Ink Business Credit Card Bonuses: Earn $750 or 100,000 Chase Ultimate Rewards Points

Which of these Chase cards will maximize rewards for your business spending and earn you a hefty sign-up bonus?

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Ink Business Credit Card Bonus Ink Business Bonus Offer Annual Fee
Ink Business Cash℠ Credit Card $750 Spend $7,500 on purchases within three months of account opening $0
Ink Business Unlimited℠ Credit Card $750 Spend $7,500 on new purchases within three months of account opening $0
Ink Business Preferred℠ Credit Card 100,000 Chase Ultimate Rewards Points Spend $15,000 on your card within three months of account opening $95

I’ve been writing about credit cards since 2008, and in that time I’ve looked at hundreds, if not thousands of different cards. But I also use travel rewards credit cards to earn a dozen or more free trips each year, and small business credit cards are a key part of my award travel strategy.

When it comes to travel rewards, I’d argue that Chase is the leading credit card issuer. It offers a broad variety of cards that help consumers earn points through its Ultimate Rewards program. And Chase keeps adding to its portfolio of small business cards that you can use to increase the rewards you earn. Chase currently offers three small business credit cards that earn points in the Ultimate Rewards program, and each is uniquely valuable. Let’s take a look at all three of them, and then find out which one (or more) is right for you.

Ready to apply? Click the links below to begin a secure application process directly with Chase.

Best for Earning Cash Back: Ink Business Cash℠ Credit Card


What makes the Ink Business Cash special is how many points you can earn from spending.

If you’re looking to avoid annual fees on your business spending, too, consider the Ink Business Cash℠ Credit Card. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.

Annual Fee $0
Intro APR New accounts enjoy an introductory, interest free 0% APR for purchases during the first 12 months.
Rewards Rate You earn an amazing 5% cash back on your first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. That can add up to 125,000 points per account year. It also offers you 2% cash back on your first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Sign-Up Bonus This card offers you $750 in cash back after you spend $7,500 on purchases within three months of account opening. The $750 bonus comes in the form of 75,000 Ultimate Rewards points.

Travel Benefits

The rewards points you earn from this card are worth one cent each as either cash back or another option such as a gift card. But you can potentially earn much more if you also have another Chase card that earns Ultimate Rewards points (like the Chase Sapphire Preferred® Card or the Chase Freedom Unlimited® Card) by transferring your rewards into miles with Chase’s 10 airline partners or into points with its three hotel programs. And when you can redeem their points and miles for expensive flights or hotel reservations, they can be worth far more than a penny each.

Other travel benefits include an auto rental collision damage waiver, travel and emergency assistance and roadside dispatch.

Why We Like This Card

The Ink Business Cash is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points.

Who Should Use this Card?

This an incredibly good card for anyone who owns a small business and makes frequent purchases at office supply stores, which can include furniture, electronics, school supplies, gift cards and printing services. The Ink Business Cash is also a great card to use when paying for your internet service, phone bill or television service. It might not seem like much, but earning 5x rewards on these bills every month will add up to serious rewards very quickly. You earn one point per dollar spent elsewhere.

Best for Flat-Rate Earnings: Ink Business Unlimited℠ Credit Card


If you want cash back that you can drive back into your business or use for personal expenses, the Ink Business Unlimited℠ Credit Card could be a great option. The card has no annual fee but offers an incredible $500 cash bonus after you spend $3,000 in the first three months. You’ll also earn 1.5% cash back on every purchase you make.

If you have some purchases coming up and need some time to pay them off, the card’s 0% APR on purchases for 12 months can help you save a lot on interest. And, if you need employee cards, you can get them at no additional charge.

Annual Fee $0
Intro APR New accounts enjoy an introductory, interest free 0% APR for purchases during the first 12 months.
Rewards Rate This card offers 1.5% back per dollar spent on all purchases, with no limits. So all of your purchases that don’t qualify for another bonus will earn 50% more than they would have.
Sign-Up Bonus This card offers you $750 in cash back in the form of 75,000 Ultimate Rewards points after you spend $7,500 on new purchases within three months of account opening.

