Side-by-Side Comparison: Which Chase Ink Card Is Right for Your Business?

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Side-by-Side Comparison: Which Chase Ink Card Is Right for Your Business?

AlexSide-by-Side Comparison: Which Chase Ink Card Is Right for Your Business?Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Chase issues 3 Chase Ultimate Rewards points earning cards for small businesses.  The Chase Ink Business Preferred, Chase Ink Business Cash, and Chase Ink Business Unlimited are all currently offering terrific welcome bonuses, but each are different in points earning and benefits.

It can be confusing to know which card (or cards) are right for you.  It mostly depends on your spending and travel habits, so we’re here to help you make the best choice for your small business!

Small Business Owners Have 3 Chase Ink Cards to Choose From, but Which Card is Right for You?
Small Business Owners Have 3 Chase Ink Cards to Choose From, but Which Card Is Right for You?

Let’s look at the cards side by side to see which is the best fit for you.

Comparing the Chase Ink Business Cards

Apply Here:   Ink Business Preferred℠ Credit Card

Our Review of the Chase Ink Business Preferred

Apply Here:   Ink Business Cash℠ Credit Card

Our Review of the Chase Ink Business Cash

Apply Here:   Ink BusinessSM Unlimited 

Our Review of the Chase Ink BusinessSM Unlimited

So how do these cards compare?

Welcome Bonuses

Now is a great time to consider a Chase Ink Business card, because all 3 have huge sign-up bonuses after meeting minimum spending requirements:

  • Chase Ink Business Preferred:   Earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months of account opening
  • Chase Ink Business Cash:   Earn $500 bonus cash back (50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months of account opening
  • Chase Ink Business Unlimited:   Earn $500 bonus cash back (50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months of account opening
The Chase Ink Business Preferred is Offering 80,000 Chase Ultimate Rewards Welcome Bonus After $5,000 Minimum Spending Within 3 Months of Account Opening. That's Worth $1,000 in Travel in the Chase Ultimate Rewards Travel Center
The Chase Ink Business Preferred Is Offering a 80,000 Chase Ultimate Rewards Point Welcome Bonus After Meeting Minimum Spending. That’s Worth $1,000 in Travel Through the Chase Ultimate Rewards Travel Center

The Chase Ink Business Preferred definitely has the most enticing welcome bonus with 80,000 Chase Ultimate Rewards points after meeting minimum spending.  In fact, this is the highest public sign-up bonus we have seen for a Chase small business card.

The other 2 Chase Ink cards offer the same sign-up bonus of $500 bonus cash back (in the form of 50,000 Chase Ultimate Rewards points) after meeting minimum spending, which is an incredible deal for a card with no annual fee.

Annual Fees

Both the Chase Ink Business Cash and the Chase Ink Business Unlimited have no annual fee.  So they’re free to keep forever!

The Chase Ink Business Preferred has an annual fee of $95.  But it comes with extra perks and benefits that make it worth keeping year after year for many folks.

Foreign Transaction Fees

The Chase Ink Business Preferred has no foreign transaction fees, so it’s a good card to use when you’re overseas.  If you travel abroad frequently or pay business expenses to foreign vendors, this is the better card to consider.

You will pay foreign transaction fees with the Chase Ink Business Cash and the Chase Ink Business Unlimited , which is typical of most no-annual-fee cards.

Spending Categories

One of the biggest differences between all of these cards is the spending categories for each card, and which categories earn you bonus points.  So think about where your business spends the most money and if your expenses are included in any of these bonus categories.

  • Chase Ink Business Preferred:
    • 3X Chase Ultimate Rewards points per $1 on the first $150,000 spent in combined purchases each account anniversary year on travel, shipping purchases, internet / cable / phone services, and advertising purchases with social media sites or search engines
    • 1X Chase Ultimate Rewards points per $1 spent on everything else
  • Chase Ink Business Cash:
    • 5% cash back (5X Chase Ultimate Rewards points per $1) on the first $25,000 in combined purchases each account anniversary at office supply stores and cell phone / landline / internet / cable TV services
    • 2% cash back (2X Chase Ultimate Rewards points per $1) on the first $25,000 in combined purchases each account anniversary at gas stations and restaurants
    • 1% cash back (1X Chase Ultimate Rewards point per $1) on everything else
  • Chase Ink Business Unlimited:
    • 1.5% cashback (1.5X Chase Ultimate Rewards points per $1) on all purchases with no limits
Chase Ink Business Cash Card Earns 5% Cashback (5X Chase Ultimate Rewards Points per $1 spent) at Office Supply Stores like Office Depot
The Chase Ink Business Cash Card Earns 5% Cash Back (5X Chase Ultimate Rewards Points per $1 Spent) at Office Supply Stores Like Office Depot on the First $25,000 Spent Each Account Anniversary Year (Combined With Cell Phone / Landline / Internet / Cable TV Services)

Now that we look at spending categories we can see how these cards can really compliment each other.  While each card has categories that it excels at, the Chase Ink Business Unlimited is a great “catch-all” card to use when spending in a category that doesn’t offer bonus points on the other cards.

