Which Chase business credit card should you get?

March 19, 2025: Chase offers four business credit cards, branded as Chase Ink cards, each with a different set of rewards and benefits. In this article, we’ll help you compare the Chase business cards and help you decide which one is right for you.

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Our recommendations: The Best Ink credit card for you

Chase business credit card	Best for you if…
Ink Business Unlimited® Credit Card Annual fee: annual_fees	You want to minimize annual fees and you want simple rewards everywhere. Why: With no annual fee and decent 1.5% cash back rewards, the Ink Unlimited is an easy option if you want to get the card, use it for spending, and spend your time growing your business. But if you are after cash back rewards and spend more than $40,000 a year, you’ll earn more with the Ink Premier, even after considering that card’s annual fee. Welcome offer: bonus_miles_full Learn how to apply.
Ink Business Cash® Credit Card Annual fee: annual_fees	You want more rewards on gas stations, restaurants, office supply stores, and internet, cable and phone services. Why: The Ink Cash offers better rewards than the Ink Unlimited in these categories. If you pick up both cards, you can increase the amount of rewards you earn, using the Ink Cash when it earns more and the Ink Unlimited everywhere else. Welcome offer: bonus_miles_full Learn how to apply.
Ink Business Preferred® Credit Card Annual fee: annual_fees	You want to earn and redeem points on travel. Why: The Ink Preferred offers the highest earnings on travel purchases, plus having the card opens up the option to redeem points for travel booked through Chase Travel℠ at 25% more value, or transfer points to airline and hotel partner programs and possibly earn even more value. Welcome offer: bonus_miles_full Learn how to apply.
Ink Business Premier® Credit Card Annual fee: annual_fees	Your small business frequently makes large ($5,000+) purchases or you spend a lot on credit cards for your small business. Why: The additional rewards you’ll earn will cover the annual fee and you’ll come out ahead on total value compared to the Ink Unlimited once you make $40,000 of purchases in a year. And if you make $40,000 or more of large purchases in a year, you’ll come out ahead of a no-annual-fee card that offers 2% cash back everywhere. Welcome offer: bonus_miles_full Learn how to apply.

Rewards: Categories vs. better rewards everywhere else

All of the Chase Ink-branded cards offer rewards. If you’re looking for flat-rate rewards on all of your purchases, the Ink Unlimited or Ink Premier is likely your best bet. But the Ink Cash and Ink Preferred offer increased rewards in categories that may be relevant to your business.

Ink Business Unlimited® Credit Card	Ink Business Cash® Credit Card	Ink Business Preferred® Credit Card	Ink Business Premier® Credit Card
How rewards are earned
Ultimate Rewards® marketed as cash back.	Ultimate Rewards® marketed as cash back.	Ultimate Rewards®	Cash Back
Advertising purchases made with social media sites and search engines
–	–	Up to 3x*	–
Gas Stations
–	Up to 2%*	–	–
Internet, cable, and phone services
–	Up to 5%*	Up to 3x*	–
Office Supply stores
–	Up to 5%*	–	–
Restaurants
–	Up to 2%*	–	–
Shipping purchases
–	–	Up to 3x*	–
Travel
–	–	Up to 3x*	–
Purchases of $5,000 or more
–	–	–	2.5%
Other purchases
1.5%	1%	1x	2%

• The Ink Business Cash® Credit Card earns 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 and 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
• The Ink Business Preferred® Credit Card earns 3 points per $1 on the first $150,000 spent in across all of its bonus categories each account anniversary year.

Reward redemption options

While the Ink Cash and Ink Unlimited both earn Ultimate Rewards® points, these cards are marketed by Chase as cash back cards. When we refer to these cards, you’ll see us making reference to “5% cash back in select categories” or “1.5% cash back everywhere.” But behind the scenes these cards earn points.

Why does that matter? With Ultimate Rewards, you can combine your points across accounts which means you can earn points on one card and use the redemption options available on another card. For example, if you held the Ink Cash and the Ink Preferred, you could earn increased rewards at office supply stores on the Ink Cash, transfer your points to your Ink Preferred, and redeem them for increased value through Chase Travel℠.

The Ink Business Premier® Credit Card earns cash back rewards that can not be transferred to other cards. Here’s a quick overview of the point redemption options available with each card.

