Chase Credit Cards Review: Ink Business Reward Options

BusinessCreditCards
3 min read

Chase Bank has three credit cards for businesses looking to take advantage of cashback offers on all purchases. 0% APR for the first twelve months is also available for the Ink Business Cash and Ink Business Unlimited credit cards.

For businesses who like collecting rewards, the Chase Ink Business Preferred credit card offers 3x points on purchase up to $150,000 per annum for shipping, travel, and online advertising. You’ll also get 1:1 points per dollar on all other purchases.

No matter which card you qualify and apply for, purchase rewards will follow.

Business Series

The new line of Chase Ink Series credit cards consists of three different options that offer cashback rewards, and benefits.

The Ink Business Cash card and Ink Business Unlimited card perks are very useful for startups as they have 0% APR purchases for the first 12 months. If you buy everything you need right away for your business on it, it’s like getting a zero-interest loan for 1 year with low monthly payments.

The Ink Business Preferred card, on the other hand, is geared towards companies that spend more than $10,000-$15,000 per month on credit card purchases. If you want maximum cashback rewards on $150,000 per annum in spending, their 3x points offer is one the best in the business.


Get Approved up for to $50,000 while earning Divvy cash back rewards
Get cash rewards and a $50k limit!

Divvy credit limits are determined by spending ability, not credit scores. Small business owners that can prove steady monthly revenues can apply for a Divvy corporate visa card.

No personal guarantee is required! All cardholders can also earn up to 7x reward points on hotels and 5x on restaurant purchases.

Get Divvy

Ink Cash

The Chase Ink Business Cash card also offers for each cashback reward for every $1 spent of the first $25,000 per account anniversary.

  • 0% intro APR on purchases made within your first 12 months
  • $750 bonus cash back after you spend $7,500 or more in the first three months
  • 5% cashback rewards on the office supplies, internet, cable, and phone services purchases
  • 2% cashback for gas station and restaurant purchases
  • 1% cashback for everything else you purchase
  • $0 annual fees, along with free fraud protection, and free employee cards
  • 13.24%–19.24% variable APR after your initial 12-month introduction
  • 3% foreign transaction fee based on conversion amount in US dollars

Ink Unlimited

The Chase Ink Business Unlimited card has a nice zero-interest offer the first year, along with 1.5% cashback on normal business purchases.

  • 0% intro APR on purchases made within your first 12 months
  • $750 bonus cash back after you spend $7,500 or more in the first three months
  • 1.5% cashback rewards outside of purchases cash-like transactions
  • $0 annual fees, along with free fraud protection, and free employee cards
  • 13.24%–19.24% variable APR after your initial 12-month introduction
  • 3% foreign transaction fee based on conversion amount in US dollars

Pricing & Terms | Offer Details

Small Business Loan
Need an unsecured business loan?

Do you need startup financing, working capital for your business, funding for equipment or real estate? Would you like to get approval in as little as 48 – 72 hours, and your funds released within days?

Various lending products ranging from $5,000 to $5,000,000 are available for most businesses, including those with limited history or bad credit, without requiring a personal guarantee.

Apply Now

Ink Preferred

The Chase Ink Business Preferred card is made for big spenders and businesses that travel. The extra reward pint and travel-related bonuses are some of the best in the business.

  • 1.5% cashback on all purchases with no cap limits
  • 100,000 bonus points after you spend $15,000 on purchases in the first 3 months ($1,000 cash back or $1,250 in travel rewards)
  • 3X Points on business-related shipping, advertising, travel, and telecom purchases up to $150,000 per annum
  • Unlimited 1:1 point per $1 spent on all other purchases
  • Points do not expire as long as your account is open
  • 25% more travel redemption points
  • Travel coverage, including trip cancellation, collision damage waiver, roadside dispatch
  • Purchase protection, including cell phone theft damage or theft, and extended warranty protection

Pricing & Terms | Offer Details

3X Points

During each account anniversary year, you can also earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories.

  • Shipping
  • Search engine and social media advertising
  • Internet, cable, and phone services
  • Travel
Get Approved for an Employee Retention Tax Credit from the IRS
Tax refund up to $26k per employee!

Through the Employee Retention Tax Credit, the IRS grants eligible employers a credit equal to 70% of qualifying wages per W2 employee, PER quarter.

If your business experienced a significant decline in gross receipts or was impacted by government shutdowns due to COVID-19, then let us help you solve the IRS’s refund application puzzle. You can prequalify today, just by answering 8 simple Yes or No questions.

Get Qualified Today

Bottom Line

If you’re looking for 0% APR purchases for the first 12 months, along with purchase cashback to pay off your interest-free payments, the Business Cash card and Business Unlimited card from Chase Bank should be on your radar.

If your business wants to convert points into cash, the Chase Ink Business Preferred card will allow you to collect 3x Points on up to $150,000 spending per year. For businesses that travel frequently, they’ll also appreciate having no extra fee on all foreign transactions and travel purchase protection.

FAQ

Below you’ll find our frequently asked questions about Ink Business Credit Cards from Chase Bank.

1 min read

Your account anniversary date Chase Ink Business credit cards is the day your was approved. Once you reach a combined $25,000 in total spending (combined 5%, 2%, or 1% purchases) your cashback will be capped until next year’s account anniversary date.

1 min read

Cash-like transactions on Chase Business Ink credit cards are a reference to lottery tickets, casino gaming chips, race track wagers, or similar betting transactions. It can also refer to any checks that access your account, interest, unauthorized or fraudulent charges, or fees of any kind, including annual fees where applicable.