As a small business owner, you want a credit card that will help you manage your cash flow and maximize rewards for purchases you're already making. Chase offers three of the top business credit cards that fit that criteria.
The Chase Ink Business suite of credit cards offers rewards on your spending and the ability to redeem your rewards for cash, gift cards, travel, and more. But each of the three cards -- Chase Ink Business Unlimited, Chase Ink Business Cash, and Chase Ink Business Preferred -- offers unique benefits and higher rewards in certain spending categories.
We've made it easier to help you decide which Chase Ink Business card is right for your business. Below, you'll learn the pros and cons of each card -- and even how to maximize the benefits by pairing two or more of the cards together.
Chase Ink Business Unlimited? Credit Card
card highlights intro bonusEarn$750 bonus cash back after you spend$6,000 on purchases in the first 3 months from account opening
APR18.24% - 24.24% Variable
recommended creditGood, Excellent
reward rates - Earnunlimited 1.5% cash back on every purchase made for your business
annual fee$0
intro purchase APR0% Intro APR on Purchases for 12 Months
additional details balance transfer feeEither$5 or 5% of the amount of each transfer, whichever is greater.
balance transfer APR18.24% - 24.24% Variable
foreign transaction fees3% of each transaction in U.S. dollars.
penalty APRUp to 29.99%
rewards & redemption details - Earn unlimited 1.5% cash back on every purchase made for your business
Pros:
- No annual fee
- Generous new cardmember bonus
- 1.5% cashback in all categories
- Pairs with Chase Ultimate Rewards Cards
Cons:
- No bonus categories
- Foreign transaction fee
Chase Ink Business Unlimited? Credit Card
View now Chase Ink Business Cash? Credit Card
card highlights intro bonusEarn $750 bonus cash back after you spend$6,000 on purchases in the first 3 months from account opening
APR18.24% - 24.24% Variable
recommended creditGood, Excellent
reward rates - 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 card purchases with no limit to the amount you can earn
annual fee$0
intro purchase APR0% Intro APR on Purchases for 12 months
additional details balance transfer feeEither$5 or 5% of the amount of each transfer, whichever is greater.
balance transfer APR18.24% - 24.24% Variable
foreign transaction fees3% of each transaction in U.S. dollars.
penalty APRUp to 29.99%
rewards & redemption details - 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 card purchases with no limit to the amount you can earn
Pros:
- No annual fee
- Generous new cardmember bonus
- High rewards in certain spending categories
- Pairs with Chase Ultimate Rewards cards
Cons:
- Annual cap on rewards for bonus categories
- Minimum rewards in non-bonus categories
- Foreign transaction fees
Chase Ink Business Cash? Credit Card
View now Chase Ink Business Preferred? Credit Card
card highlights intro bonusEarn 100k bonus points after you spend$15,000 on purchases in the first 3 months from account opening. That's$1,000 cash back or$1,250 toward travel when redeemed through Chase Ultimate Rewards?
APR20.99% - 25.99% Variable
recommended creditGood, Excellent
reward rates - 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