

Editor’s observe: This put up has been up to date with present data.
Whereas Chase affords a sturdy portfolio of client bank cards, the issuer additionally has a set of enterprise playing cards which might be tailor-made to various kinds of corporations and bills.
Often called the Ink Enterprise household, these bank cards earn both cash-back rewards or Final Rewards factors. Relying on the cardboard you carry, you might be able to mix your rewards with different playing cards that earn Final Rewards factors — such because the Chase Sapphire Most well-liked Card, Chase Sapphire Reserve, Chase Freedom Flex or Chase Freedom Limitless — to additional enhance your incomes and redemption choices.
There are presently 4 Ink Enterprise playing cards obtainable for purposes: the New Enterprise Card! Ink Enterprise Premier Credit score Card, the Ink Enterprise Money Credit score Card, the Ink Enterprise Limitless Credit score Card and the Ink Enterprise Most well-liked Credit score Card.
Let’s check out how the 4 playing cards stack up, together with the all-time welcome affords presently obtainable on two of those playing cards.
Chase Ink Enterprise playing cards overview
Ink Enterprise Premier | Ink Enterprise Most well-liked | Ink Enterprise Money | Ink Enterprise Limitless | |
---|---|---|---|---|
Annual payment | $195. | $95. | $0. | $0. |
Signal-up bonus | Earn $1,000 after you spend $10,000 on eligible purchases inside the first three months of account opening. | Earn 100,000 bonus factors after you spend $15,000 on purchases within the first three months of account opening | Earn $900 again after you spend $6,000 within the first three months from account opening. | Earn $900 again after you spend $6,000 within the first three months from account opening. |
Incomes charge | 5% money again on journey bought by Chase Final Rewards.
2.5% money again on purchases of $5,000 or extra. 2% money again on all different eligible purchases. |
3 factors per greenback on the primary $150,000 spent in mixed purchases every account anniversary yr on journey, delivery purchases, web, cable and telephone companies and on promoting purchases with social media and serps.
1 level per greenback on all different eligible purchases. |
5% money again on the primary $25,000 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 every account anniversary yr at fuel stations and eating places. 1% money again on all different eligible purchases. |
Limitless 1.5% money again on all eligible purchases. |
International transaction charges | None. | None. | 3% of every transaction. | 3% of every transaction. |
Advantages |
|
|
|
|
Chase Ink Enterprise playing cards
Ink Enterprise Premier Credit score Card
Signal-up bonus: Earn $1,000 after you spend $10,000 on eligible purchases inside the first three months of account opening.
Annual payment: $195.
Rewards: Earn 5% money again on journey bought by Chase Final Rewards, 2.5% money again on purchases of $5,000 or larger and a couple of% money again on all different eligible purchases.
Who ought to apply? The Ink Enterprise Premier is the most recent and most premium providing within the Chase enterprise card household because it carries a $195 annual payment. Initially obtainable solely to these with a Enterprise Relationship Supervisor, the cardboard is now obtainable to most people.
Join our each day publication
Sadly, the Ink Enterprise Premier doesn’t earn fully-transferable Final Rewards factors like its counterpart, the Ink Enterprise Most well-liked (extra on that under). Nor are you able to switch the rewards earned on the Ink Enterprise Premier to different Final Rewards playing cards.
As a substitute, Ink Enterprise Premier cardholders can redeem their factors for money again, present playing cards, assertion credit and extra by the Chase Final Rewards portal. As such, this card is geared towards enterprise house owners with excessive working bills who wish to recoup the $195 annual payment, make investments again into their enterprise’ working bills and aren’t as involved with incomes journey rewards. In sum, the Ink Enterprise Premier is a distinct segment possibility that possible gained’t attraction to most however has its place for many who desire a easy but profitable card with no preset spending restrict.
Associated:
Official utility hyperlink: Ink Enterprise Premier.
Ink Enterprise Most well-liked Credit score Card
Signal-up bonus: Earn 100,000 bonus factors after you spend $15,000 on purchases within the first three months of account opening.
Annual payment: $95.
Rewards: Earn 3 factors per greenback on the primary $150,000 spent in mixed purchases on journey, promoting purchases made with social media websites and serps, delivery purchases and web, cable and telephone companies every account anniversary yr. Earn 1 level per greenback on all different purchases.
