Quick insights
- Opening a business credit card may be a helpful way to access benefits and earn rewards to reinvest in your business.
- Chase Ink business cards offer flexible ways to earn cash back or Chase Ultimate Rewards® points.
- Ink credit cards may offer welcome benefits for new cardmembers.
If you’re a business owner, keeping separate business and personal accounts may be a helpful way to manage your finances and pay your taxes. The Chase Ink suite of business credit cards provides four business card options, each with varying benefits and rewards.
Read on to learn about the Chase Ink business card options and their benefits to find out which one may work best for you.
What are Chase Ink Business Cards?
Business credit cards allow you to access credit with a set limit and APR terms. It works like a personal credit card, except that you’ll use it for business expenses instead of personal expenses. This could provide a convenient way to separate work and personal finances.
Chase offers the following suite of Ink business cards:
- Ink Business Preferred® Credit Card
- Ink Business Cash® Credit Card
- Ink Business Unlimited® Credit Card
- Ink Business Premier®Credit Card
Here are the highlights of each one:
Ink Business Preferred Credit Card
- Earn 3 points per $1 on the first $150,000 spent in combined purchases on shipping purchases; advertising purchases made with social media and search engines; internet, cable and phone services; and travel each account anniversary year.
- Earn 1 point per $1 spent on all other purchases with no limit to the amount you can earn.
- Redeem points for cash back, gift cards and more through Chase Ultimate Rewards.
- Points would be worth 25% more when you redeem for travel through Chase Travel℠. For example, 100,000 points are worth $1,250 towards travel.
- Transfer points to several major frequent travel programs at full 1:1 value. That means one Chase Travel point would equal one partner mile.
Ink Business Cash Credit Card
- 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% unlimited cash back on all other purchases with no limit to the amount you can earn.
- Redeem rewards for cash back, gift cards and more through Chase Ultimate Rewards.
- Use points, your card or a combination of both to book travel with Chase Travel.
Ink Business Unlimited Credit Card
- Earn unlimited 1.5% cash back on every business purchase.
- Redeem rewards for cash back, gift cards and more through Chase Ultimate Rewards.
- Use points, your card or a combination of both to book travel with Chase Travel.
Ink Business Premier Credit Card
- Earn 2.5% total cash back on every purchase of $5,000 or more.
- Earn 2% unlimited cash back on all other business purchases.
- Redeem rewards for cash back, gift cards and more through Chase Ultimate Rewards.
- Use points, your card or a combination of both to book travel with Chase Travel.
Ink points and cash back rewards don’t expire as long as your account is open. Additionally, every Chase Ink credit card provides the following benefits:
- Employee cards at no additional cost
- Travel protection benefits
- Purchase protection benefits
- Extended Warranty Protection
How do I choose a Chase Ink Business Card for my business?
The right credit card for your business will vary depending on what you regularly purchase and how much you typically spend.
For example, the Ink Business Preferred card allows you to earn points on everyday purchases. This is a flexible option because you can redeem those points for cash back, travel, gift cards and more.
If you want to earn accelerated points on common business purchases but prefer cash back, the Business Cash card may suit you better. Or if you’d rather have consistent cash back on all purchases, the Business Premier or Business Unlimited card may be better options.
Chase Ink Card travel benefits
Ink cards also provide a range of travel benefits:
- Auto Rental Collision Damage Waiver: Provides reimbursem*nt for damage due to collision or theft for most rental vehicles. It is primary insurance when you’re renting for business purposes. Offered on all Ink cards.
- Lost Luggage Reimbursem*nt: Reimburses you for costs to replace checked luggage and/or carry-on. Offered on all Ink cards.
- Baggage Delay Reimbursem*nt: Reimburses emergency purchases of essential items if an insured person’s baggage is delayed for more than six hours on a covered trip. Offered on Ink Business Preferred and Ink Business Premier cards.
- Trip Cancellation and Trip Interruption Insurance: Reimburses up to $5,000 per person and $10,000 per trip for pre-paid, non-refundable travel expenses if your trip is cancelled or interrupted due to sickness, severe weather or other covered situations. Offered on Ink Business Preferred and Ink Business Premier cards.
While all Ink cards provide travel benefits, the Business Preferred and Business Premier cards have the most comprehensive options. If you travel a lot for business, you may find the trip cancellation and trip interruption insurance helpful.
Chase Ink Card cash back benefits
Each Chase Ink business card allows cardmembers to earn Chase Ultimate Rewards points. Points can be redeemed for cash back, travel benefits, statement credits, or Amazon or PayPal credits.
Extra Chase Ink Card benefits
In addition to travel and cash back benefits, Chase Ink business cards also offer a variety of other benefits, including:
- Cell Phone Protection: Get up to $1,000 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill. Offered on Chase Ink Business Preferred and Ink Business Premier cards.
- Purchase Protection: Covers new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account. Offered on all Ink cards.
- Extended Warranty Protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less. Offered on all Ink cards.
- Roadside Dispatch: Call 1-800-847-2869 when you have a roadside emergency. Roadside service fees will be provided when you call and will be billed to your card. Offered on all Ink cards.
In summary
Each Ink business credit card offers different reward opportunities and benefits so you can find the best option for your business. Whether you travel frequently for business or simply want consistent cash back on everyday purchases, there’s likely an Ink card to accommodate you.
Already have an Ink business credit card and would like to review your rewards and benefits? All you need to do is sign into your Chase.com account. Visit our Credit Card Benefits portal to learn more.
