Whereas Chase presents a sturdy portfolio of shopper bank cards, the issuer additionally has a set of enterprise playing cards tailor-made to several types of corporations and bills.
Referred to as the Ink Enterprise household, these bank cards earn both cash-back rewards or Chase Final Rewards factors.
Relying on the cardboard you carry, you could possibly mix your rewards with different playing cards that earn Final Rewards factors — such because the Chase Sapphire Most popular® Card (see charges and charges), Chase Sapphire Reserve® (see charges and charges), Chase Freedom Flex® (see charges and charges), or Chase Freedom Limitless® (see charges and charges), — to additional enhance your incomes and redemption choices.
There are presently 4 Ink Enterprise playing cards obtainable for these keen on making use of:
Let’s study these 4 playing cards and see which works greatest for your small business.
Chase Ink Enterprise Playing cards overview
| Ink Enterprise Premier | Ink Enterprise Money | Ink Enterprise Limitless | Ink Enterprise Most popular | |
|---|---|---|---|---|
| Annual payment | $195 | $0 | $0 | $95 |
| Welcome bonus | Earn $1,000 money again after spending $10,000 on purchases inside the first three months of account opening. | Earn as much as $750: $350 money again after spending $3,000 on purchases within the first three months from account opening and a further $400 after spending $6,000 on purchases within the first six months from account opening. | Earn $750 money again after spending $6,000 on purchases inside the first three months from account opening. | Earn 90,000 factors after spending $8,000 on purchases inside the first three months from account opening. |
| Incomes price |
|
|
|
|
| International transaction charges | None | 3% of every transaction | 3% of every transaction | None |
| Advantages |
|
|
|
|
Chase Ink Enterprise playing cards
Ink Enterprise Premier Credit score Card
Welcome bonus: Earn $1,000 money again after spending $10,000 on eligible purchases inside the first three months of account opening.
Annual payment: $195.
Rewards: Earn 5% money again on journey bought via Chase Journey, 2.5% money again on purchases of $5,000 or better and a pair of% money again on all different eligible purchases.
Every day E-newsletter
Reward your inbox with the TPG Every day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Who ought to apply? The Ink Enterprise Premier is probably the most premium providing within the Chase enterprise card household, carrying a $195 annual payment.
Sadly, the Ink Enterprise Premier doesn’t earn totally transferable Final Rewards factors like its counterpart, the Ink Enterprise Most popular (extra on that beneath). You can also’t 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 via Chase Journey. 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 and are not as involved with incomes journey rewards.
The Ink Enterprise Premier is a distinct segment possibility that possible will not attraction to journey rewards fanatics however may be enticing to those that desire a easy but profitable card with no preset spending restrict. For extra info, learn our full overview of the Ink Enterprise Premier.
Associated: Who ought to (and who should not) get the Chase Ink Enterprise Premier?
Apply right here: Ink Enterprise Premier
Ink Enterprise Money Credit score Card
Welcome bonus: Earn as much as $750: $350 money again after spending $3,000 on purchases within the first three months from account opening and a further $400 after spending $6,000 on purchases within the first six months from 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 12 months. Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary 12 months. Earn 1% money again on all different purchases.
Who ought to apply? Regardless of being certainly one of Chase’s entry-level enterprise bank cards with no annual payment, the Ink Enterprise Money presents a strong return on purchases, although its bonus classes are in all probability greatest suited for individuals who have bodily workplaces. This implies individuals who do business from 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 if you happen to carry the Ink Enterprise Most popular, you may wish to contemplate this card as effectively, because of the truth that it has no annual payment and earns 2% money again at gasoline stations and eating places, which the Ink Enterprise Most popular doesn’t. Then, you possibly can convert the rewards earned into miles or factors with Chase’s airline and lodge companions, or redeem them at higher charges of 1.25 cents (if you happen to switch to the Sapphire Most popular or Ink Enterprise Most popular) or 1.5 cents (if you happen to switch to the Sapphire Reserve) towards journey reservations made via Chase Journey.
For extra info, learn our full overview of the Ink Enterprise Money card.
Associated: Higher collectively: Why the Ink Enterprise Most popular and the Ink Enterprise Money are an awesome pair
Apply right here: Ink Enterprise Money
Ink Enterprise Limitless Credit score Card
Welcome bonus: Earn $750 money again after spending $6,000 on purchases inside the first three months from account opening.
Annual payment: $0.
Rewards: Earn 1.5% money again on all purchases. As with the Ink Enterprise Money card, you’ve got the power to open up extra redemption values and extra redemption alternatives if you happen to carry one other Chase Final Rewards-earning card, such because the Chase Sapphire Most popular, Chase Sapphire Reserve, or Ink Enterprise Most popular.
Who ought to apply? This is a superb card for freelancers who desire a card that earns effectively on each greenback with out having to maintain monitor of bonus classes. It is also an awesome alternative for enterprise house owners who want a card for his or her bills that do not fall below a bonus class with their different playing cards, because you get limitless 1.5% again on each buy. For freelancers or these with aspect hustles, this implies maximizing each buy with out juggling a number of playing cards with annual charges. For established companies, it is a nice card to pair with different Chase playing cards, masking purchases that do not have additional earnings on different playing cards.