Travel Protection

The Chase Ink Business Preferred offers more in terms of travel protections than the other 2 cards.  It is the only card of the 3 that offers trip delay insurance (after a minimum 12-hour delay or overnight stay up to a $500 maximum per ticket) and trip cancellation / interruption insurance (up to $5,000 per covered trip).

All 3 cards share these same travel protections:

  • Primary car rental insurance:   On rentals used for business purposes
  • Lost Luggage Reimbursement:   Up to $3,000 per person
  • Travel accident insurance:   Up to $500,000
  • Baggage delay insurance:   Minimum 6-hour delay, $100 maximum per day for 3 days (or up to 5 days with Ink Business Preferred)

The Chase Ink Business Preferred is the better card if you travel a lot because it offers the best travel protection.  The other 2 cards still offer great coverage though, especially for no-annual-fee cards.

Cell Phone Protection

Currently, the only card of the 3 that offers cell phone protection is the Chase Ink Business Preferred.  As long as you pay your cell phone bill with this card, you will get automatic cell phone insurance.

Whats The Best Credit Card For Me
Many Folks Use the Chase Ink Business Preferred Just Because of Its Cell Phone Protection Benefit

This includes up to $600 of protection against damage or theft for up to 3 times per 12-month period.  There is a $100 deductible, but that still means up to $500 back towards a replacement phone!

You can check out how team member Keith successfully filed a claim with the Chase Ink Business Preferred cell phone insurance after he dropped his phone and cracked the screen.

Common Questions With the Chase Ink Business Cards

Here are some of the most common questions we get about these cards.

Can You Use Points From the Cash Back Cards for Travel?

The Chase Ink Business Unlimited and Chase Ink Business Cash are cash back cards.  But, the cash back is earned in the form of Chase Ultimate Rewards points (each point is worth 1 cent when redeemed for cash back or paid travel through the Chase Ultimate Rewards Travel Portal).

But if you have one of Chase’s annual-fee travel credit cards, like the Chase Ink Business Preferred, Chase Sapphire Reserve, or Chase Sapphire Preferred, you can combine your points and redeem them at a higher rate through the Chase Ultimate Rewards Travel Portal.  Or transfer them to Chase’s airline and hotel partners like United Airlines, Hyatt, and Singapore Airlines!


Can You Have Multiple Ink Business Cards?

Yes, you can apply for and use all 3 of these cards for the same business.  And you can combine the points you earn with points from any other Chase Ultimate Rewards points earning cards.

So if you already have one version of the Chase Ink Business cards, you can still get the others!

Does the Chase 5/24 Rule Apply?

All of these cards are treated the same way, in that they are subject to the 5/24 rule but do NOT contribute towards the 5/24 count.

So if you’ve opened 5+ cards in the past 24 months (except Chase business cards and certain other business cards), you likely won’t be approved for any of the Chase Ink Business cards.

You Can Have Multiple Chase Ink Cards Without Contributing Towards Your 5/24 Count

However, getting these cards will NOT contribute to your 5/24 count for other Chase cards.  So they’re a good pick if you’re trying to stay below 5/24.

Bottom Line

Chase offers 3 excellent choices in small business credit cards, all of which earn valuable Chase Ultimate Rewards points:

Folks who travel often will benefit from the Chase Ink Business Preferred because of its increased travel protections, and the 3X points per $1 spent in travel.  This is also the only card of the 3 that offers cell phone protection and no foreign transaction fees.  But it comes with a $95 annual fee.

We also love the huge 80,000 Chase Ultimate Rewards points welcome bonus after meeting minimum spending requirements.

The Chase Ink Business Cash and Chase Ink Business Unlimited cards are also excellent for small business owners because they offer different bonus points categories.  Each have a $500 bonus cash back (50,000 Chase Ultimate Rewards points) welcome bonus after meeting minimum spending requirements.  That’s a fantastic deal for a card with no annual fee.

Which card you choose will depend on your spending habits, but they are all excellent options for small business owners.  And remember, you don’t have to pick just one!  If you already have a Chase Ink card, you’re still eligible to apply for the others.

Which Chase Ink Business card is your favorite?

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Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Do any of the other cards besides business preferred get 3x points from Plastiq?