Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited

First off, I’ve got a few questions for you… Do you have a business? Ok, do you have a good credit score? Now, our last question… do you enjoy saving money? FANTASTIC! I’m going to take a guess, and say that you’ll like what the Chase Ink cards have to offer.

There are three Chase Ink cards offered. Two no annual fee credit cards and one premium card with a small annual fee. The three Chase Ink cards are the Ink Business Preferred, Ink Business Cash, and the Ink Business Unlimited. They all are built with business owners in mind. Each of the cards has it’s own distinct features and benefits. They’re all great credit cards to have for your business, whether it’s big or small, seasoned or just launching.

One of the best parts about the Chase Ink cards is that they all offer excellent introductory offers. After meeting the minimum spend, each of the Chase Ink cards offers enough Chase Ultimate Rewards to really make a difference. While two of the cards are advertised as “cash back” cards, they actually earn the same Ultimate Rewards points that have the potential to be used for things like travel.

Let’s get to it and take a look at the Chase Ink cards.

chase ink cards
Ink Bus. Preferred
Ink Business Cash
Ink Bus. Unlimited
Signup Bonus100,000$750 (75,000 pts)$750 (75,000 pts)
Bonus Spending Categories3X on travel, shipping, internet, cable, phone, and online ads5X on office supply stores, phone, internet, and cable, 2X on gas and dining.1.5X on all purchases
Annual Fee$95$0$0
Extra PerksCell phone protection
Primary Car Rental Insurance
Travel Insurances
Strong 5X Rewards CategoriesPurchase protection, extended warranty, free employee cards
Best for People Who...Want a huge introductory bonus

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

Want simplicity in earning through spend
[earnist_link ref="ink-business-preferred-credit-card" id="6240"]Learn More >>[/earnist_link][earnist_link ref="ink-business-cash-credit-card" id="6242"]Learn More >>[/earnist_link][earnist_link ref="ink-business-unlimited-credit-card" id="6243"]Learn More >>[/earnist_link]

What Does the Ink Preferred Offer?

The Chase Ink Business Preferred card is the premier business card of the Chase portfolio. It’s the only card of the three that has an annual fee but also comes with a better introductory offer. In fact, the cards introductory offer is considered by us at Travel Freedom, to be the best of any credit card offered by all banks.

Along with the large introductory offer, the Ink Preferred comes with some nice rewards. The card earns 3X points on an assortment of useful categories. It’s one of the only cards that offer reward points for online advertising purchases. It also comes with purchase and travel protections that can save you a lot of money in certain circumstances.

Let’s take a closer look at the features of the Chase Ink Preferred.

Ink Business Preferred

[earnist_link ref="ink-business-preferred-credit-card" id="6240"] [/earnist_link]
INTRODUCTORY OFFER
You'll earn 100,000 points after spending $15000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.
[earnist_link ref="ink-business-preferred-credit-card" id="6240"]LEARN HOW TO APPLY NOW >>[/earnist_link]

What Does the Ink Cash Offer?

The Chase Ink Cash is a no-fee business card that still has a high introductory offer. It’s rare to see a card with an introductory offer that can be worth up to $1000 or more to not have an annual fee.

The Ink Business Cash a great card that you can hold onto forever without having to pay fees. It’s also great for earning rewards. It has some of the most generous rewards categories as well.

With the Ink Business Cash, you will earn 5% on purchases made on internet service, phone, and cable as well as purchases from office supply stores. On top of those 5% categories, the card also earns 2% on gas and dining. Both the 5% and 2% categories have caps on earning, but it’s high at $25k for each of the two groups.

The Ink Business Cash is the first business card I ever applied for. I got it because it has a good introductory offer, it’s good for earning rewards, and it has no annual fee. Also, if you have a primary Chase Ultimate Rewards credit card (Sapphire Preferred, Sapphire Reserve, or Ink Preferred), you are able to transfer your points to those card accounts for more valuable redemptions. This makes the Chase credit cards work well together to earn better travel rewards.

Ink Business Cash

[earnist_link ref="ink-business-cash-credit-card" id="6242"] [/earnist_link]
INTRODUCTORY OFFER
You'll earn $750 (in the form of 75,000 Ultimate Rewards points) after spending $6000 in the first 3 months.
REWARDS
You'll earn 5X points on internet, cable, phone, and office supply stores.
*Limited to first $25k per year.
Earn 2X at gas stations and restaurants.
*Limited to first $25k per year.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with some great 5X reward categories for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.
[earnist_link ref="ink-business-cash-credit-card" id="6242"]LEARN HOW TO APPLY NOW >>[/earnist_link]

What Does the Ink Unlimited Offer?

Like the Ink Cash card, the Ink Business Unlimited has a high introductory offer. It also does not have an annual fee associated with it. These two cards are some of the best introductory offers without having to pay an annual fee.

Where it differs from the Ink Cash is how it earns rewards. The Chase Ink Business Unlimited is all about simplicity. It earns 1.5% back on all purchases with no limit. This card is great if you won’t be able to take advantage of the 5% categories from the Ink Cash card because you’ll get 1.5% on everything no matter what it is.

Ink Business Unlimited

[earnist_link ref="ink-business-unlimited-credit-card" id="6243"] [/earnist_link]
INTRODUCTORY OFFER
You'll earn $750 (in the form of 75,000 Ultimate Rewards points) after spending $6000 in the first 3 months.
REWARDS
You'll earn 1.5X on all purchases. No limit.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with 1.5X rewards on every purchase for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.
[earnist_link ref="ink-business-unlimited-credit-card" id="6243"]LEARN HOW TO APPLY NOW >>[/earnist_link]

The Chase Ink Cards Earn Ultimate Rewards

Chase Ultimate Rewards are arguably the most valuable reward points of them all. We value Ultimate Rewards at 2.0 cents per point.

Why does Travel Freedom value them higher than Chase does?

Well, their valuations come from using the Chase travel portal, which gives a straight up value of 1.0, 1.25, or 1.5 cents per point depending on the card account you redeem your points on. For instance, the Ink Preferred card or the Sapphire Preferred card allow you to redeem points in the travel portal for 1.25 cents per point. The Sapphire Reserve, the most premium card that Chase offers, allows for redemptions of 1.5 cents per point in the travel portal.

Every other Chase Ultimate Rewards card has a redemption rate of just 1.0 cents per point through the travel portal. That doesn’t mean it’s the best you can do, because you’re able to transfer Chase Ultimate Rewards between accounts. So, if you have a Ink Cash and a Sapphire Reserve, you can earn points with the Ink Cash and transfer them over to your Sapphire Reserve account to either get a better redemption in the travel portal, or have access to Chase travel transfer partners.

We like to take into consideration that it’s possible to redeem your Chase Ultimate Rewards for much higher values by converting your points to hotel or airlines through the Chase transfer partners. There are 9 airline partners and 4 hotel partners that you can transfer your points to at a 1:1 ratio. This allows you to take advantage of good rewards rates with certain programs to get a value of 2.0 cents per point or more. The transfer partners are also only available to Sapphire Preferred, Sapphire Reserve, and Ink Preferred card accounts.

Chase Ultimate Rewards Redemption Rates

*Ink Business Preferred: 1.25 cents per point (also has transfer partners available)

Ink Business Cash: 1.00 cents per point (can transfer points to another card account)

Ink Business Unlimited: 1.00 cents per point (can transfer points to another card account)

Let’s Compare the Chase Ink Cards

Best Introductory Offer

See our full review of the Ink Business Preferred.

Best for Earning Rewards

See our full review of the Ink Business Cash.

Best for Simplicity

See our full review of the Ink Business Unlimited.

Best for Redeeming Points

Which of the Chase Ink Cards is Best For You?

Each of the Chase Ink Business cards is a good choice. They all have slightly different offerings that may suit your needs better. If you’re looking for the most points right off the bat, you’ll want the [earnist_link ref=”ink-business-preferred-credit-card” id=”6240″]Chase Ink Preferred[/earnist_link]. If you purchase a lot at office supply stores, the [earnist_link ref=”ink-business-cash-credit-card” id=”6242″]Ink Cash[/earnist_link] will be best. But, if you’re just looking for simplicity in your rewards, the [earnist_link ref=”ink-business-unlimited-credit-card” id=”6243″]Ink Unlimited[/earnist_link] might be just right.

Whatever it is that you’re looking for in a small business credit card, the Chase Ink Business portfolio has you covered. It might even make sense to have two or all of the cards to cover your different types of purchases, plus earn a bunch of Ultimate Rewards through the introductory offers.

Ink Bus. Preferred
Ink Business Cash
Ink Bus. Unlimited
Signup Bonus100,000$750 (75,000 pts)$750 (75,000 pts)
Bonus Spending Categories3X on travel, shipping, internet, cable, phone, and online ads5X on office supply stores, phone, internet, and cable, 2X on gas and dining.1.5X on all purchases
Annual Fee$95$0$0
Extra PerksCell phone protection
Primary Car Rental Insurance
Travel Insurances
Strong 5X Rewards CategoriesPurchase protection, extended warranty, free employee cards
Best for People Who...Want a huge introductory bonus

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

Want simplicity in earning through spend
[earnist_link ref="ink-business-preferred-credit-card" id="6240"]Learn More >>[/earnist_link][earnist_link ref="ink-business-cash-credit-card" id="6242"]Learn More >>[/earnist_link][earnist_link ref="ink-business-unlimited-credit-card" id="6243"]Learn More >>[/earnist_link]