Chase Ink Business Card Comparison [2026]: A Strong Choice for Small Businesses

The four Chase Ink Business credit cards all provide generous welcome offers and robust rewards on business purchases, and cardholders also have the added convenience of being able to easily track business expenses and employee spending.

As a small-business owner, I'd pay attention to which business expenses are likely to add up the most, and pick a business card that rewards them.

Larger businesses can like get enough value out of the perks and earn rates to justify the premium Chase Ink cards. But If you're running a solo operation like me, I'd steer clear of cards with a high annual fee.

Chase offers some great no-annual-fee business rewards cards. You want to make sure you're not paying more to hold your card than you're earning back in benefits and spending.

Chase business cards compared

Card name	Welcome bonus	Earnings rate	Annual fee
Ink Business Unlimited® Credit Card(Rates and fees) 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening	Unlimited 1.5% cash back on every purchase	$0
Ink Business Cash® Credit Card(Rates and fees) 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn $750 when you spend $6,000 on purchases in the first three months after account opening	5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases	$0
Ink Business Preferred® Credit Card 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening	3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases	$95
Ink Business Premier® Credit Card 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening	5% cash back on travel purchased through Chase Travel℠; unlimited 2.5% cash back on purchases of $5,000 or more; unlimited 2% cash back on all other business purchases	$195

How do you know which Chase Ink business card is best for you?

As you know, no credit card is one-size-fits-all. Here are some guidelines for who is the best customer for each of these cards (and remember, you might want to have more than one to cover all your bases).

When you should choose Chase Ink Business Unlimited

• You want a $0 annual fee
• You don't have a particular high spend category in your business and flat rewards rates would make more sense

Apply now | Learn more in our Chase Ink Business Unlimited review

When you should choose Chase Ink Business Cash

• You want a $0 annual fee
• You spend heavily in business categories like office supplies, internet and phone services, and gas stations and restaurants

Apply now | Learn more in our Chase Ink Business Cash review

When you should choose Chase Ink Business Preferred

• You want an elevated rewards rate in shipping, advertising, internet/cable/phone services, and travel
• You want access to Chase transfer partners
• You want your points to be worth more on travel redemptions made through Chase Travel℠
• Your business includes overseas travel (no foreign transaction fees)

Learn more in our Chase Ink Business Preferred review

When you should choose Chase Ink Business Premier

• You want a simple rewards rate for making various business purchases
• You want an elevated rewards rate and make regular purchases of $5,000 or more
• No foreign transaction fees are important
• You have higher spending to justify the annual fee

Learn more in our Chase Ink Business Premier review

How the Ink Business credit cards stack up

Consider the following factors when deciding which Ink Business credit card to apply for.

Earning rates and bonus categories

There's no clear winner when it comes to earning rates since getting the best bang for your buck depends on your regular expenses and redemption needs. But all the Ink cards are part of a robust rewards program.

Card name	Earnings rate
Ink Business Unlimited® Credit Card	Unlimited 1.5% cash back on every purchase
Ink Business Cash® Credit Card	5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases
Ink Business Premier® Credit Card	5% cash back on travel purchased through Chase Travel℠; unlimited 2.5% cash back on purchases of $5,000 or more; unlimited 2% cash back on all other business purchases
Ink Business Preferred® Credit Card	3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases

Where the Ink Business Unlimited^® Credit Card excels

If most of your business purchases fall outside those categories, however, you'll likely get the best overall rewards from the Ink Business Unlimited credit card, which offers unlimited 1.5% cash back on every purchase. This one's also nice if you prefer simplicity and your business expenses may vary from month to month.

Where the Ink Business Cash^® Credit Card excels

If you're mainly using your card for common business expenses like office supplies and your internet bill, the Ink Business Cash offers the best earning rates. And if your work gets you out on the road for business lunch with clients, all the better. You could earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

Where the Ink Business Premier^® Credit Card excels

If you often make large business purchases, you may benefit most from the earn rate of the Ink Business Premier Card. It's a higher-end card, but if your small business routinely makes single purchases of $5,000 or more, you can get a lot of value from it.

For example, say you expect to make at least two purchases of $5,000 each year. At 2.5%, you'd earn a total of $250 per year on those two purchases, which already is more than your annual fee for the card.

Where the Ink Business Preferred^® Credit Card excels

Frequent business travelers will likely get the most value out of the Ink Business Preferred Card since it offers 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. That rate means you can effectively get $3.75 toward travel for every $100 you spend on travel purchases.

Welcome offer

Welcome offers may vary, but since they're often a way of getting great value out of a new card, it pays to check your business spending before applying.

Each card under the Ink Business umbrella has a great bonus after meeting a minimum spending requirement. Your choice depends on what you can reasonably expect to meet within the first months after opening an account.

Card name	Welcome bonus
Ink Business Unlimited® Credit Card	Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Ink Business Cash® Credit Card	Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Ink Business Premier® Credit Card	Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening
Ink Business Preferred® Credit Card	Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening

The Ink Business Cash and the Ink Business Unlimited are the cards that offer a welcome bonus for the lowest minimum spend. That's why either would be my first choice as a sole proprietor with lower expenses.

