updated Jul 26, 2016
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The Chase Ink credit card is one of the best business credit cards in the US for your small business needs. Since there are two types of Chase Ink cards available, and both the Ink Cash® Business Credit Card and Ink Plus® Business Credit Card offer generous bonuses, I've decided to do an overview of these Chase business cards so that you can have a better idea of which one exactly will suit your business needs.
I'll start off with a highlight of the benefits found in both of the Chase Ink cards:
Rewards. Chase is offering all new sign-up bonuses ranging from $200 bonus cash back to 60,000 points (equal to $750 when redeemed towards travel through Chase Ultimate Rewards®). You will have to make a certain amount of purchases to get these points.
Earn at least 1% cash back or 1 point per dollar on all purchases. Whatever you spend on, you're sure to get rewarded just for using your card.
Redeem for cash back. All cards give you the option to redeem your rewards in the form of cash back, which is cold hard cash which you can earn to offset your business expenses. All cards let you redeem your points through the Ultimate Rewards program for a wide variety of rewards including travel without blackout dates or restrictions, merchandise, gift cards, cash or VIP experiences.
No limit to the amount of cash back or points you can earn. The more business expenses you put on your card, the more cash back or points you'll earn, without any maximum cap.
Free monthly statements and quarterly management reports. Your expenses are itemized and categorized to make it easier for you to track your business' spending.
Zero Liability Protection. If there are any unauthorized purchases made with your Ink business card, you need not pay a single cent.
Benefits like travel accident insurance, auto rental insurance, roadside dispatch, baggage delay refund, 24/7 real-person customer service, purchase protection, extended warranty, fraud early warning service, etc.
Ink Cash® Business Credit Card: $0 annual fee, and as a signing offer, $200 bonus cash back after spending $3,000 in the first 3 months after account opening– one of the largest amounts ever offered for a business credit card. It gives you 5% cash rebate on office supplies, cable services, and telecom services on the first $25,000 dollars spent annually, 2% cash rebate on the first $25,000 spent each account anniversary year on gas and dining expenses, and 1% rebate on all other things. Rewards are earned as points and 1 point equals 1% or $0.01 cash back. So if you have 5,000 points, they can be redeemed for a $50 check. Offers a 0% intro APR for 12 months on purchases and balance transfers (13.49% - 19.49% variable APR thereafter). I personally prefer Ink Cash to the other Ink cards because you get cold hard cash back, with which you can do whatever you want.
Katrina Gutierrez is a writer at GET.com, a lifestyle and personal finance website. Email: firstname.lastname@example.org.
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Cards are rated by our team based primarily on the basis of value for money to the cardholder. The GET.com team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.