Which Chase Ink Business Card is the Best in 2024?

Every major Chase Bank business card

If you are a business owner or entrepreneur looking to maximize your credit card points and travel rewards, choosing the right business credit card can be crucial to your success. Chase, a prominent player in the credit card industry, offers a range of unique business cards all tailored to different needs. Having the Chase Business credit card that best matches your business spending and goals can make a surprisingly large difference in the success of the organization.

However, with so many different Chase business cards to choose from, making a decision can easily feel overwhelming for even those who are experienced with credit cards. To help business owners make sense of the various options, we’ve put together recommendations for the best Chase business cards for a variety of different cases. We’ve largely ignored airline or hotel-specific Chase cards, as although they can be extremely beneficial, they have less broad appeal and usefulness compared to Chase credit cards.

With the background out of the way, let’s jump into the best Chase business credit cards.

Best for Earning Points - Ink Business Preferred

If you are hoping to earn Chase Ultimate Reward points from your business purchases—to be used either for the business or for your personal travel—there is no better option than the Chase Ink Business Preferred.

Before we discuss why this card is so excellent for earning points, let’s review the card basics:

Annual Fee: $95

Sign-On Bonus: 100,000 Chase UR points after spending $8,000 in the first 3 months

Spending Rewards: 3x points on travel, shipping purchases, online advertisements, and internet/cable/phone services

Other Benefits: 5x points on Lyft rides

The Ink Business Preferred Card is the best option for earning Chase Ultimate Reward points for one clear reason: it is the only Chase Ink card that lets you directly earn points in the same way as a personal card (like the Chase Sapphire Preferred—notice the similarity in the naming). However, the combination of an immense sign-on bonus (at the time of writing, the highest of any Chase card) and a variety of high-reward spending categories makes this an incredible card for earning Chase points. Compared to a personal card like the Chase Sapphire Preferred, the broader “travel” category makes earning points on (business-relevant) transportation far more effective.

If you’re unfamiliar with using Chase points, we have several guides here at ETA Points on how to make the most of your rewards. However, Chase points can often be redeemed for travel for 2+ cents per point, allowing business owners and employees to safe thousands on their travel.

With an annual fee of just $95, the Chase Ink Business Preferred is an excellent option for any size of business; however, we would recommend making sure that your business spends enough to meet with minimum sign-on bonus spending, as failing to meet that requirement leaves a substantial quantity of points on the table.

Recommended Article: How to Transfer Chase Ultimate Rewards Points to Travel Partners

Best for Cash-Back & Small Businesses - Ink Business Unlimited

If you’re either a small business looking for your first business card, or a business that wants broad cash-back earnings on all your spending, look no further than the Chase Ink Business Unlimited.

Annual Fee: $0

Sign-On Bonus: Bonus $750 back after you spend $6,000 in the first 3 months (12.5% back)

Spending Rewards: 1.5% back on all business purchases

Other Benefits: 0% intro APR for the first 12 months, 5% back on Lyft rides

As almost a replica of the similarly-named personal Chase Freedom Unlimited, the Ink Business Unlimited offers 1.5% back on all purchases with no annual fee. This simplicity provides a hassle-free business card experience—you use the card, and you get 1.5% off all your purchases. There’s no messing about with point ecosystems or matching spending categories with a straightforward cash-back card, just simple earnings. Plus, cash-back can benefit the bottom line regardless of the size of your company!

Overall, the Chase Ink Business Unlimited is both the perfect starter card for smaller businesses looking to have an easy card with no annual fee and for larger businesses hoping to have an easy card to share with employees. However, if you are experienced with credit cards and want a slightly fancier cash-back card, check out the next option on our list or the Ink Business Cash.

Best for Larger Businesses - Ink Business Premier

If you have a larger business that spends substantial amounts every year, consider looking at the Ink Business Premier card. A quick brief about the card:

Annual Fee: $195

Sign-On Bonus: Bonus $1000 back after you spend $10,000 in the first 3 months (10% back)

Spending Rewards: 2.5% back on all purchases over $5,000, 2% back on all other purchases

Other Benefits: 5% back on Lyft rides

Compared to the Ink Business Unlimited that we discussed previously, the Premier gives greater cash-back but requires both greater overall spending and has a substantial annual fee. The benefit of this card rests in its elevated cash-back earning; for every dollar you spend, you get an additional 1-1.5% back compared to the Unlimited. While that may not be a major percentage difference, if your business spends hundreds of thousands or more a year, the extra 1% can add up extremely quickly.

While this card won’t be as useful as the Ink Unlimited or the Ink Cash card for most businesses, there is no better Chase business card available for large businesses with high spending.

Conclusion

Chase Bank offers a wide range of business cards that can cater to a variety of organizations, from tiny start-ups to massive corporations. In this article, we’ve given our recommendations for 3 major types of business; however, as always, make sure to examine the full range of cards to find which one is truly the best Chase business card for you!

We hope this article was helpful in the search for your next business card. If you’re interested in other credit cards, make sure to check out our Chase Bank card tier list, American Express tier list, our review of the Chase Sapphire Preferred, and our review of the World of Hyatt card. Or if you’re interested in redeeming your Chase points, check out our guides on how to book Delta flights with Chase points, how to transfer Chase points to Southwest, and how to transfer Chase points to United!

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