You may want to try the Ink Business Preferred or Ink Business Premier if you're running a larger business with greater expenses overall, as you can likely hit the welcome bonus spend requirement with little issue and earn more in rewards along the way.

Introductory purchase APRs

While it's generally ill-advised to spend money you don't have, sometimes you simply need to in the early days of getting a business up and running.

The Ink Business Cash or Ink Business Unlimited card both come with introductory APR offers on purchases, which gives you some time to avoid accruing interest on large start-up purchases before profits begin to trickle in. Just be sure to have a plan for paying your balance off in full before that introductory period ends.

Card name	Introductory purchase APRs
Ink Business Unlimited® Credit Card	0% intro APR for 12 months on purchases (then 16.74% - 24.74% Variable)
Ink Business Cash® Credit Card	0% intro APR for 12 months on purchases (then 16.74% - 24.74% Variable)
Ink Business Premier® Credit Card	None
Ink Business Preferred® Credit Card	None

Redemption options

One of the best features of any Chase rewards card is the flexible Chase Ultimate Rewards program. With any of the Ink Business cards, your points don't expire as long as your account remains open, and you can redeem points for:

• Cash back (including statement credits and direct deposits into eligible U.S. checking and savings accounts)
• Gift cards
• Apple purchases through Chase Ultimate Rewards

Travel bookings through Chase Travel℠ But now let's look at the differences in redemption options to help you decide.

• With the Ink Business Preferred Card, you receive more value from your points when you use them toward travel. If you redeem points through Chase Travel℠, your points could be worth more. This makes Ink Business Preferred an easy choice if you'll be doing a lot of business travel.
• The Ink Business Preferred also allows you to get the most out of Chase Ultimate Rewards by transferring points to Chase travel partners at a 1:1 ratio. For example, you can transfer points to Marriott Bonvoy, World of Hyatt, and the Southwest Airlines Rapid Rewards program. This gives you more flexibility (and possibly more value) when redeeming travel rewards.
• Something interesting to note is that the Ink Business Premier Card (with a higher annual fee) lacks some of the benefits of the Ink Business Preferred. While you can redeem points for travel booked through Chase Travel, there's no bonus value for using the Chase Travel portal. Plus, you cannot transfer points to travel partners or to other Chase cards. I'd be a little disappointed with that, especially given the higher annual fee.

Other perks

When I'm talking about card perks, this refers to things like purchase protection and insurance for various travel components. I love that you receive identical perks from the Ink Business Unlimited and Ink Business Cash cards. Here's a quick glance at the protections available to Ink Business cardholders.

Perks available across all Ink Business Cards:

• Auto rental collision damage waiver (primary coverage)
• Roadside dispatch
• Free employee cards
• Purchase protection
• Extended warranty

Perks solely for Ink Business Premier and Ink Business Preferred:

• Trip cancellation and interruption insurance
• Cell phone protection

Perk solely for Ink Business Unlimited and Ink Business Cash:

• Travel and emergency assistance: This is basically just access to a dedicated phone line to call while traveling. They can provide legal and medical referrals and other emergency help when you're away from home, but it doesn't cover the cost of any services you utilize.

As you can see, all Chase Ink Business card account holders receive a suite of travel and purchase protections. A couple of features make Ink Business Preferred and Ink Business Premier stand out a bit more: trip cancellation and interruption coverage, and cell phone protection.

Cell phone protection can offer up to $1,000 to you or an employee listed on your monthly cell phone bill, if your phone is stolen or damaged and you pay your phone bill with your applicable card.

Be aware that with benefits like trip cancellation insurance or auto rental collision damage waivers, you must pay for those purchases using your Ink Business card in order to be eligible for the benefits. So be careful — if you don't use the right card for a rental car or flight, for example, you forfeit that added benefit.

FAQs

Bottom line

Between the generous welcome offers and rewards-earning potential associated with the Chase business credit cards, applying for one of them is a smart move for many small business owners. This is especially true if you already hold a Chase Sapphire Preferred^® Card or Chase Sapphire Reserve^® card and want to combine your points between eligible cards.

To choose the right Chase business card for you, consider your spending needs and how you plan to redeem your rewards. But for most smaller businesses, we'd recommend going with the Ink Business Unlimited^® Credit Card or the Ink Business Cash^® Credit Card.

If Chase doesn't have what you're looking for, check out our list of the best business credit cards for more options.

Unlimited Cash Back

Ink Business Unlimited^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Ink Business Unlimited^® Credit Card

Apply Now

Rates and fees

Current Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Annual Fee

$0

Rewards Rate

Unlimited 1.5% cash back on every purchase

Benefits and Drawbacks

Benefits

• $0 annual fee
• Elevated flat-rate rewards structure
• Generous welcome offer
• Intro APR offer on purchases
• Employee cards at no additional cost

Drawbacks

• No bonus rewards for specific categories
• Foreign transaction fee of 3% of each transaction in U.S. dollars
• Limited travel perks

Card Details

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC