Chase offers a range of business credit cards catering to different needs.
In this comparison, we will detail the specific features and benefits of the:
- Chase Ink Business Premier℠
- Chase Ink Business Unlimited®
- Chase Ink Business Cash℠, and
- Chase Ink Business Preferred® credit cards
Table of Contents
Chase Ink Business Premier℠
New Cardmember Offer
The Chase Ink Business Premier℠ provides a $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months after account opening.
Earning Rewards
This card allows for cash back on every purchase with an enhanced rate of 2.5% cash back on every purchase of $5,000 or more. There are no limits to the cash back you can earn.
Pricing
The card has a $195 annual fee and offers a variable APR ranging from 19.49% to 27.49%. It does not charge foreign transaction fees.
Using Rewards
Cashback rewards can be redeemed for cash any time and do not expire as long as your account is open. However, points earned with this card cannot be transferred to other Chase cards or Chase Travel Partners.
Chase Ink Business Unlimited®
New Cardmember Offer
The Chase Ink Business Unlimited® offers a $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after opening the account.
Earning Rewards
This card features unlimited 1.5% cash back on every purchase without limits to the amount you can earn.
Pricing
There is no annual fee for this card, which makes it an economical choice. However, it does have a foreign transaction fee of 3% and a 0% introductory APR on purchases for 12 months, followed by a variable APR of 18.49% to 24.49%.
Using Rewards
You can redeem cash back any time, and these rewards do not expire as long as your account remains open.
Chase Ink Business Cash℠
New Cardmember Offer
The Chase Ink Business Cash℠ card offers a $750 bonus cash back after you spend $6,000 on purchases in the first 3 months.
Earning Rewards
This card provides 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services. Additionally, you can earn 2% cash back at gas stations and restaurants.
Pricing
The card does not have an annual fee and features a 0% introductory APR for 12 months. After that, a variable APR of 18.49% to 24.49% applies.
Using Rewards
Cashback can be redeemed at any time and does not expire as long as the account is open.
Chase Ink Business Preferred®
New Cardmember Offer
The Chase Ink Business Preferred® offers 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
Earning Rewards
You can earn 3 points per $1 on the first $150,000 spent in combined purchases each account anniversary year in select categories. All other purchases earn an unlimited 1 point per $1 spent.
Pricing
There is a $95 annual fee, with no foreign transaction fees. The APR is variable, ranging from 21.24% to 26.24% on purchases and balance transfers.
Using Rewards
Points are flexible, allowing for cashback or travel redemptions, and are worth 25% more when redeemed for travel through Chase Ultimate Rewards®. They do not expire as long as the account is open.
Q&A – Chase Business Cards – Premier vs. Unlimited vs. Cash vs. Preferred
What are the annual fees for each Chase business card?
- Chase Ink Business Premier℠: $195 annual fee
- Chase Ink Business Unlimited®: No annual fee
- Chase Ink Business Cash℠: No annual fee
- Chase Ink Business Preferred®: $95 annual fee
Do any of the Chase business cards offer bonus rewards on purchases?
Yes, all four cards offer bonus rewards on purchases:
- Chase Ink Business Premier℠: Earn 2.5% cash back on every purchase of $5,000 or more.
- Chase Ink Business Unlimited®: Unlimited 1.5% cash back on every purchase.
- Chase Ink Business Cash℠: 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; 2% cash back at gas stations and restaurants.
- Chase Ink Business Preferred®: Earn 3 points per $1 on the first $150,000 spent on combined purchases in select categories each account anniversary year.
Are there foreign transaction fees associated with any of the Chase business cards?
Yes, two of the cards have foreign transaction fees:
- Chase Ink Business Unlimited®: 3% foreign transaction fee.
- Chase Ink Business Cash℠: 3% foreign transaction fee.
- Chase Ink Business Premier℠ and Chase Ink Business Preferred®: No foreign transaction fees.
What are the introductory offers available for new cardmembers of Chase business cards?
- Chase Ink Business Premier℠: Earn $1,000 bonus cash back after spending $10,000 in the first 3 months.
- Chase Ink Business Unlimited®: Earn $750 bonus cash back after spending $6,000 in the first 3 months.
- Chase Ink Business Cash℠: Earn $750 bonus cash back after spending $6,000 in the first 3 months.
- Chase Ink Business Preferred®: Earn 100,000 bonus points after spending $15,000 in the first 3 months.
Can rewards points be transferred to other cards or partners with the Chase business cards?
Rewards points earned with the Chase Ink Business Premier℠ cannot be transferred to other Chase cards or Chase Travel Partners. However, points earned with the Chase Ink Business Preferred® can be transferred to various airline and hotel partners through the Chase Ultimate Rewards program.
Is there an introductory APR offer on any of the Chase business cards?
Yes, the Chase Ink Business Unlimited® and Chase Ink Business Cash℠ cards offer a 0% introductory APR on purchases for 12 months. After that, a variable APR applies.
How do the cash back rewards work for the Chase Ink Business Cash℠ card?
The Chase Ink Business Cash℠ card offers:
- 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.
- 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants.
- 1% cash back on all other purchases with no limit on the amount you can earn.
What is the value of points when redeemed for travel with the Chase Ink Business Preferred® card?
Points earned with the Chase Ink Business Preferred® card are worth 25% more when redeemed for travel through Chase Ultimate Rewards. For example, 100,000 points are worth $1,250 towards travel.
Are there any categories that earn higher rewards with the Chase business cards?
Yes, there are specific categories for each card that earn higher rewards:
- Chase Ink Business Premier℠: Higher cash back on purchases of $5,000 or more.
- Chase Ink Business Cash℠: Office supply stores, internet, cable, phone services, gas stations, and restaurants.
- Chase Ink Business Preferred®: Travel, shipping purchases, internet, cable and phone services, and advertising purchases with social media sites and search engines.
Do rewards expire on any of the Chase business cards?
No, rewards do not expire on any of the Chase business cards as long as your account remains open and in good standing.
Conclusion
When choosing a business credit card, consider the spending habits of your business, the types of rewards you value most, and the importance of an annual fee to your budgeting.
Each Chase business card offers unique advantages that can align with different business needs and goals.