For extra info, learn our full overview of the Ink Enterprise Limitless card.
Associated: 6 causes to get the Ink Enterprise Limitless Credit score Card
Apply right here: Ink Enterprise Limitless
Ink Enterprise Most popular Credit score Card
Welcome bonus: Earn 90,000 factors after spending $8,000 on purchases inside the first three months from 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 engines like google, transport purchases and web, cable and telephone companies every account anniversary 12 months. 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 inns) by itself fairly 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 aspect hustlers can simply offset the associated fee, however the greater spending cap on enterprise bonus classes means it is also a pleasant card for established enterprise house owners with workplaces and staff.
For extra info, learn our full overview of the Ink Enterprise Most popular card.
Associated: Who’s eligible for the Chase Ink Enterprise Most popular card?
Apply right here: Ink Enterprise Most popular
Which Ink Enterprise card is best for you?
Every of those playing cards presents spectacular earnings in a minimum of one class:
- The no-annual-fee Ink Enterprise Money earns 5% money again at workplace provide shops and on telecommunications companies — as much as $25,000 of those purchases per card membership 12 months.
- 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 popular Card presents 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 efficient possibility for companies that spend hundreds yearly and wish to earn a profitable 2%-2.5% cash-back price on all eligible purchases.
The Ink Enterprise Most popular and the Ink Enterprise Premier set themselves aside with cellphone safety, which may be worthwhile contemplating the present price of smartphones.
Should you already carry an Ink Enterprise Money or Ink Enterprise Limitless, you may wish to contemplate including the Ink Enterprise Most popular to your lineup for 4 important causes:
- The flexibility to earn 3 factors per greenback on journey and promoting purchases made with social media websites and engines like google — as much as $150,000 of those purchases per account anniversary 12 months.
- The cellphone safety profit might simply justify the $95 annual payment.
- Rewards earned on Chase cash-back playing cards, such because the Ink Enterprise Money and Ink Enterprise Limitless, may be transferred to the cardboard after which used as full-fledged Chase Final Rewards factors with journey companions.
- The 90,000-point welcome bonus is value $1,845 based mostly on TPG’s Might 2025 valuations.
Suppose your small business does not spend a lot on the bonus classes of the Ink Enterprise Money or Ink Enterprise Most popular. In that case, it’s possible you’ll be higher off merely incomes 1.5% money again on every thing with the Ink Enterprise Limitless.
Associated: Learn how to full a Chase enterprise bank card utility
Do I qualify for a enterprise bank card?
Carrying a small-business bank card is a superb method to maintain your private and enterprise bills separate. You could be stunned at what qualifies for a enterprise bank card — no storefront or warehouse is required. A web based Etsy retailer, a contract writing gig, working as a ride-hailing service driver and plenty of different micro-businesses qualify you for a card.
The most effective enterprise bank cards typically supply enticing welcome bonuses and excessive incomes potential throughout a number of classes, which makes them worthwhile additions to your pockets, regardless of the scale of your small business.
Associated: Learn how to get a enterprise bank card
Can I’ve multiple Ink Enterprise bank card from Chase?
The quick reply is “sure.” This feature may be interesting for companies which are totally invested within the Final Rewards ecosystem and wish to maximize purchases throughout a number of bonus classes.
Here is 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 spent), and use it at eating places as effectively to earn 2% again (or 2 factors per greenback spent).
- Ink Enterprise Most popular: Use this card for journey prices, transport suppliers and promoting purchases with social media platforms and engines like google to earn 3 factors per greenback spent. 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 spent) if you wish to earn rewards that may be become transferable factors.
Should you then mix all your earnings from these playing cards below your Ink Enterprise Most popular, you may have a pleasant stability of totally transferable Final Rewards factors. Additionally contemplate:
- Ink Enterprise Premier: Use this card for all different purchases if you happen to’re OK with incomes money again or if you happen to want a card with no preset spending restrict when making massive purchases.
The appliance phrases assist you to open every card, earn the welcome bonus on every, and even earn the bonus on every card for every of your separate companies. Nevertheless, the issuer’s commonplace utility restrictions will apply; if you wish to add a brand new Ink product to your pockets, contemplate these tips to maximise your approval probabilities.
Backside line
As with Chase’s shopper 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 for your small business spending. Should you plan to use for a number of of those playing cards, making use of for no multiple private and one enterprise card with Chase inside a 90-day window is really helpful.
When planning your technique, bear in mind Chase’s 5/24 rule, which implies that you possibly can be rejected mechanically for many Chase playing cards if you happen to’ve opened 5 or extra playing cards within the final 24 months. Opening a brand new enterprise card from Chase won’t add to your 5/24 standing.
Should you aren’t instantly permitted and must name for reconsideration, it’s possible you’ll must reply questions on your small business or present supporting paperwork earlier than your utility is permitted. However that bit of additional effort might be effectively value it to reap the rewards these playing cards supply.
Apply right here: Ink Enterprise Most popular Credit score Card
Apply right here: Ink Enterprise Limitless Credit score Card
Apply right here: Ink Enterprise Money Credit score Card
Apply right here: Ink Enterprise Premier Credit score Card
