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Ah, the joys of running a small business. From balancing the books to chasing down invoices, it can be a lot to handle. The good news is, there are a few assets that can make your life a whole lot easier. Specifically, we're talking about the winning combination of a Chase Business Complete Checking® account and a Chase Ink® Business credit card.

By coupling these two tools, you can streamline your finances, save money on fees, and earn cash back rewards. So, let's review the major benefits of having both a Chase Business Checking account and a Chase Ink credit card. 

Chase Business Complete Checking®

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  • Intro Bonus $400Expires April 18, 2024 More Info

    Earn $400 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.

The Chase Business Complete Checking® account is an attractive option. It offers the convenience of one of the largest financial institutions in the country, and it frequently offers bonuses that are relatively easy to earn. While it does not allow you to accrue interest on your funds like some other popular small business checking accounts, it's still very much worth considering if you can meet the requirements to waive its monthly fees.

Overview

The Chase Business Complete Checking® account comes loaded with a valuable sign-up bonus and an assortment of helpful perks, so long as you can meet the requirements to waive its monthly fees. It’s a good fit for many business checking customers, regardless of business size.

Pros

  • Generous signup bonus
  • Several options to waive monthly fee
  • Same-day deposits using QuickAccept℠ service
  • Huge network of in-person branches and ATMs

Cons

  • Monthly maintenance fee
  • Overdraft fees are relatively high
  • Limit on fee-free cash deposits and physical transactions

Unified Business Banking With Chase

For starters, small business owners have several options to choose from for their checking account needs. Here are the Chase Business Bank account options:

  1. Chase Business Complete Checking®
  2. Chase Performance Business Checking®
  3. Chase Platinum Business Checking℠

In addition to the three Chase small business checking account options, small business owners can also take advantage of one of the Chase Ink Business Cards, which are designed specifically for business expenses. 

Combining a Chase Ink Credit Card With a Chase Business Checking Account

By unifying their banking and credit card processing, small business owners can streamline their operations, save time and focus on growing their businesses. Below we’ll discuss what small business owners stand to gain from this winning combo. 

Double Sign-Up Bonus

Signing up for both a Chase Business Checking account and an Ink business credit card gives you two opportunities to earn sign-up bonuses. Throughout the year Chase promotes incentives to new account openers for both checking and credit card accounts.

Compare Chase Ink Business Credit Cards

Credit Card Intro Bonus Annual Fee Rewards Rate Learn More

Ink Business Unlimited® Credit Card

$750Cash Bonus More Info

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

$0 1.5%Cashback More Info

Earn unlimited 1.5% cash back on every purchase made for your business. The advertised rewards type is cash back, but it’s important to note that you’re technically earning Chase Ultimate Rewards points (which can then be converted to cash back).

Ink Business Cash® Credit Card

$750Cash Bonus More Info

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

$0 1% - 5%Cashback More Info

Earn 5% cash back on your first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It also offers you 2% cash back on your first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

Ink Business Preferred® Credit Card

100,000Chase Ultimate Rewards Points More Info

Earn 100,000 bonus points after you spend $8,000 in the first three months Dollar Equivalent: $2,300 (100,000 Chase Ultimate Rewards Points * 0.023 base)

$95 More info

This fee includes extra cards for authorized users, such as employees, at no additional charge.

1x - 3xPoints More Info

Earn 3x points on the first $150,000 of combined spending in a number of key business categories

Ink Business Premier℠ Credit Card

$1,000Cash Bonus More Info

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

$195 Up to 2.5%Cashback More Info

Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.

Waived Monthly Fees

When you have both a Chase Business Checking account and a Chase Ink credit card, you can receive a waiver on the monthly maintenance fee for your business checking account. This can save you money on your banking fees.

This offer is only available for the Chase Business Complete Checking account and you must spend $2,000 on purchases each month using your Chase Ink Business Card(s) to waive your monthly service fee.

Clearly View Your Business Financials

If you use your Chase Ink credit card for purchases and also have a Chase Business Checking Account, you can link the two under one account to simultaneously view your business finances from one screen. This offers clarity and better view of the "big picture" from the income coming in and the spending going out of your business.

Quick Tip

You can link external accounts through Chase, too. Within the Chase Mobile App you can connect 401(k) accounts, savings accounts and more from other institutions.

Additional Benefits of Chase Banking

While this doesn’t ride specifically on having both a Chase Business Checking account and Ink business credit card, there are some additional perks included in the Chase banking experience:

  • Improved cash flow: Both a Chase Business Checking account and a Chase Ink credit card allow you to take advantage of features like overdraft protection and flexible payment options, which can help you manage your cash flow more effectively.
  • Access to business credit: If you have a Chase Business Checking account and a Chase Ink credit card, you may be eligible for a business line of credit, which can help you access additional funds to support your business operations.
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Chase Ink + Chase Business Checking: A Winning Combo

Having both a Chase Business Checking Account and a Chase Ink credit card can be a game changer for small business owners. If you're a small business owner looking to take your finances to the next level, we recommend considering the benefits of this powerful duo.

FAQs

  • There is no set limit. Some cardholders have been able to obtain multiple business and personal credit cards through Chase Bank. Ultimately it's your credit health and income that determine your acceptance.

  • Yes, Chase allows users to have multiple accounts. You can even name them separately and have different direct deposit setups and autosave features for each.

  • Yes, you can add a business credit card to your Chase account. You can log in to your Chase account and apply for a business credit card under the Business tab at the top of the page.

  • Yes, you can have multiple business checking accounts at Chase. You will need to open each account separately and provide the necessary documentation for each one.

  • If you have either a Chase Business Checking account or a Chase Ink Business Credit Card, you already have a Chase account. So if you sign up for another product using the same account the link should carry over automatically. 

    There have been instances where the link isn’t automatic. You’ll know because you’ll have two separate logins where one shows the card and not the checking account and vice versa. If this happens go to a branch or call customer service to get it fixed.

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Ashlyn Brooks

Ashlyn Brooks is a financial writer and former civil engineer. She's on a mission to show others how to save and spend smarter through purposeful money habits. Her work has been featured on Investor.com, HerMoney.com, MoneyGeek and QuickBooks