Current Offers on Chase Ink Business Credit Cards
Chase has unveiled a variety of attractive offers on its Ink Business credit cards, appealing to a broad spectrum of business owners looking to earn rewards from their purchases. These cards cater to different spending habits and business needs, allowing entrepreneurs—from sole proprietors to larger enterprises—to maximize their rewards.
Overview of Chase Ink Business Credit Cards
Ink Business Unlimited® Credit Card
- Welcome Bonus: Earn $750 cash back after spending $6,000 in the first three months.
- Annual Fee: $0
- Earning Rate: 1.5% cash back on all purchases.
The Ink Business Unlimited card is designed for small businesses that do not typically concentrate their spending in specific categories, making it a solid choice for business owners seeking straightforward cash back. If users already have a Chase Ultimate Rewards-earning card, they can convert the cash back into 1.5 points per dollar, effectively achieving a potential return of 3.1%.
Ink Business Preferred® Credit Card
- Welcome Bonus: Earn 90,000 bonus points after spending $8,000 in the first three months.
- Annual Fee: $95
- Earning Rates: 3 points per dollar on the first $150,000 spent in specific categories (shipping, internet, phone services, travel, and advertising), then 1 point per dollar on all other purchases.
This card is ideal for small-business owners with significant spending in the listed bonus categories. The Ink Business Preferred also provides direct access to Chase’s hotel and airline transfer partners, enhancing its value proposition.
Ink Business Cash® Credit Card
- Welcome Bonus: Total of $750 cash back—$350 after spending $3,000 in the first three months, plus an additional $400 after spending $6,000 in the first six months.
- Annual Fee: $0
- Earning Rates: 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services; 2% at gas stations and restaurants; 1% on all other purchases.
The Ink Business Cash card is well-suited for business owners who frequently engage with office supply needs and spend on utility services, offering substantial returns for these everyday expenses.
Ink Business Premier® Credit Card
- Welcome Bonus: Earn $1,000 cash back after spending $10,000 in the first three months.
- Annual Fee: $195
- Earning Rates: 2.5% cash back on purchases of $5,000 or more; 2% on all other purchases.
The Ink Business Premier card is geared towards small-business owners who prefer a flexible spending limit without a fixed credit limit. However, it’s important to note that rewards cannot be combined with Chase Ultimate Rewards cards.
Evaluating the Offers
These offers can be significantly advantageous for business owners planning major purchases or who want to optimize their spending with a high cash back return. Importantly, the welcome bonuses associated with these cards often come with higher spending requirements, which may be beneficial for businesses capable of meeting these thresholds.
Application Considerations
It’s worth noting that these business credit cards do not affect the 5/24 rule, which restricts applicants if they have opened five or more credit cards in the past 24 months. However, applicants must be under the 5/24 threshold to qualify for Chase cards.
Conclusion
Chase’s Ink Business credit cards present valuable options for business owners looking to earn rewards while managing expenses. From straightforward cash back to potential transfer points, these cards cater to various purchasing habits and business activities. With lucrative welcome bonuses and zero annual fees on some options, these cards can positively impact cash flow and business growth.
For those interested, here’s where you can apply:
As the landscape of credit cards continues to evolve, it’s essential for entrepreneurs to assess their spending patterns and choose the card that best aligns with their business needs.
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