Manage your business expenses with confidence and rewards. The Chase Ink Business lineup offers robust cash-back and transferable-point earning options—complete with $0 fee entry, powerful categories, and tools to simplify employee spending and travel.
🎁 Rewards & Sign‑Up Bonuses
Ink Business Cash
- $750 total bonus: $350 after $3,000 spent in 3 months, plus $400 after $6,000 within 6 months.
- 5% cash back (5 points/$1) on the first $25,000/year at office supply stores and on internet, cable, and phone services.
- 2% back on the first $25,000/year at gas stations and restaurants.
- 1% back on all other purchases.
Ink Business Unlimited
- $750 bonus after spending $6,000 in 3 months.
- 1.5% unlimited cash back on every purchase. No categories, no tracking.
Ink Business Preferred
- 90,000 bonus points after spending $8,000 in 3 months.
- 3X points per $1 on the first $150,000/year spent on travel, shipping, internet, cable, phone, and advertising (social/search).
- 1X point on all other purchases. Points transfer 1:1 to Chase travel partners for elevated value.
🧩 Finance & Savings: Introductory Offers
- Ink Business Cash & Unlimited: 0% intro APR on purchases for 12 months.
- Post-intro APR range: Cash 17.49–25.49%; Unlimited 17.49–23.49%.
- Ink Business Preferred: No intro APR.
- Ongoing APR: Approx. 20.24–29.99%.
🔧 Tools & Management Features
- Issue free employee cards with individualized limits.
- Monitor spending via fraud alerts, account alerts, and Chase online tools.
- Purchase protection for 120 days up to $10,000 per claim ($50,000 per account) and primary rental car insurance for business rentals.
- Ultimate Rewards® flexibility:
- Ink Cash & Unlimited → redeem for cash back, travel, or combine points with Sapphire/Preferred/Reserve for higher redemption value.
- Ink Preferred points transferable to airline/hotel partners with elevated travel value (typically 1.25¢–1.5¢ per point).
🔐 Security & Convenience
- $0 annual fee on Cash and Unlimited; $95 on Preferred.
- No foreign transaction fees on Preferred.
- Zero Liability protection across all cards.
- Primary auto rental collision insurance for business rentals.
- Cards include trip cancellation/interruption, lost baggage, and emergency assistance on select variants.
📄 Summary Table & Use Tips
| Card | Fee | Bonus | Earning Structure | APR Intro |
|---|---|---|---|---|
| Ink Business Cash® | $0 | $750 | 5% office & telecom, 2% gas/dining, 1% all others | 0% for 12 months |
| Ink Business Unlimited® | $0 | $750 | 1.5% on all purchases | 0% for 12 months |
| Ink Business Preferred® | $95 | 90,000 pts | 3X on travel, shipping, telecom, advertising; 1X other | None |
Pro tips:
- Choose Cash if you spend heavily in telecom/office supplies and dining.
- Choose Unlimited if predictability and simplicity are priorities.
- Choose Preferred if you spend across travel, advertising, and telecom, and want transferable points.
- Combining Cash or Unlimited with Preferred lets you pool points for maximum redemption flexibility.
✅ How to Apply
- Visit the Chase Ink Business page (Cash, Unlimited, or Preferred).
- Use prequalification tools to check eligibility without affecting your credit.
- Complete the online application with business and personal details.
- Spend the required bonus thresholds within the first 3–6 months to unlock rewards.
- Activate employee cards and set spending limits as needed.
- Use protected auto rental insurance, set alerts, and redeem points via Ultimate Rewards or travel partners.
🚀 Final Take
The Chase Ink Business series offers versatile, no‑fee or low-fee options tailored to different spending habits:
- Ink Business Cash® for category-heavy earners
- Ink Business Unlimited® for flat‑rate simplicity
- Ink Business Preferred® for higher earnings and travel flexibility
Together, they offer powerful tools for small-business owners who want smart rewards, security, and financial control. Apply today to start earning cash back or transferable points that work for your business—and your travel goals.
