Chase Ink Business Cards Comparison
March 22, 2026
Quick Answer
The Chase Ink Business Cash is best for office supplies and telecommunications with 5% cash back, the Ink Business Preferred excels for travel and shipping with 3X points, and the Ink Business Unlimited offers simple 1.5% cash back everywhere. Choose based on your primary spending categories and whether you prefer cash back or transferable points.
Key Takeaways
- Ink Business Cash offers 5% back on office supplies/telecom (up to $25K) with no annual fee
- Ink Business Preferred provides 3X points on travel, shipping, advertising, and internet with $95 annual fee
- Ink Business Unlimited gives flat 1.5% everywhere with no annual fee - best for simplicity
- Sign-up bonuses range from $200 to $1,000+ depending on current offers
- Points can transfer to travel partners at 1:1 ratio, potentially worth 2+ cents each
Chase Ink Business Cards Overview
Chase offers three main Ink business cards, each targeting different business needs:
Ink Business Cash Credit Card
Best for: Office supplies and telecommunications
| Category | Rewards Rate |
|---|---|
| Office supplies | 5% (up to $25K/year) |
| Internet, cable, phone | 5% (up to $25K/year) |
| Dining, gas | 2% (up to $25K/year) |
| Everything else | 1% |
| Annual fee | $0 |
| Sign-up bonus | $750 (after $6K spend) |
Ink Business Preferred Credit Card
Best for: Travel, shipping, and advertising
| Category | Rewards Rate |
|---|---|
| Travel, shipping, advertising, internet | 3X (up to $150K/year) |
| Everything else | 1X |
| Annual fee | $95 |
| Sign-up bonus | 100,000 points (after $15K spend) |
Ink Business Unlimited Credit Card
Best for: Simplicity and predictable rewards
| Category | Rewards Rate |
|---|---|
| Everything | 1.5% |
| Annual fee | $0 |
| Sign-up bonus | $200 (after $1.5K spend) |
Which Ink Card is Right for You?
Choose Ink Business Cash if:
- You spend heavily on office supplies
- Internet and phone bills are significant
- You want no annual fee with high category rewards
Choose Ink Business Preferred if:
- You spend on travel, shipping, or advertising
- You want transferable travel points
- You can justify the $95 annual fee
- You can meet the higher spending requirement
Choose Ink Business Unlimited if:
- You want simple, predictable rewards
- Your spending doesn’t fit specific categories
- You prefer cash back over points
Frequently Asked Questions
Can I have multiple Chase Ink cards?
Yes, you can have multiple Ink cards. Many business owners carry both the Cash and Preferred to maximize rewards across categories.
Do Chase Ink points transfer to partners?
Yes, Ink Business Preferred points transfer 1:1 to Chase travel partners including United, Southwest, Hyatt, and more. Ink Business Cash and Unlimited points don’t transfer unless you also have a Chase Sapphire card.
What’s the 5/24 rule?
Chase typically won’t approve you for a new card if you’ve opened 5+ credit cards in the last 24 months. This applies to personal and business cards from all issuers.
How do I redeem Chase Ink rewards?
- Cash back: Statement credit, direct deposit, or checks
- Points: Travel through Chase, gift cards, or transfer to partners (Preferred only)
Conclusion
The Chase Ink business card family offers excellent options for different business needs. Analyze your spending to determine which card - or combination of cards - will maximize your rewards.