Ink Enterprise Most well-liked Card overview
The Ink Enterprise Most well-liked® Credit score Card (see charges and charges) is a wonderful all-around enterprise bank card, providing a large welcome bonus and the flexibility to earn worthwhile Final Rewards factors on a wide range of enterprise bills. These rewards can then be transferred to 14 airline and resort companions or redeemed straight for journey at a price of as much as 1.75 cents per level by means of Chase Journey℠ with Factors Enhance. Card score*: ⭐⭐⭐⭐½
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Ink Enterprise Most well-liked is a TPG favourite.
Though there are various stable enterprise bank cards obtainable, the Ink Enterprise Most well-liked has distinctive perks that make it engaging for enterprise house owners trying to maximize their incomes potential and unlock worthwhile rewards by means of the Final Rewards program.
The cardboard has a $95 annual charge, making it very attainable for many. For the perfect probabilities of approval, you will desire a credit score rating of at the very least 670.
Let’s take a better take a look at the Ink Enterprise Most well-liked so you possibly can determine if it is a good match for your online business.
Ink Enterprise Most well-liked execs and cons
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Ink Enterprise Most well-liked welcome supply
If accredited for the Ink Enterprise Most well-liked, you will be eligible to earn a welcome bonus of 90,000 bonus factors after spending $8,000 within the first three months from account opening.
This is not fairly the best welcome bonus we have seen on this card, nevertheless it meets our standards of when to use.
Primarily based on TPG’s August 2025 valuations, the bonus factors alone are value a whopping $1,845. That is primarily as a result of the factors will be transferred to numerous journey companions, together with British Airways, Southwest Airways and United Airways.
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To unlock the welcome supply, you will have to spend a mean of $2,667 per 30 days within the first three months. For a lot of small companies, this stage of spending could also be a non-issue. Moreover, small companies with a number of staff can request limitless free worker playing cards to assist meet the spending requirement.
Nonetheless, freelancers or those that desire a enterprise bank card to earn rewards on bills associated to a facet gig might not have the ability to realistically hit the bonus. And you do not need to violate TPG’s sixth commandment for bank cards: Thou shalt not miss out on a welcome bonus.
Associated: Who’s eligible for the Chase Ink Enterprise Most well-liked card?
Ink Enterprise Most well-liked advantages
The incomes charges and redemption choices alone make this an intriguing card, however you will get a number of added perks that make it much more worthwhile. Here is a fast rundown:
- Cellphone safety: For those who’re vulnerable to damaging your cellphone, the Ink Enterprise Most well-liked could possibly be a fantastic card to have. While you cost your month-to-month cellphone invoice to the cardboard, you and eligible staff on the plan can obtain as much as $1,000 per declare for injury or theft of cellphones. You are restricted to a few claims in a 12-month interval and should pay a $100 deductible per declare. However, this can be a terrific profit that’s comparatively uncommon amongst bank cards.
- Buy safety: Moreover cellphone safety, you are coated for different purchases. If an eligible merchandise is broken or stolen inside the first 120 days after buy, you are coated as much as $10,000 per declare ($50,000 per account). This is usually a lifesaver if one thing goes fallacious with that new buy.
- Journey cancellation/interruption insurance coverage: For those who should cancel or minimize a visit quick due to a coated challenge (similar to sickness or extreme climate), you are eligible for as much as $5,000 of protection per individual for pay as you go, nonrefundable journey bills, which gives nice peace of thoughts when sudden issues come up.
- Journey delay reimbursement: If a coated journey is delayed by a coated hazard for 12 or extra hours — or lengthy sufficient to require an in a single day keep — you will be eligible for reimbursement, as much as $500 per ticket in affordable bills. This will prevent in conditions like poor climate, the place the airline typically will not present any compensation. Be aware that you just solely have to cost a part of your common-carrier fare to the cardboard to make use of this profit, so you will be coated on award tickets in case you put the taxes and charges on the cardboard.
- Major automobile rental protection: Renting a automobile is usually a dangerous (and costly) proposition, however in case you use the Ink Enterprise Most well-liked card for the complete rental value and are touring for enterprise functions, you are coated for theft and injury within the U.S. and most international locations around the globe. Keep in mind that this does not supply any legal responsibility protection, however you’re coated as much as the precise money worth of the automobile you are renting.
- Prolonged guarantee safety: Purchases with a U.S. producer’s guarantee of three years or much less will get protection for an additional yr. This may be extraordinarily useful when an merchandise stops working shortly after its scheduled guarantee ends.
The Ink Enterprise Most well-liked additionally provides numerous enterprise instruments, together with account insights, bookkeeping integration and account alerts. Essentially the most worthwhile advantage of this card continues to be most likely cellphone safety. Not many playing cards supply this perk, and contemplating the Ink Enterprise Most well-liked additionally provides 3 factors per greenback spent on cellphone companies, this can be a win-win.
The Ink Enterprise Most well-liked does not supply a lot in the way in which of journey credit, lounge entry or different luxurious advantages that opponents have, similar to The Enterprise Platinum Card® from American Specific with its $695 annual charge (see charges and charges).
Nonetheless, for less than a $95 annual charge, this card provides plenty of worth to cardholders.
Associated: Is the Ink Enterprise Most well-liked definitely worth the annual charge?
Incomes factors on the Ink Enterprise Most well-liked
In terms of incomes factors, the Ink Enterprise Most well-liked provides a wide range of bonus classes that may be fairly profitable to small-business house owners. You will earn 3 factors per greenback spent on the primary $150,000 spent in mixed purchases every year within the following classes:
- Journey
- Delivery purchases
- Web, cable and cellphone companies
- Promoting purchases made with social media websites and search engines like google
This $150,000 threshold is predicated in your account anniversary yr, so it would reset every year while you renew your card. Since TPG’s August 2025 valuations peg the worth of Chase Final Rewards factors at 2.05 cents apiece, you will get a implausible return of 6.15% on purchases in these classes.
