The Chase Ink business cards all come with hefty sign-up bonuses, and the best one depends mostly on how you spend and travel

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  • The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card recently came out with increased limited-time bonus offers. With either card, you can earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
  • Meanwhile, the Ink Business Preferred® Credit Card is offering 100,000 points after spending $15,000 on purchases in the first 3 months from account opening, worth $1,250 in travel when you book through the Chase Ultimate Rewards travel portal.
  • Any of these small-business credit cards can be a good deal, but the right card for you depends on how your business spends and how you want to redeem your Chase Ultimate Rewards points.
  • Read Business Insider's guide to the best small-business credit cards.

Over the last few months, all three of the Chase Ink business credit cards have come out with the highest bonus offers we have ever seen. The Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card are offering $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Further, the Ink Business Preferred® Credit Card is offering an enormous bonus of 100,000 points after spending $15,000 on purchases in the first 3 months from account opening — worth $1,250 in travel booked through the Chase travel portal.

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.

Chase Ink Business Cash vs Unlimited vs Preferred: Comparison

Ink Business Cash® Credit CardInk Business Unlimited® Credit CardInk Business Preferred® Credit Card

Annual fee

$0

Annual fee

$0

Annual fee

$95

Rewards rate

5% cash back (5x points) at office supply stores and on internet, cable, and phone services*

2% cash back (2x points) at gas stations and restaurants*

1% cash back (1x points) on all other purchases 

Rewards rate

1.5% cash back (1.5x points) on all purchases with no cap

Rewards rate

3x points on travel, shipping, phone/cable/internet, and search engine or social media advertising purchases**

1x points on all other purchases

Welcome bonus

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Welcome bonus

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Welcome bonus

100,000 points after spending $15,000 on purchases in the first 3 months from account opening

Foreign transaction fee

Yes

Foreign transaction fee

Yes

Foreign transaction fee

No

Rewards options

Redeem rewards for cash back, statement credits, merchandise, or travel through Chase

Rewards options

Redeem rewards for cash back, statement credits, merchandise, or travel through Chase

Rewards options

Redeem rewards for cash back, statement credits or merchandise;get 25% more value when you redeem points through the Chase travel portal, or transfer to Chase Ultimate Rewards airline and hotel partners

Learn moreLearn moreLearn more

*5% cash back and 2% cash back on the Ink Business Cash® Credit Card on up to $25,000 in combined purchases each year, then 1% cash back.

**3x points on the Ink Business Preferred® Credit Card on up to $150,000 in combined purchases each year, then 1x.

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.

Who should consider the Chase Ink Business Cash?

Ink Business Cash® Credit Card

Chase Ink Business Cash® Credit Card

Another benefit of the Ink Business Cash® Credit Card is its introductory 0% APR offer on purchases for the first 12 months (then a 13.24%–19.24% variable APR), which 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.

Chase Ink Cash: Pros

  • No annual fee
  • Generous sign-up bonus and earning rates in common business categories
  • Good benefits for a no-annual-fee credit card
  • Introductory 0% APR on purchases for the first 12 months 

Chase Ink Cash: Cons 

  • Bonus rewards categories come with annual caps
  • 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
  • Only 1% cash back (1x points) on non-bonus spending
  • Charges foreign transaction fees

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?

Ink Business Unlimited® Credit Card

Chase Ink Business Unlimited® Credit Card

You'll also get the same $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Further, the same introductory 0% APR on purchases for 12 months applies, followed by a 13.24%–19.24% 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.

Chase Ink Unlimited: Pros

  • No annual fee
  • Generous sign-up bonus and flat-rate rewards on all spending (no categories to track)
  • Introductory 0% APR on purchases for the first 12 months

Chase Ink Unlimited: 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?

Ink Business Preferred® Credit Card

Chase Ink Business Preferred® Credit Card

The sign-up bonus on the Ink Business Preferred® Credit Card is a lot higher than the other cards. You can redeem the 100,000 points you'll earn for $1,000 in cash back or statement credits, or $1,250 in travel through the Chase portal. However, you also have to meet a higher spending requirement of $15,000 within three months to unlock this bonus.

This card also earns 3x points 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 the same perks as the other Chase Ink cards, plus trip cancellation and interruption insurance worth up to $5,000 per person and up to $10,000 per trip, and cell phone protection worth up to $600 per claim.

Just be aware that a $95 annual fee applies, and it is not waived the first year. However, there are no foreign transaction fees charged on purchases made abroad.

Chase Ink Preferred: 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 sign-up bonus
  • No foreign transaction fees on purchases made outside the US

Chase Ink Preferred: Cons

  • Sign-up bonus 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.

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