Most products on this page are from partners who may compensate us. This may influence which products we write about and where and how they appear on the page. However, opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain.

Opening a business bank account and getting a business credit card are important steps for business owners. It helps separate personal and business finances, maintain compliance with legal regulations, provide financial security and give your business a more professional appearance to customers and vendors. A business credit card can also offer additional benefits such as cash-back rewards, discounts, special offers and better expense tracking.

Two current offers from Chase—one for banking and one for credit cards—may make sense for many small businesses, or even those with side hustles. Let’s unpack some of the details to consider when contemplating these offers from Chase.

Chase Ink Business Credit Cards: Up to 100,000 Points

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.

Ink Business Cash® Credit Card

Apply Now

Secure application on issuer’s website

  • Our Rating 4.5/5 How our ratings work Read the review
  • APR18.49% - 24.49% (Variable)
  • Annual Fee$0
  • Sign-Up Bonus $750Cash Bonus More Info

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

Business owners looking to earn a high rate of cash back on common business expenses like office supplies and internet could get a lot of value from this card. The trade-off for the high cash-back rate, though, is a lower spend cap than you’ll find with other Ink Business cards.

Overview

The Ink Business Cash® is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.

Pros

  • No annual fee
  • 5x back on a broad array of business spending categories
  • Robust travel and purchase protections
  • Don't need a full-fledged business to apply

Cons

  • Businesses that don't spend on the category bonuses won't benefit

The Ink Business Cash® Credit Card can help you recoup some of the expenses that come with running a business as it offers increased cash back rewards on certain types of business expenses:

  • 5% cash back on the first $25,000 spent on office supplies, internet, cable and phone services 
  • 2% cash back on the first $25,000 spent on gas and restaurant purchases
  • 1% unlimited cash back on all other spending categories

The $25,000 limit in these specific categories will reset on the anniversary date of your account activation. 

Additional perks:

  • Rental car collision coverage 
  • Fraud protection
  • Travel assistance
  • Protection against unauthorized purchases 

Ink Business Preferred® Credit Card

Apply Now

Secure application on issuer’s website

  • Our Rating 4.5/5 How our ratings work Read the review
  • APR21.24% - 26.24% (Variable)
  • Annual Fee$95 More info

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

  • Sign Up Bonus 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)

Those with travel and advertising expenses will like the high earning rates in these categories, plus cardholders can eke out even more value with fully transferable rewards through the Chase Ultimate Rewards portal. One drawback is the modest annual fee, though many can offset this with the card’s earning potential.

Overview

This card offers a whopping 100,000 bonus points after you spend $8,000 in the first three months — with the card’s 25% bonus on travel booked through Chase, that’s worth $1,250. But you could potentially get more through one of the bank’s transfer partners. The rewards you earn from the Ink Business Preferred Card can be transferred to 10 different airline partners including United, Southwest, Virgin Atlantic, Singapore and British Airways, as well as hotel partners Hyatt, Hilton and Marriott.

Unlike the other two Ink Business cards, you can use this card to transfer your rewards directly to airline miles and hotel points. Travelers may also like this card’s cellphone protection policy that will cover up to $600 per claim.

Pros

  • 3x points on 5 different categories (up to $150,000)
  • Robust travel, purchase and cellphone protections
  • Ability to earn transferable points to use on travel partners
  • No additional charge for extra cards for additional authorized users

Cons

  • $95 annual fee
  • Businesses that don't spend on the category bonuses won't benefit

The Ink Business Preferred® Credit Card is an intriguing option for small businesses looking to manage their spending. This card offers ample rewards in various categories that are beneficial for a variety of businesses. Rewards categories and details of the Ink Business Preferred® card are: 

  • 3x points on the first $150,000 spent on:
    • Travel expenses
    • Internet, cable and phone services
    • Advertising cost through social media outlets and search engines
    • Shipping expenses
  • 1x point on all other spending categories 

The $150,000 limit in these specific categories will reset on the anniversary date of your account activation.

Additional perks:

  • Redeem rewards through the Chase Ultimate Rewards program for cash back, gift cards or sttatement credits
  • 120-day purchase protection covering damage or theft on new purchases for your business: $10,000 limit per claim and $50,000 claim limit per account

The card does come with a $95 annual fee, which might not suit businesses that don’t spend a significant amount in the increased rewards categories and can't fully benefit from this card.