Who ought to apply? That is the one Ink card that earns full-fledged Final Rewards factors (these you possibly can switch to airways and motels) by itself moderately than money again. It’s also the one Ink card that earns bonus factors on journey purchases, particularly. The annual payment is low sufficient that freelancers and facet hustlers can simply offset the fee, however the larger spending cap on enterprise bonus classes means it’s additionally a pleasant card for established enterprise house owners with places of work and staff.
Associated:
Official utility hyperlink: Ink Enterprise Most well-liked.
Ink Enterprise Money Credit score Card
Signal-up bonus: Earn $900 money again after you spend $6,000 on purchases inside three months of account opening.
Annual payment: $0.
Rewards: Earn 5% money again on as much as $25,000 spent in mixed purchases at workplace provide shops and on web, cable and telephone companies every account anniversary yr. Earn 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account anniversary yr. Earn 1% money again on all different purchases.
Who ought to apply? Regardless of being one among Chase’s entry-level enterprise bank cards with no annual payment, the Ink Money affords a strong return on purchases, although its bonus classes are most likely finest suited for many who have bodily places of work. This implies individuals who work at home and have to select up workplace provides or pay for their very own telephone companies or those that have a small workplace constructing with staff.
Even should you carry the Ink Enterprise Most well-liked, you may wish to take into account this card as nicely, because of the truth that it has no annual payment and earns 2% money again at fuel stations and eating places, which the Ink Enterprise Most well-liked doesn’t. Then, you possibly can convert the rewards earned into miles or factors with Chase’s airline and resort companions, or redeem them at higher charges of 1.25 cents (should you switch to the Sapphire Most well-liked or Ink Enterprise Most well-liked) or 1.5 cents (should you switch to the Sapphire Reserve) towards journey reservations made by the Chase Final Rewards portal.
Associated:
Official utility hyperlink: Ink Enterprise Money.
Ink Enterprise Limitless Credit score Card
Signal-up bonus: $900 money again while you spend $6,000 on purchases inside three months of account opening.
Annual payment: $0.
Rewards: Earn 1.5% money again on all purchases. As with the Ink Money, you’ve got the flexibility to open up extra redemption values and extra redemption alternatives should you carry one other Chase Final Rewards-earning card such because the Chase Sapphire Most well-liked, Chase Sapphire Reserve, or Ink Enterprise Most well-liked.
Who ought to apply? This is a superb card for freelancers who desire a card that earns nicely on each greenback with out having to maintain monitor of bonus classes. It’s additionally an important selection for enterprise house owners who want a card for his or her bills that don’t fall beneath a bonus class with their different playing cards because you get limitless 1.5% again on each buy. For freelancers or these with facet hustles, this implies maximizing each buy with out having to juggle a number of playing cards with annual charges. For established companies, it is a nice card to pair with different Chase playing cards, overlaying purchases that do not have further earnings on different playing cards.
Associated:
Official utility hyperlink: Ink Enterprise Limitless.
Which Ink Enterprise card is best for you?
Every of those playing cards affords spectacular earnings in not less than one class:
- The no-annual-fee Ink Enterprise Money accrues 5% money again at workplace provide shops and on telecommunications companies, albeit with a restrict of $25,000 in eligible spending per membership yr.
- The Ink Enterprise Limitless racks up 1.5% money again on all purchases with out class restrictions, spending limits or an annual payment.
- The Ink Enterprise Most well-liked Card affords extra rewards and advantages that may complement the Ink Enterprise Money and/or Ink Enterprise Limitless whereas solely charging a minimal annual payment.
- The Ink Enterprise Premier is an effective possibility for companies that spend hundreds yearly and wish to earn a profitable 2%-2.5% cash-back charge on all eligible purchases.
The place the Ink Enterprise Most well-liked and the Ink Enterprise Premier pull forward of the others are with cellphone safety, which might be beneficial should you have a tendency to wreck your telephone.
Doubling down on Ink Enterprise bank cards
If you happen to already carry an Ink Enterprise Money or Ink Enterprise Limitless, you may wish to take into account including the Ink Enterprise Most well-liked to your lineup for 4 essential causes:
- The flexibility to earn 3 factors per greenback on journey and promoting purchases made with social media websites and serps on as much as $150,000 of those purchases per account anniversary yr.
- The cellphone safety profit, which may simply be definitely worth the $95 annual payment.
- Rewards earned on Chase cash-back playing cards, such because the Ink Enterprise Money and Ink Enterprise Limitless, might be transferred to the cardboard after which used as full-fledged Chase Final Rewards factors with journey companions.