And in case you max out these classes by spending the total $150,000, you will take dwelling a complete of 450,000 Final Rewards factors, which our valuations peg at a whopping $9,225.
As soon as you’ve got surpassed that mark, your purchases within the aforementioned classes will drop to match the incomes price of all different purchases: 1 level per greenback spent. Although that is not too thrilling, you are still taking a look at over a 2% return, which is not dangerous for a card with a $95 annual charge.
Associated: How you can meet minimal spending on the Ink Enterprise Most well-liked
Redeeming factors on the Ink Enterprise Most well-liked
Incomes a giant haul of factors is one factor; redeeming them for max worth is a wholly completely different story.
Like most playing cards that earn transferable factors, you get probably the most worth while you redeem your Ink Enterprise Most well-liked rewards for journey by transferring them to any of Chase’s 14 resort and airline companions or reserving journey straight by means of Chase Journey.
You may redeem these factors at a price of as much as 1.75 cents apiece, relying on the particular redemption, for journey purchases like flights, motels and rental vehicles that you just ebook by means of Chase Journey due to the brand new Factors Enhance redemption choice.
Or, when you’ve got the Chase Sapphire Reserve® (see charges and charges) or the Chase Sapphire Reserve for Enterprise℠ (see charges and charges) you possibly can switch your factors to that card and redeem them at a price of as much as 2 cents apiece towards journey, relying on the particular redemption.
For those who’re an present cardholder whose account was opened earlier than June 23, any factors you earned previous to Oct. 26, 2025, will be redeemed by way of Chase Journey on the outdated mounted price of 1.25 cents per level or as much as 1.75 cents per level with Factors Enhance (whichever is greater) till Oct. 26, 2027.
Although you will get lower than TPG’s August 2025 2.05-cent valuation of Final Rewards factors with this redemption choice, it is easy and does not require a lot effort.
Do not forget that while you redeem Final Rewards factors straight for airfare, you’ll nonetheless earn miles and elite credit score, simply as you’ll on an everyday paid ticket. Nonetheless, that is typically not the case with resort bookings.
Associated: What is the distinction between Chase’s The Edit properties and Factors Enhance?
Transferring factors on the Ink Enterprise Most well-liked
You even have the choice to switch your factors to any of Chase’s 14 resort and airline companions. You will probably get probably the most worth out of your factors by going this route, due to sturdy switch companions like Air France-KLM Flying Blue, United MileagePlus and World of Hyatt.
As well as, most of those transfers put up immediately, making certain you will not have to attend for the factors or miles to reach and miss out on the redemption you need.
TPG bank cards author Chris Nelson likes to maximise his Final Rewards factors by transferring them to Hyatt. He only in the near past transferred 6,500 Final Rewards factors for a quick in a single day keep on the Hyatt Place Amsterdam airport, the place money charges had been operating $200 plus.
No matter which associate you select, the ability of the Final Rewards program (and actually any transferable level forex) is the pliability it permits. You are not locked right into a single airline or resort rewards program, and you may wait till you are able to ebook to switch factors.
Associated: How a lot are Chase Final Rewards factors value?
Which playing cards compete with the Ink Enterprise Most well-liked?
With a low annual charge, worthwhile factors, profitable incomes charges and stable advantages, the Ink Enterprise Most well-liked is a good choice for a lot of small companies. Nonetheless, there are a number of different choices that could possibly be a greater match to your firm:
- If you’d like extra customizable incomes classes: The American Specific® Enterprise Gold Card carries the next annual charge of $375 (see charges and charges), however you will earn 4 factors per greenback spent in your highest two spending classes every billing cycle (on the primary $150,000 in mixed purchases every calendar yr, then 1 level per greenback spent thereafter). If you cannot maximize the Ink Enterprise Most well-liked’s classes or your spending varies from month to month, this can be a greater choice. To study extra, learn our full evaluate of the Amex Enterprise Gold.
- For those who do not need to fear about bonus classes: The Capital One Spark Miles for Enterprise card provides at the very least 2 miles per greenback spent on all purchases. This card has a $0 introductory annual charge for the primary yr, then $95 every year after. You continue to have entry to switch companions by means of Capital One, although you will sacrifice further perks. To study extra, learn our full evaluate of the Capital One Spark Miles card.
- For those who do not need to pay an annual charge: The Ink Enterprise Limitless® Credit score Card (see charges and charges) earns 1.5% again on each buy at no annual charge, plus primary perks like buy safety and the choice so as to add worker playing cards at no further value. To study extra, learn our full evaluate of the Ink Enterprise Limitless.
For added choices, try our information to the perfect enterprise bank cards.
Associated: Ink Enterprise Most well-liked vs. Capital One Spark Miles for Enterprise
Backside line
For those who spend considerably throughout the 4 bonus classes (journey, delivery, promoting and telecommunication suppliers), you will earn tons of additional Final Rewards factors in your new Ink Enterprise Most well-liked. Plus, you and your staff will take pleasure in numerous journey and procuring protections, like main protection when renting a automobile for enterprise functions and beneficiant cellphone safety.
For those who’re simply beginning out, we extremely suggest beginning with this card, particularly in case you can pair it with different playing cards, such because the Chase Sapphire Reserve and Chase Freedom Limitless® (see charges and charges), to maximise your rewards throughout much more purchases.
Apply right here: Ink Enterprise Most well-liked Credit score Card
For charges and charges of the Amex Enterprise Platinum, click on right here.
For charges and charges of the Amex Enterprise Gold, click on right here.
