Preferred Vs Unlimited Vs Cash

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• The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are offering record-high welcome bonuses for a limited time.
• With either card, you can earn $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.
• The Ink Business Preferred® Credit Card is still offering 100,000 points after spending $15,000 on purchases in the first 3 months from account opening.
• Read Insider’s guide to the best small-business credit cards.

This just in: All three Chase Ink Business credit cards have eye-watering bonuses — and two of them are all-time highs:

Ink Business Cash® Credit Card — $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening(highest-ever offer)

Ink Business Unlimited® Credit Card — $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening (highest-ever offer)

Ink Business Preferred® Credit Card — 100,000 points after spending $15,000 on purchases in the first 3 months from account opening

With all these huge bonuses available, you may be wondering which of these business credit cards would work better for your needs. It really depends on how you want to use the rewards you earn, where your business spends the most money, and whether or not you want to pay an annual fee.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare Chase Ink credit cards 

Details

Rewards

Earn 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. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Intro offer

$900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening

Recommended Credit

Good to Excellent

Regular APR

16.24% – 22.24% Variable

Intro APR

0% intro APR on purchases for the first 12 months

Editor’s Rating

4.4/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Pros & Cons

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Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)

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Intro APR offer for purchases

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No annual fee

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You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel

Annual cap on bonus categories

Highlights

• Best Offer Ever: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn 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
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
• 0% introductory APR for 12 months on purchases

Additional Reading

Read our review

Who should consider the Chase Ink Business Cash?

The Ink Business Cash® Credit Card stands out because it offers more rewards in popular business categories. Along with $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening you’ll earn:

• 5% cash back (5 Chase Ultimate Rewards points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
• 2% cash back (2 Chase Ultimate Rewards points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year 
• 1% cash back (1 Chase Ultimate Rewards point per dollar) on all other purchases with no cap

If you spend a lot in the bonus categories, your rewards can add up quickly.

Another benefit of the Ink Business Cash® Credit Card is its introductory APR: 0% intro APR on purchases for the first 12 months (then a 16.24% – 22.24% Variable APR). This is great for small business owners who have expenses they want to pay off over time. In terms of benefits, perks you’ll get with this card include primary rental car coverage when you rent a car for business purposes, purchase protection, extended warranty, travel and emergency assistance, and roadside dispatch.

Pros

• No annual fee
• Highest-ever welcome bonus offer, worth at least $900 (and potentially much more)
• Good benefits for a no-annual-fee credit card
• Introductory 0% intro APR on purchases for the first 12 months

Cons 

Who is the Ink Business Cash best for?

The Ink Business Cash® Credit Card is best suited to small-business owners who don’t want to pay an annual fee but want to earn more rewards at office supply stores and on internet, cable, and cell phone service purchases each year. If you don’t spend a lot on these categories, the Ink Business Unlimited® Credit Card is probably a better choice.

Who should consider the Chase Ink Business Unlimited?

The Ink Business Unlimited® Credit Card is another option to consider with no annual fee, although this card offers a flat rate of rewards for each dollar your business spends instead of bonus categories. Once you open the card, you’ll earn 1.5% cash back (1.5 Chase Ultimate Rewards points per dollar) on all eligible purchases charged to your card. The rewards you can earn are uncapped — but the card doesn’t offer bonus categories, either.

The card offers the same $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. Further, the same 0% intro APR on purchases for the first 12 months applies, followed by a 16.24% – 22.24% Variable APR.

If you’re someone who is eager to take advantage of cardholder benefits, you should also know that you’ll get the same suite of perks with this card — primary auto rental coverage when you rent a car for business purposes, travel and emergency assistance services, purchase protection, extended warranty, and roadside assistance.

Pros

• No annual fee
• Highest-ever welcome bonus offer, worth at least $900 (and potentially much more)
• Easy earning structure (no categories to track)
• Introductory 0% intro APR on purchases for the first 12 months

Cons

• No bonus rewards categories to maximize
• You can’t transfer your rewards to airline or hotel partners unless you combine your points with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card
• Charges foreign transaction fees

Who is the Ink Business Unlimited best for?

The Ink Business Unlimited® Credit Card is a good option for business owners who want to earn flat-rate rewards without an annual fee, especially if they spend a lot in many different categories.

Who should consider the Chase Ink Business Preferred?

If you’re intrigued about the Ink Business Preferred® Credit Card, you should know that it offers more perks on the travel front. You can use the Chase Ultimate Rewards points you earn with the card to book travel through the Chase Travel Portal just like the other cards, but you’ll get 25% more value (1.25 cents per point) for your rewards if you have this card instead.

Also, when you have the Ink Business Preferred® Credit Card, you’re able to transfer your points to airline and hotel partners like United Airlines, Air Canada, and Hyatt at a 1:1 ratio.

You can redeem the 100,000 points you’ll earn for:

• $1,000 in cash back or statement credits
• $1,250 in travel through the Chase portal
• 100,000 Hyatt points (enough for potentially thousands of dollars in hotel stays)
• 100,000 Southwest points (worth $1,400+ in free flights)
• 100,000 Virgin Atlantic points (potentially enough for a round-trip business class flight to Europe on Delta)

This card also earns 3 points per dollar on up to $150,000 spent each year in popular business categories including travel, shipping purchases, internet, cable and phone purchases, and advertising with select social media and search engines, after which you’ll earn 1 point per dollar.

In terms of cardholder benefits, the Ink Business Preferred® Credit Card offers excellent trip delay insurance, baggage delay insurance, primary rental car insurance, and much more. Just be aware that a $95 annual fee applies.

Pros

• Get 25% more value for points when you redeem them for travel through the Chase portal
• Transfer points to airline and hotel partners for award travel
• Qualify for added benefits like trip cancellation and interruption insurance and cell phone insurance
• Larger welcome bonus offer
• No foreign transaction fees on purchases made outside the US

Cons

• Welcome bonus offer has a high spending requirement of $15,000 within three months 
• Card also has cap on earning rate for bonus categories
• There’s a $95 annual fee that’s not waived for the first year

Who is the Ink Business Preferred best for?

The Ink Business Preferred® Credit Card is a better option for anyone who travels, even infrequently. You won’t pay foreign transaction fees, and you’ll get more insurance protection for travel purchases.

You’ll also get 25% more value when you redeem points for travel through Chase, and you open up tons of award travel possibilities when you transfer points to airline and hotel partners.

Bottom line

Chase Ink credit cards have never been more enticing. Between all three card bonuses, there are hundreds of thousands of Chase points to be earned. And you may well find that you’d like more than one type of Ink card. Each has varying earning rates that serve a specific part of your spending.

Just remember, these are small-business cards. That means you must have a business to qualify, but it doesn’t have to be a full-time venture or formal business like an LLC. If you dogsit on Rover, deliver food with DoorDash, or are a freelance writer, you’re eligible to apply for these cards.

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