If you’re a enterprise proprietor seeking to earn rewards on your online business purchases, Chase has a superb lineup of playing cards fitted to virtually any enterprise.
The Ink Business Unlimited® Credit Card (see rates and fees) is a straightforward flat-rate cash-back bank card to make use of. There’s additionally the Ink Business Cash® Credit Card (see rates and fees), one other nice cash-back product with no annual charge.
If you would like extra bang on your buck, you possibly can convert the money again earned on the Limitless or Money into Ultimate Rewards points in case you have a Chase bank card that earns these factors, such because the Chase Sapphire Reserve® (see rates and fees), Chase Sapphire Preferred® Card (see rates and fees) or the Ink Business Preferred® Credit Card (see rate and fees).
The Ink Business Premier® Credit Card (see rates and fees) could also be a strong cash-back card for your online business, however be aware that it does not enable cardholders to transform the rewards earned into Chase Final Rewards factors.
Remember the fact that these are business credit cards. You could possibly get a business credit card even when your aspect enterprise remains to be on the smaller aspect. Whilst you do not want a longtime workplace with a number of staff to use (which means freelancers and sole proprietors are additionally eligible), you will want a enterprise of some type to use for these playing cards.
Let’s run by means of an outline of every card to see which might be finest on your small enterprise.
Associated: The best time to apply for these popular Chase credit cards based on offer history
Ink Enterprise Limitless Credit score Card
Welcome bonus: Earn $750 bonus money again after spending $6,000 within the first three months after account opening. That is the usual welcome supply for this card, however it meets our standards for when to use.
Annual charge: $0
Each day E-newsletter
Reward your inbox with the TPG Each day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Incomes charge: 1.5% money again on all purchases.
Who ought to apply: The Ink Enterprise Limitless is a superb possibility for small companies and sole proprietors who do not have spending concentrated in particular spending classes. Regardless of the class, you will get a flat 1.5% throughout purchases.
Whereas it isn’t essentially the most profitable flat-rate possibility for enterprise house owners, it does come in useful in case you have Chase Final Rewards points-earning bank cards to show that 1.5% money again into 1.5 factors per greenback (a 3.1% return, primarily based on TPG’s Might 2025 valuations).
To be taught extra, take a look at our full review of the Ink Business Unlimited.
Apply right here: Ink Business Unlimited
Ink Enterprise Most well-liked Credit score Card
Welcome bonus: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months after account opening.
This bonus is the typical supply we see on this card. We have seen higher affords come previously, so we advocate ready to use. In accordance with TPG’s Might 2025 valuations, this welcome bonus is value $1,845.
Annual charge: $95
Incomes charges: Earn 3 factors per greenback on the primary $150,000 spent in mixed purchases throughout these classes every year: delivery purchases, web, cable and telephone providers, journey and promoting purchases with social media and engines like google (then 1 level per greenback). You will earn 1 level per greenback on all different purchases.
Who ought to apply: Small-business house owners with important spending within the above bonus classes might be glad to earn as much as 450,000 factors per yr on these purchases. This card additionally offers direct entry to Chase’s hotel and airline transfer partners, so it could stand by itself in your pockets.
To be taught extra, take a look at our full review of the Ink Business Preferred.
Apply right here: Ink Business Preferred
Associated: Who is eligible for the Chase Ink Business Preferred card?
Ink Enterprise Money Credit score Card
Welcome bonus: Earn a complete of $750 money again — earn $350 money again after spending $3,000 on purchases within the first three months of opening an account, plus a further $400 money again after spending $6,000 within the first six months.
Whereas this is not the best supply we have seen, this supply meets our requirements for when to use.
Annual charge: $0
Incomes charges: 5% money again on the primary $25,000 spent in mixed purchases every account anniversary yr at workplace provide shops and on web, cable and telephone providers, 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account anniversary yr and 1% again on all different purchases.
Who ought to apply: The Ink Business Cash is nice for anybody who spends quite a bit at workplace provide shops and on web, cable and telephone providers. These are widespread bills for a lot of small companies, so most enterprise house owners ought to have the ability to maximize the Ink Enterprise Money.
To be taught extra, take a look at our full review of the Ink Business Cash.
Apply right here: Ink Business Cash
Ink Enterprise Premier Credit score Card
Welcome bonus: Earn $1,000 in bonus money again after spending $10,000 within the first three months after account opening. This is not one of the best welcome supply, so we advocate ready for a greater one earlier than making use of.
Annual charge: $195
Incomes charges: Earn 2.5% money again on purchases of $5,000 or extra and a couple of% again on all different purchases.
Who ought to apply: This card is good for small-business house owners on the lookout for a card with a versatile spending restrict. This card has no fastened credit score restrict, however you need to pay the invoice in full every month and can’t carry a stability. Should you can meet these standards, you will benefit from the limitless incomes potential on this card.
It is value noting, nonetheless, that the rewards from this card can’t be mixed with Chase Final Rewards-earning playing cards.
To be taught extra, take a look at our full review of the Ink Business Premier.
Apply right here: Ink Business Premier
Are these bonuses value it?
It is value getting one in all these playing cards in case you have a significant buy developing that you simply need to use to earn one in all these welcome bonuses, or if you wish to benefit from their incomes charges sooner fairly than later.
Whereas these playing cards will not add to your Chase 5/24 total, it’s essential be below 5/24 to use for any playing cards with Chase. Should you’ve opened 5 or extra bank cards (from any financial institution) previously 24 months, you’ll seemingly be declined when making use of.
Enterprise bank cards — or cards with significant welcome bonuses — are likely to have larger spending necessities to attain the bonus. Should you can meet that requirement, the welcome bonus is sort of all the time well worth the effort.
Associated: The ultimate guide to credit card application restrictions
Backside line
Should you can mix your rewards with an present Final Rewards account, these bonus affords are much more beneficial. Whilst you do have to think about 5/24 when making use of, it is actually value these present affords.
Most small companies ought to have the ability to hit the spending threshold to benefit from any of the bonuses. Any of the Ink enterprise bank cards might be a strong addition to anybody’s pockets.
Apply right here: Ink Business Unlimited
Apply right here: Ink Business Cash
Apply right here: Ink Business Preferred
Apply right here: Ink Business Premier
Trending Merchandise
