an opportunity to combine these rewards. This consolidation of rewards is possible for points earned on the Ink Business Cash, Ink Business Preferred, and Ink Business Unlimited cards. The Ink Business Premier card's rewards structure is separate and cannot be combined with other Ultimate Rewards-earning cards. The Ink Business Preferred card, for instance, offers a welcome bonus of 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. This card also provides accelerated earning rates of 3X points per dollar on the first $150,000 in combined purchases annually across categories like shipping purchases, advertising purchases made with social media sites and search engines, and internet, phone services, and cable TV services. Beyond these bonus categories, all other eligible purchases earn 1X point per dollar. The annual fee for the Ink Business Preferred card is $95. The Ink Business Cash card, on the other hand, offers 5% cash back on the first $25,000 in combined purchases each account anniversary year at office supply stores and on internet, phone services, and cable TV services. It also provides 2% cash back on the first $25,000 in combined purchases each account anniversary year at gas stations and restaurants. All other eligible purchases earn 1% cash back. The Ink Business Cash card does not have an annual fee. The Ink Business Unlimited card offers a flat rate of 1.5% cash back on all purchases, with no limit on the amount of cash back that can be earned. Similar to the Ink Business Cash, it also does not carry an annual fee. The Ink Business Premier card is positioned for larger businesses and offers 2% cash back on all purchases with no limit, and a 2.5% cash back on purchases of $5,000 or more, up to $50,000 in total. This card has an annual fee of $95.