- The 100,000-point sign-up bonus, value $2,000 based mostly on TPG’s valuations.
If your small business doesn’t spend a lot on the bonus classes of the Ink Enterprise Money or Ink Enterprise Most well-liked, then you could be higher off merely incomes 1.5% money again on every thing with the Ink Enterprise Limitless.
Associated: Clearing up the confusion: Methods to full a Chase enterprise bank card utility
Now is also a good time to get an Ink Enterprise Limitless or Ink Enterprise Money, attributable to their best-ever welcome affords. Each playing cards are providing $900 bonuses after spending $6,000 on purchases inside the first three months. That is the next bonus with a decrease spending requirement than what we have seen beforehand. The worth of that bonus can double should you convert your earnings to Final Rewards to be used with Chase’s journey companions.
Do I qualify for a enterprise bank card?
Carrying a small-business bank card is a superb technique to maintain your private and enterprise bills separate. Nevertheless, you don’t must have an LLC, a storefront or 50 staff to have a qualifying enterprise. A web based Etsy retailer, a contract writing gig, a facet hustle as a rideshare driver and lots of different micro-businesses additionally qualify you for a card.
The most effective enterprise bank cards typically supply enticing sign-up bonuses and excessive incomes potential throughout a number of classes, which makes them beneficial additions to your pockets irrespective of the dimensions of your small business.
Associated: Your information to making use of for small enterprise bank cards
Can I’ve multiple Ink Enterprise bank card from Chase?
The quick reply is that you may maintain multiple enterprise bank card with Chase. This may be an interesting possibility for companies which might be absolutely invested within the Final Rewards ecosystem and wish to maximize purchases throughout a number of bonus classes.
Right here’s the way you may method it:
- Ink Enterprise Money: Use this card at workplace provide shops and on telecommunication purchases to earn 5% again (or 5 factors per greenback), and use it at eating places as nicely to earn 2% again (or 2 factors per greenback).
- Ink Enterprise Most well-liked: Use this card for journey prices, delivery suppliers and promoting purchases with social media platforms and serps to earn 3 factors per greenback. Plus, use it for all purchases outdoors the U.S. to keep away from overseas transaction charges.
- Ink Enterprise Limitless: Use this card for all different purchases to earn 1.5% again (or 1.5 factors per greenback) if you wish to earn rewards that may be become transferrable factors.
If you happen to then mix your whole earnings from these playing cards beneath your Ink Enterprise Most well-liked, you’ll have a pleasant steadiness of fully-transferable Final Rewards factors. Additionally take into account:
- Ink Enterprise Premier: Use this card for all different purchases should you’re OK with incomes money again or should you want a card with no preset spending restrict when making massive purchases.
The phrases of those playing cards do mean you can open every card and earn the sign-up bonus on every — and even earn the bonus on every card for every of your separate companies. Nevertheless, the issuer’s customary utility restrictions will apply, so should you do wish to add a brand new Ink product to your pockets, you should definitely take into account these tips to maximise your likelihood of being accredited.
Backside line
As with Chase’s client playing cards, you possibly can amplify your rewards technique dramatically by combining two (or extra) Ink enterprise playing cards that give you probably the most factors and advantages on your small-business spending.
If you happen to’re planning to use for a number of of those playing cards, do not forget that it’s typically beneficial to use for no multiple private and one enterprise card with Chase inside a 90-day window.
When planning your technique, remember Chase’s 5/24 rule, which implies that you may be rejected routinely for many Chase playing cards should you’ve opened 5 or extra playing cards within the final 24 months. Nevertheless, whereas you should be beneath 5/24 to be able to be accredited, opening a brand new enterprise card from Chase is not going to add to your 5/24 standing.
If you happen to aren’t instantly accredited and must name for reconsideration, you could be requested questions on your small business and be requested to ship in supporting paperwork earlier than your utility is accredited. However that little bit of additional effort could possibly be nicely value it to reap the rewards all of those playing cards supply.
Official utility hyperlink: Ink Enterprise Most well-liked Credit score Card
Official utility hyperlink: Ink Enterprise Limitless Credit score Card
Official utility hyperlink: Ink Enterprise Money Credit score Card
Official utility hyperlink: Ink Enterprise Premier Credit score Card
Extra reporting by Stella Shon, Madison Blancaflor, Eric Rosen and Ryan Smith.