If you’re a enterprise proprietor seeking to earn rewards on what you are promoting purchases, Chase has a superb lineup of cards fitted to nearly any enterprise.
The Ink Business Unlimited® Credit Card (see charges and charges) is a simple flat-rate cash-back credit card to make use of. There’s additionally the Ink Business Cash® Credit Card (see charges and charges), one other nice cash-back product with no annual price.
If you need extra bang in your buck, you possibly can convert the money again earned on the Unlimited or Cash into Ultimate Rewards factors in case you have a Chase credit card that earns these factors, such because the Chase Sapphire Reserve® (see charges and charges), Chase Sapphire Preferred® Card (see charges and charges) or the Ink Business Preferred® Credit Card (see charge and charges).
The Ink Business Premier® Credit Card (see charges and charges) could also be a strong cash-back card for what you are promoting, however word that it does not permit cardholders to transform the rewards earned into Chase Ultimate Rewards factors.
Keep in thoughts that these are enterprise credit cards. You could possibly get a enterprise credit card even when your facet enterprise continues to be on the smaller facet. While you do not want a longtime workplace with a number of workers to use (that means freelancers and sole proprietors are additionally eligible), you’ll need a enterprise of some kind to use for these cards.
Let’s run by an outline of every card to see which might be greatest in your small enterprise.
Related: The greatest time to use for these fashionable Chase credit cards based mostly on provide historical past
Ink Business Unlimited Credit Card
Welcome bonus: Earn $750 bonus money again after spending $6,000 within the first three months after account opening. This is the usual welcome provide for this card, however it meets our standards for when to use.
Annual price: $0
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Earning charge: 1.5% money again on all purchases.
Who ought to apply: The Ink Business Unlimited is a superb choice for small companies and sole proprietors who haven’t got spending concentrated in particular spending classes. No matter the class, you will get a flat 1.5% throughout purchases.
While it isn’t essentially the most profitable flat-rate choice for enterprise house owners, it does come in useful in case you have Chase Ultimate Rewards points-earning credit cards to show that 1.5% money again into 1.5 factors per greenback (a 3.1% return, based mostly on TPG’s May 2025 valuations).
To study extra, try our full evaluate of the Ink Business Unlimited.
Apply right here: Ink Business Unlimited
Ink Business Preferred Credit 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’ve seen higher offers come previously, so we suggest ready to use. According to TPG’s May 2025 valuations, this welcome bonus is price $1,845.
Annual price: $95
Earning charges: Earn 3 factors per greenback on the primary $150,000 spent in mixed purchases throughout these classes annually: transport purchases, web, cable and telephone companies, journey and promoting purchases with social media and serps (then 1 level per greenback). You’ll 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 likely be glad to earn as much as 450,000 factors per 12 months on these purchases. This card additionally gives direct entry to Chase’s lodge and airline switch companions, so it may possibly stand on its personal in your pockets.
To study extra, try our full evaluate of the Ink Business Preferred.
Apply right here: Ink Business Preferred
Related: Who is eligible for the Chase Ink Business Preferred card?
Ink Business Cash Credit 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.
While this is not the very best provide we have seen, this provide meets our requirements for when to use.
Annual price: $0
Earning charges: 5% money again on the primary $25,000 spent in mixed purchases every account anniversary 12 months 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 12 months and 1% again on all different purchases.
Who ought to apply: The Ink Business Cash is nice for anybody who spends so much 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 be capable to maximize the Ink Business Cash.
To study extra, try our full evaluate of the Ink Business Cash.
Apply right here: Ink Business Cash
Ink Business Premier Credit 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 price: $195
Earning charges: Earn 2.5% money again on purchases of $5,000 or extra and a couple of% again on all different purchases.
Who ought to apply: This card is good for small-business house owners in search of a card with a versatile spending restrict. This card has no mounted credit restrict, however you will need to pay the invoice in full every month and can’t carry a stability. If you possibly can meet these standards, you will benefit from the limitless incomes potential on this card.
It’s price noting, nonetheless, that the rewards from this card can’t be mixed with Chase Ultimate Rewards-earning cards.
To study extra, try our full evaluate of the Ink Business Premier.
Apply right here: Ink Business Premier
Are these bonuses price it?
It’s price getting one among these cards in case you have a significant buy developing that you just need to use to earn one among these welcome bonuses, or if you wish to make the most of their incomes charges sooner moderately than later.
While these cards will not add to your Chase 5/24 complete, it’s worthwhile to be beneath 5/24 to use for any cards with Chase. If you have opened 5 or extra credit cards (from any financial institution) previously 24 months, you’ll seemingly be declined when making use of.
Business credit cards — or cards with important welcome bonuses — are inclined to have greater spending necessities to realize the bonus. If you possibly can meet that requirement, the welcome bonus is sort of at all times well worth the effort.
Related: The final information to credit card utility restrictions
Bottom line
If you possibly can mix your rewards with an current Ultimate Rewards account, these bonus offers are much more useful. While you do have to contemplate 5/24 when making use of, it is actually price taking a look at these present offers.
Most small companies ought to be capable to hit the spending threshold to make the most of any of the bonuses. Any of the Ink enterprise credit 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
