How to Choose the Best Chase Ink Business Card for You

Are you a small business owner looking for the best Chase business credit card for your spending? Chase offers a range of highly valuable personal travel credit cards. Two popular options in this lineup are the Chase Sapphire Reserve and the Chase Sapphire Preferred Card.

However, it's worth noting that Chase also extends its exceptional credit card offerings to small business owners. You might find yourself eligible for these benefits even if you are a freelancer or run a side hustle and don't necessarily think of yourself as a business owner.

Specifically, Chase has an outstanding selection of business credit cards known as the Chase Ink Business Credit Cards. These four distinct Chase Business credit card offers include unique benefits to benefit different kinds of users.

You can choose between either cash back or Chase Ultimate Rewards points, amongst other benefits, depending on your preference. Importantly, you are not required to limit yourself to just one card, so you can combine cards to ensure your business gets the best possible benefits. Depending on your existing Chase card portfolio, you can seamlessly convert the cashback you typically accrue into valuable Chase points.

Below, we will look into what each Ink Chase Business Credit Card offers, including welcome bonuses, and give you the best spending strategies to maximize the benefits of your business spending.

What Is the Best Chase Business Card for You? – An Overview of the Ink Card Suite

Here is a summary of what each Chase Business credit card offers to give you an idea of the different annual fees and benefits on offer.

Chase Ink Business Preferred Card

• Annual Fee: $95
• Welcome Bonus: Earn 100,000 bonus points after spending $8,000 on purchases within the first three months of account opening.
• Rewards: Earn 3x points on travel, internet, cable, phone services, advertising, and shipping purchases.
• Benefits: No foreign transaction fees, rental car insurance, and purchase protection.

Chase Ink Business Unlimited

• Annual Fee: $0
• Welcome Bonus: Earn $750 cash back after spending $6,000 on purchases within the first three months of account opening.
• Rewards: Earn 1.5% cash back on all purchases.
• Benefits: No foreign transaction fees.

Chase Ink Business Cash Card

• Annual Fee: $0
• Welcome Bonus: Earn $750 cash back after spending $6,000 on purchases within the first three months of account opening.
• Rewards: Earn 5% cash back on office supplies, internet, cable, and phone services; 2% cash back on gas stations and restaurants.
• Benefits: No foreign transaction fees.

Chase Ink Business Premier Credit Card

• Annual Fee: $195
• Welcome Bonus: Earn $1,000 cash back after spending $10,000 on purchases within the first three months of account opening.
• Rewards: Earn 5% cash back on travel purchases, 2.5% cash back on purchases of $5,000 or more, and 2% cash back on all other purchases.

Key Considerations:

• Foreign Transaction Fees: Most Chase Ink Business cards do not charge foreign transaction fees, making them suitable for international business expenses.
• Cash Back vs. Points: While the Ink Business Cash and Ink Business Premier offer cash back, the Ink Business Preferred and Ink Business Unlimited earn Chase Ultimate Rewards points, which can be transferred to travel partners for maximum value.
• Annual Fee: Consider the annual fee and weigh it against the potential rewards and benefits.
• Spending Habits: Choose a card that aligns with your business's spending patterns to maximize rewards.

By carefully considering these factors, you can select the best Chase Ink Business card to meet your specific needs and help your business thrive.

Maximizing Your Rewards

To maximize your rewards with Chase Ink Business cards, consider the following tips:

• Time Your Applications: Apply for cards when they have the best sign-up bonuses.
• Utilize Bonus Categories: Use your cards for purchases in bonus categories to earn more rewards.
• Consider a Business Checking Account: Some Chase business checking accounts offer additional perks and benefits.
• Transfer Points to Travel Partners: If you have a Chase Sapphire Reserve or Chase Sapphire Preferred card, you can transfer your Ultimate Rewards points to airline and hotel partners for even greater value.
• Monitor Your Spending: Keep track of your spending to ensure you're maximizing your rewards.

Which Chase Business Credit Card Offers the Best Benefits for Your Spending?

The best Chase Ink Business card depends on your business needs and spending habits. Here's a breakdown of each card's strengths:

• Chase Ink Business Preferred: Ideal for businesses spending highly on travel, internet, cable, phone services, advertising, and shipping. The generous welcome bonus and ongoing rewards justify the high annual fee.
• Chase Ink Business Unlimited: A great option for businesses with consistent spending across various categories. The no-annual-fee structure and 1.5% cash back on all purchases make it a versatile choice.
• Chase Ink Business Cash: Best suited for businesses with significant spending on office supplies, internet, cable, phone services, gas, and dining. The 5% and 2% cash-back categories can lead to substantial rewards.
• Chase Ink Business Premier: A good choice for businesses that prioritize cash-back rewards and don't need the flexibility of transferring points to travel partners.

By understanding the unique features and benefits of each Chase Ink Business card, you can strategically select the best options to optimize your business spending and maximize your rewards. Whether you prioritize cash back or travel rewards, the Chase Ink lineup offers flexible solutions to meet your business needs.

As well as the enticing welcome bonuses available, each of the Chase Ink Business Credit Card offers presents unique advantages for your day-to-day business expenses. It's essential to remember that Chase doesn't limit you to having just one choice for the best Chase business credit card for you but instead offers you the flexibility to choose multiple options that suit your needs.

Navigating the suite of Chase Ink business credit cards may seem complex, but for those eligible for small business credit cards, they can become indispensable tools in optimizing your spending. These cards are instrumental in allowing you to quickly accumulate valuable Chase Ultimate Rewards points, enabling you to stretch your travel budget further and explore more for less.