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In case you are a enterprise proprietor seeking to earn rewards on your corporation purchases, Chase has a superb lineup of playing cards suited to nearly 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 in your buck, you may convert the money again earned on the Limitless or Money into Ultimate Rewards points if 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 corporation, however notice that it would not enable cardholders to transform the rewards earned into Chase Final Rewards factors.
Remember that these are business credit cards. You might be able to get a business credit card even when your facet enterprise remains to be on the smaller facet. When you do not want a longtime workplace with a number of staff to use (that means freelancers and sole proprietors are additionally eligible), you’ll need 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 greatest in 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 provide for this card, nevertheless it meets our standards for when to use.
Annual charge: $0
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Incomes fee: 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 haven’t got spending concentrated in particular spending classes. Irrespective of the class, you may get a flat 1.5% throughout purchases.
Whereas it is not probably the most profitable flat-rate possibility for enterprise house owners, it does come in useful if 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 Could 2025 valuations).
To study 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 common provide we see on this card. We have seen higher affords come previously, so we suggest ready to use. Based on TPG’s Could 2025 valuations, this welcome bonus is price $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 companies, journey and promoting purchases with social media and search 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 will probably 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 might probably stand by itself in your pockets.
To study 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 very best provide we have seen, this provide 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 companies, 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 companies. 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 study 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 the perfect welcome provide, so we suggest 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 pair of% again on all different purchases.
Who ought to apply: This card is good for small-business house owners searching for a card with a versatile spending restrict. This card has no mounted credit score restrict, however you need to pay the invoice in full every month and can’t carry a steadiness. If you happen to can meet these standards, you may benefit from the limitless incomes potential on this card.
It is price noting, nevertheless, that the rewards from this card can’t be mixed with Chase Final Rewards-earning playing cards.
To study extra, take a look at our full review of the Ink Business Premier.
Apply right here: Ink Business Premier
Are these bonuses price it?
It is price getting considered one of these playing cards if in case you have a serious buy developing that you simply need to use to earn considered one of these welcome bonuses, or if you wish to reap the benefits of their incomes charges sooner somewhat than later.
Whereas these playing cards will not add to your Chase 5/24 total, you could be underneath 5/24 to use for any playing cards with Chase. If you happen to’ve opened 5 or extra bank cards (from any financial institution) previously 24 months, you’ll probably be declined when making use of.
Enterprise bank cards — or cards with significant welcome bonuses — are likely to have greater spending necessities to realize the bonus. If you happen to can meet that requirement, the welcome bonus is nearly at all times definitely worth the effort.
Associated: The ultimate guide to credit card application restrictions
Backside line
If you happen to can mix your rewards with an present Final Rewards account, these bonus affords are much more precious. When you do have to think about 5/24 when making use of, it is definitely price taking a look at these present affords.
Most small companies ought to have the ability to hit the spending threshold to reap the benefits of any of the bonuses. Any of the Ink enterprise bank cards may very well 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