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Opening a separate 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.

Currently, there are two offers from Chase – one for banking and one for credit cards – that 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

Ink Business Cash® Ink Business Preferred® Ink Business Unlimited®

Sign-Up Bonus

$750 cash back after $6,000 spent in the first 3 months

100,000 bonus points after $8,000 spent in the first 3 months.

$750 cash back after $6,000 spent in the first 3 months

Earning Rate
  • 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services. 
  • 2% cash back on the first $25,000 spent at gas stations and restaurants.
  • 3X Points – earn 3 points per $1 on the first $150,000 spent on shipping services, advertising costs, internet, cable, phone, and travel.
  • 1% unlimited cash back on all other purchases.

Unlimited 1.5% cash back on any and every purchase category.

Annual Fee

$0

$95

$0

Ink Business Cash® Credit Card

Apply Now

Secure application on issuer’s website

  • Our Rating 4.5/5 How our ratings work
  • APR17.99% - 23.99% (Variable)
  • Annual Fee$0
  • Sign-Up Bonus $750Cash Bonus More Info

    Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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

With the Ink Business Cash® Credit Card, you can recoup some of the expenses that come with running a business. This card offers increased cash back rewards on certain types of business expenses. Here’s how that breaks down: 

  • 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 Of The Ink Business Cash® Credit Card

In addition to the cash back rewards, the Ink Business Cash credit card offers benefits such as: 

  • 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
  • APR20.74% - 25.74% (Variable)
  • Annual Fee$95 More info

    This fee includes extra cards for authorized users, such as employees, at no additional charge.
  • Sign Up Bonus 90,000Chase Ultimate Rewards Points More Info

    Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,980 (90,000 Chase Ultimate Rewards Points * 0.022 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 Travel℠ 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 90,000 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 $1,125. 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 Of The Ink Business Preferred® Credit Card

All other rewards earned can be redeemed through the Chase Ultimate Rewards program. This program is extremely flexible, points can be redeemed for:

  • Cash back
  • Gift cards
  • Statement credits

You will also benefit from an extended 120-day purchase protection plan. This plan will provide coverage against damage or theft on new purchases for your business. The protection plan offers:

  • $10,000 limit per claim
  • $50,000 claim limit per account

This business card will come with a $95 annual fee, which might not suit businesses that don’t spend a significant amount in the increased rewards categories, therefore, not being able to 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
  • APR17.99% - 23.99% (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

With this card from Chase, business owners will get additional perks including:

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

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. This card from Chase is a solid choice for small businesses that prioritize cash back rewards over annual fees or higher credit requirements.

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, obtaining 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.

However, it's important to 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.

Pair with Chase Business Complete Banking: $300 for New Customers

Chase not only offers a great lineup of business credit cards, but they also have complete banking services like checking and savings accounts. This makes them 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
  • APYN/A
  • Minimum
    Deposit Required    N/A
  • Intro Bonus $300Expires July 22, 2024 More Info

    Earn $300 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.

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.

The Chase Business Complete Checking account is a comprehensive solution for small businesses that seek a seamless digital banking experience. Imagine having all your business finances organized and at your fingertips, where you can access them anytime, anywhere, with the touch of a button. 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.

Frequently Asked Questions

  • To apply for a Chase Business Complete Banking account, you can visit the Chase website. You will need to provide personal and business 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 that is 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 Cards are designed for small business owners and entrepreneurs. They can be used to manage business expenses, earn rewards, and build business credit. They are suitable for businesses of all sizes and industries, whether you are a sole proprietor or a large corporation. 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 specifically designed for small businesses. They offer various features such as cash back rewards, purchase protection, and employee cards. The three types of cards under the Ink Business Cards are Ink Business Preferred®, Ink Business Unlimited®, and Ink Business Cash®. Each of these cards offers different benefits and rewards, and are designed to meet the different needs of small businesses.

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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