Ink Business Unlimited® Credit Card	Ink Business Cash® Credit Card	Ink Business Preferred® Credit Card	Ink Business Premier® Credit Card
How rewards are earned
Ultimate Rewards® marketed as cash back.	Ultimate Rewards® marketed as cash back.	Ultimate Rewards®	Cash Back
Points can be transferred to other Ultimate Rewards cards
			–
Enables redemptions through Chase Travel at increased value
–	–	25% more value	–
Allows points transfers to travel partners
–	–		–

For more on how to redeem Ultimate Rewards® points, see our guide to Ultimate Rewards.

All four Chase Ink Business cards come with a good set of travel benefits and insurance protections, but the Ink Preferred and Ink Premier include Trip Delay Reimbursement, which can pick up the tab for your expenses during certain trip delays, such as overnight accommodation when a flight is canceled due to weather.

Ink Business Unlimited® Credit Card	Ink Business Cash® Credit Card	Ink Business Preferred® Credit Card	Ink Business Premier® Credit Card
Auto Rental Collision Damage Waiver. Primary coverage in the United States when renting for business.
Baggage Delay Insurance
Lost Luggage Reimbursement
Travel Accident Insurance
Travel and Emergency Assistance Services
Trip Cancellation/Interruption Insurance
–	–
Trip Delay Reimbursement
–	–
Roadside Dispatch

Consumer insurance benefits: Protection for your business assets

Buying business assets like computers with a card that has purchase protection and extended warranty provides a bit of extra protection at no cost to you—and all four Chase Ink cards offer this protection. Plus the premium Chase business cards can also protect your cell phone when you pay your monthly bill with the card.

Ink Business Unlimited® Credit Card	Ink Business Cash® Credit Card	Ink Business Preferred® Credit Card	Ink Business Premier® Credit Card
Cellular Telephone Protection. Primary coverage in the United States when renting for business.
–	–
Purchase Protection
Extended Warranty Protection

My experience: How I use Chase Ink business credit cards

For my small business, I hold the trifecta of the Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card, and Ink Business Preferred® Credit Card. I don’t hold an Ink Premier card.

The vast majority of my business spending goes on my Ink Unlimited card, but I do use the Ink Cash whenever I’m at an office supply store. I don’t use the Ink Cash for dining, since I put that on my Chase Freedom Flex® (which earns 3% cash back) and I put all of my gas purchases on my Blue Cash Preferred® card.

As for travel, I will charge airfares to the Ink Preferred for the travel insurance, but I have the card mostly as an alternative to holding a Chase Sapphire Preferred® or Chase Sapphire Reserve®, since I am able to consistently get excellent value from point transfers to Hyatt. I book my hotels directly and use a hotel credit card to earn the most points.

Sign-up bonuses: Earn cash back or points with a new Chase business card

Ink Business Cash® Credit Card Annual fee: annual_fees	Sign-up bonus: bonus_miles_full Learn how to apply. An excellent card for small business owners who buy office supplies or internet/cable/phone service. This card is marketed as a cash back card, but it earns Ultimate Rewards®, which can be redeemed for cash back.
Ink Business Unlimited® Credit Card Annual fee: annual_fees	Sign-up bonus: bonus_miles_full Learn how to apply. A great option for small business owners who want cash back rewards on purchases with no annual fee. This card is marketed as a cash back card, but it earns Ultimate Rewards®, which can be redeemed for cash back.
Ink Business Preferred® Credit Card Annual fee: annual_fees	Sign-up bonus: bonus_miles_full Learn how to apply. Offers great rewards on travel. Points can be redeemed for 1 cent each for cash back or used for higher-value travel redemptions through Chase Travel℠ or transfer partners.
Ink Business Premier® Credit Card Annual fee: annual_fees	Sign-up bonus: bonus_miles_full Learn how to apply. Offers a great option for small business owners who want 2% cash back on every purchase and a robust set of consumer and travel benefits. Points can be redeemed for cash back.

Bottom line: Four great cards for small business

Chase has four solid options if you are looking for a small business credit card. The Ink Business Unlimited® Credit Card is a great option for keeping fees low and rewards simple. The Ink Business Premier® Credit Card can give small business owners who spend a lot market-leading cash back rewards. And the other cards can offer great travel redemption options or increased rewards in business categories.