Travel Benefits

The Ink Business Unlimited also doesn’t allow point transfers by itself, but the points can be combined with rewards from other Chase accounts that do allow transfers. It also has travel benefits including an auto rental collision damage waiver, travel and emergency assistance and roadside dispatch.

Why We Like This Card

Here’s a card that you can use to earn a strong rate of return on all of your business purchases, with no annual fee. The Ink Business Unlimited is technically a cash-back card, but the rewards can be transferred to travel partners when you have another qualifying Chase card that offers this feature.

Who Should Use this Card?

This is a perfect card for those who aren’t interested in bonus categories, or for those who are, but want a separate card just for purchases that don’t qualify for a bonus.

Best for Travel Rewards: Ink Business Preferred℠ Credit Card


If you’re a business owner who travels a lot for work or pleasure, the Ink Business Preferred℠ Credit Card is an ideal choice. It offers a whopping 100,000 bonus points after you spend $15,000 in the first three months — with the card’s 25% bonus on travel booked through Chase, that’s worth $1,250. But you could potentially get more through one of the bank’s transfer partners.

Annual Fee $95
Intro APR None
Rewards Rate You can earn 3x points on your first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines on each account’s anniversary year. Plus, 1x point per dollar spent on all other purchases.
Sign-Up Bonus Here’s your chance to earn a whopping 100,000 bonus points after spending $15,000 on your card within three months of account opening. This bonus can be redeemed for $1,250 worth of travel through Chase Ultimate Rewards.

Travel Benefits

Unlike the other two Ink Business cards, you can use this card to transfer your rewards directly to airline miles and hotel points. Travelers may also like this card’s cell phone protection policy that will cover up to $600 per claim.

Why We Like This Card

The rewards you earn from the Ink Business Preferred Card can be transferred to 10 different airline partners including United, Southwest, Virgin Atlantic, Singapore and British Airways, as well as hotel partners Hyatt, Hilton and Marriott.

Who Should Use this Card?

People who own internet-based businesses and spend heavily on advertising are the ones who can really earn the most rewards from this card.

How to Choose the Best Chase Ink Business Card for Your Needs

If you’re going to earn Chase Ultimate Rewards points, then you need to have at least one card that allows you to transfer them to airline miles or hotel points. So if you already have a Chase Sapphire Preferred® Credit Card or Chase Sapphire Reserve® or an Ink Business Preferred, you’ll be able to get all of the benefits of the Ink Business Cash. If you don’t, then the Ink Business Unlimited should be where you start. You’ll get the best sign-up bonus, and you’ll be able to immediately transfer your rewards to airline miles or hotel points. This card is also perfect for those who will spend heavily in the 3x earning categories of travel, shipping, telecommunications and online advertising.

Those who spend heavily at office supply stores and on telecommunication services won’t be able to beat the Ink Business Cash card’s 5x offer. Otherwise, small business owners can consider the Business Unlimited with the opportunity to simply earn 1.5x on all purchases, with no limits. Alternatively, it can make sense to get the Ink Business Unlimited to complement another card, and use it for purchases that won’t qualify for a bonus. That’s always been my strategy.

Bottom Line: Ink Business Credit Cards Review

You can’t go wrong with any of these three cards, but there’s a way to make sure you get it right. First, be sure to have a card that allows point transfers, whether or not it’s an Ink card. But then, choose the card or cards that will offer you the most valuable rewards for your small business spending. By playing your cards correctly, you’ll earn far more rewards than you might have thought possible.

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Jason Steele

Jason Steele is a journalist who specializes in covering credit cards, award travel and other areas of personal finance. As one of the nation’s leading experts in the credit card industry, Jason’s work has been featured at mainstream outlets such as Yahoo! Finance, MSN Money and Business Insider.

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