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How to maximize Chase Ink business credit cards

Whether you’re building or maintaining a business, you’re constantly investing in its success


Use Chase Ink business credit cards to get rewarded for your spending in the present and the future.

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You may feel like you’re constantly spending money left and right in hopes your improvements pay off long-term – but why not get rewarded for your spending in the present as well as the future? The Chase Ink business credit cards allow you to do that.

Whether you choose Chase’s Ink Business Unlimited® Credit Card for consistent 1.5% cash back on all business purchases, the Ink Business Cash® Credit Card for 5% cash back on select business spending categories or the Ink Business Preferred® Credit Card for 3X points on travel, shipping and other business categories, you’ll always get rewarded for your business spending.

But that’s not all these cards offer. Let’s take a closer look.

Ink Business Unlimited Credit Card

The Ink Business Unlimited is for the business owner who wants to get rewarded for business spending but doesn’t want to mess around with trying to remember which spending categories give them the most cash back. Instead, they’d rather get cash back on everything for their business.

Sure, the rate of 1.5% is lower than you may get on other business credit cards that offer cash back but with that rate on all your business spending, the cumulative cash back could quickly add up. Plus, there are other benefits that may sweeten the offer:

  • $750 in bonus cash back after you spend $7,500 in the first three months after opening an account
  • 0% APR on purchases for the first 12 months after account opening, with a 13.99% to 19.99% variable APR after that
  • No annual fee
  • Additional employee credit cards at no extra cost

Ink Business Cash Credit Card

This card offers 5% cash back on business expenses like office supplies, cable, internet and telephone services for the first $25,000 spent annually and 2% cash back on gas and dining on the first $25,000 spent annually. After that, you get 1% cash back on these purchases and all other purchases with no limit to how much you can earn.

If that’s not enough, there are a few additional benefits:

  • $750 in bonus cash back when you spend $7,500 in the first three months after account opening.
  • Redeem your cash back at 1 cent per point for a statement credit, as cash in most checking or savings accounts, on gift cards or on travel and Apple purchases through the Chase Ultimate Rewards
  • Additional employee credit cards available at no extra cost
  • No annual fee

Ink Business Preferred Credit Card

If points are your preferred reward for business expenses, the Ink Business Preferred is the card for you. It offers 3 points per $1 on common business purchases like travel, shipping, internet advertising and internet, cable and phone services (on up to $150,000 in combined spending per year).

The $95 annual fee may turn you off, but there are several additional benefits that come with this card, including a higher sign-up bonus than what’s offered from Chase’s Ink Business cash back cards:

  • 100,000 bonus points (equal to $1,000 cash back and $1,250 in travel through Chase Ultimate Rewards) when you spend $15,000 in the first three months after account opening
  • Points don’t expire for as long as your account is open
  • Redeem for cash back, gift cards, travel experiences and more

Chase Ink vs. other business credit cards

The Chase Ink cards are solid choices for business owners who want to be rewarded for their spending, but let’s compare them to other business credit cards.

Capital One

Chase Ink Business is probably most closely compared to Capital One’s Spark business line. The Capital One Spark Cash Select – $500 Cash Bonus is the closest card to the Chase Ink Business Unlimited on the market. It offers the same rate of 1.5% cash back on all purchases with no cap on the amount of cash back you can earn and no annual fee.

However, where the Spark Cash Select gains some ground over the Ink Business Unlimited is in its sign-up bonus – $500 if you spend $4,500 in the first three months. Similarly, Spark Cash Select doesn’t offer an introductory APR.

Meanwhile, the Ink Business Preferred doubles the points in the sign-up bonus for the Capital One Spark Miles for Business, though the former’s spending threshold is much higher. With the Capital One Spark Miles for Business, you’ll earn 50,000 miles if you spend $4,500 in the first three months.

The Ink Business Cash gives you 5% cash back on select business purchases and 2% back on restaurants and gas stations, followed by 1% after you meet certain category spending levels. Even though the Capital One Spark Cash Plus offers 2% on all purchases and is unlimited, a 5% cash back rate is hard to beat, even with a spending cap.

American Express

Both the American Express Blue Business Cash™ Card and The Blue Business® Plus Credit Card from American Express have no annual fee and offer 0% intro APR on purchases for 12 months from the date of account opening (then 14.74% to 22.74% variable APR).

However, even though the Blue Business Cash offers 2% cash back on all eligible purchases up to $50,000 per calendar year (then 1%), it falls short compared to the Ink Business Cash Select’s elevated bonus categories.

Similarly, the Ink Business Preferred offers 3 points per $1 on select business categories up to $150,000, while the Amex Blue Business Plus offers 2X points on all purchases. So, Chase’s offering might be more valuable if you don’t expect to shell out more than $150,000 in business expenses in a year.

How to earn and redeem your rewards

It’s easy to earn Chase Ultimate Rewards points with the Ink Business cards, either through each one’s massive sign-up bonus or by spending money on eligible business purchases, such as shipping, internet, phone and cable bills and office supplies. Redeeming your rewards depends on what you’re redeeming them for.

Cash back

If you’re redeeming for cash back, log in to your Chase account and go to the “Rewards” page, click “Cash Back” and decide how many points you want to redeem. One Chase Ultimate Reward equals 1 cent. It takes up to three days for the cash back to appear in your account.


On the Chase Ultimate Rewards page, click “Travel.” Once you select flights, cruises, car rentals or hotels, select your dates and destination and you will see what’s available. You can extend your options by combining Ultimate Rewards points with cash to pay. And if you have the Ink Business Preferred card the value of your points redeemed through Chase Ultimate Rewards increases by 25%.

Gift cards

Click “gift cards” on the Chase Ultimate Rewards page, select the gift card you want and the amount you want on it. You will receive the card via email.

Apple products

From the Ultimate Rewards Page click “Shop Apple”, select the Apple product you want, adjust its specifications to what you want and check out. All Apple products ordered through the Chase Ultimate Rewards portal get free shipping, and you can combine your reward points with a debit or credit card to make your purchase.

Which Chase Ink card is best for you? 

If you prefer cash back that can be redeemed for statement credits, gift cards or travel, go for either the Ink Business Unlimited or the Ink Business Cash.

If you’d prefer points that can be redeemed for travel, Apple products and gift cards, go for the Ink Business Preferred, but know that it’s the only card of the three with an annual fee.

If you just want the same rate of cash back on all eligible business purchases with no spending cap, choose the Ink Business Unlimited but if you spend significant amounts on shipping, office supplies or your telecommunications bills and still want cash back, go with the Ink Business Cash.

Bottom line

The Chase Ink Business suite of credit cards are solid options if you want to avoid either the exorbitant annual fees attached to premium business rewards cards or want to pay no annual fee at all, but still want rewards for your spending.

You can earn and redeem the rewards attached to the Chase Ink Business cards in a straightforward, uncomplicated manner and the cash back options can even help you pay down your balance through statement credit or the 0% annual interest on purchases for 12 months promotion.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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