Ink Business Unlimited® Credit Card

Apply Now

Secure application on issuer’s website

  • Our Rating 4.5/5 How our ratings work Read the review
  • APR18.49% - 24.49% (Variable)
  • Annual Fee$0
  • Sign-Up Bonus $750Cash Bonus More Info

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

If you’re looking for a solid business credit card with unlimited earning potential, this could be it. With a 1.5% cash-back rate, it earns less than the other Ink Business cards, but you can put earning on autopilot with no spending limits or categories to juggle.

Overview

The Chase Ink Business Unlimited® credit card is one of the best business credit cards on the market, and if you use it right by pairing it with a Chase card with an annual fee, you can unlock access to valuable transferable Ultimate Rewards points that you can move to travel partners.

Pros

  • No annual fee
  • Easy earning structure of 1.5X back on everything with no limits
  • Robust travel and purchase protections

Cons

  • Businesses that spend more on bonus categories won't earn more in rewards
  • 1.5X isn't the highest earning rate

The Ink Business Unlimited® Credit Card is a great option for business owners who prefer a simple and straightforward rewards program without the complexity of bonus categories. It's a solid choice for small businesses that prioritize cash back rewards over annual fees or higher credit requirements.

Additional perks:

  • Rental car collision coverage
  • Fraud protection
  • Travel assistance
  • Protection against unauthorized purchases 

However, this card might not be the best fit for your business if you have high expenditures in categories where other cards offer greater cash back incentives. This could leave you missing out on additional cash back.

Which Ink Business Card Is Right For You?

When it comes to managing your business finances, getting one of the Chase business credit cards can be a smart move. Imagine unlocking generous sign-up bonuses and earning rewards on your everyday business expenses. It's like finding a pot of gold at the end of the rainbow.

Keep in mind that every business is unique and has different spending habits and expense categories. Comparing your offers can help you find the best card that will maximize the benefits for your specific business, like a tailor-made suit. It's like finding the perfect fit for your business needs.

Chase Bank exterior Related Article

Best Chase Coupon Bonus Offers: $100 – $3,000 for New Customers in March

Read More

Pair With Chase Business Complete Banking: $400 for New Customers

Chase not only offers a great lineup of business credit cards, but it also has a wide range of banking services including checking and savings accounts. This makes it a great option for small businesses that mostly handle electronic transactions.

Chase Business Complete Checking®

Open Account

at Chase

  • Our Rating 5/5 How our ratings work Read the review
  • APYN/A
  • Minimum
    Deposit Required
    N/A
  • 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

With the right qualifications, you can waive the monthly service fee making it a cost-effective option compared to similar banking services. Plus, the account offers limitless transactions for:

  • Electronic money transfers 
  • ATM usage 
  • Debit card payments 
  • Internal transactions
  • Deposits made with Chase QuickDeposit℠

Think of it as a one-stop shop for all your business banking needs. With Chase Business Complete Checking®, you get the convenience of digital banking but also the peace of mind knowing you can always reach out for in-person support. As an added bonus, when you link your Chase Business credit cards and complete banking accounts, you can easily keep track of all your income and expenses, making managing your business effortless.

Chase banking at atm Related Article

6 Best Banks for Small Businesses

Read More

Bottom Line

Chase provides an extensive selection of credit cards and banking services that cater to the needs of small business owners. The Ink Business Preferred®, Ink Business Unlimited® and Ink Business Cash® credit cards are great options for businesses that want to earn rewards in various expense categories.

What's more, the Chase Business Complete Checking account is a comprehensive solution for small businesses looking for a seamless digital banking experience. With this account, you could have all your business finances organized and at your fingertips plus the option to access them anytime, anywhere. Think of it as a financial fortress, safeguarding your business's money while you focus on growing it. With Chase, you can be sure you are getting a reliable and flexible banking solution for your business.

FAQs

  • To apply for a Chase Business Complete Banking account, visit the Chase website and provide personal information such as your legal business name, tax ID and business financials. You may also be required to provide a government-issued ID and proof of business ownership. Upon submitting your application, a Chase representative will review your application and contact you with the next steps.

  • A business savings account is a type of bank account specifically designed for businesses. It allows businesses to deposit and save money while earning interest on the funds. It can be used to save for short-term or long-term financial goals, such as emergencies, investments or future expenses. A business savings account can also be connected to a business checking account to facilitate transactions and money management.

  • Chase business credit cares are designed for business owners and entrepreneurs. They can be used to manage expenses, earn rewards, and build business credit, which can be beneficial for businesses of all sizes and industries.

  • The Chase Ink Business cards are a set of credit cards designed for businesses. They offer features such as cash-back rewards, purchase protection and employee cards.

Earn More on Your Business Purchases

Best Business Credit Cards

Visit the Marketplace
Open sign
AB

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