Whereas Chase gives a sturdy portfolio of private bank cards, the issuer additionally has a set of enterprise playing cards tailor-made to several types of corporations and bills.
Often called the Ink Enterprise household, these bank cards earn both money again or Chase Final Rewards factors. They typically supply profitable welcome bonuses and excessive incomes potential throughout a number of classes, making them a strong addition for a lot of varieties of enterprise homeowners.
Including an Ink Enterprise card to your pockets is a good way to separate private and enterprise funds. However you do not have to be a conventional enterprise proprietor to qualify. Actually, operating an Etsy retailer, freelance writing and lots of different micro-businesses could make you eligible.
With this in thoughts, let’s dive into these playing cards and see which works finest for your corporation.
Chase Ink Enterprise Playing cards overview
There are at present 4 Ink Enterprise playing cards out there:
The knowledge for the Ink Enterprise Most well-liked and Ink Enterprise Premier has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Every card comes with its personal welcome bonus, incomes charges and annual charges, which we’ll cowl beneath.
All of those playing cards supply the next advantages:
Reward your inbox with the TPG Each day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
- Baggage delay insurance coverage
- Prolonged guarantee
- Major automotive rental insurance coverage (when renting for enterprise functions)
- Buy safety
The Ink Enterprise Money, Ink Enterprise Premier and Ink Enterprise Limitless earn cash-back rewards, whereas the Ink Enterprise Most well-liked earns Chase Final Rewards factors.
Combining your rewards with different Final Rewards playing cards
Earlier than we get into every card’s particulars, it is essential to notice that in case you carry different playing cards that earn Final Rewards factors, you could possibly mix your rewards.
You may solely mix your rewards from the Ink Enterprise Money, Ink Enterprise Most well-liked and Ink Enterprise Limitless; rewards earned on the Ink Enterprise Premier cannot be mixed with different playing cards or transferred.
The playing cards you’ll be able to mix with are:
Combining your rewards with one in all these playing cards can additional increase your incomes and redemption choices.
The Sapphire Reserve for Enterprise is a premium enterprise card possibility from Chase that provides an elevated set of perks. Whereas it carries a $795 annual price and is not a part of the Ink Enterprise household, it is designed to ship luxurious journey and way of life advantages which will enchantment to sure enterprise homeowners. For a full breakdown of its options and rewards, learn our full evaluate of the Sapphire Reserve for Enterprise.
With the fundamentals out of the best way, let’s study extra about every Ink Enterprise card.
Ink Enterprise Money Credit score Card
Welcome bonus: Earn $900 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual price: $0
Incomes charges:
- 5% money again at workplace provide shops and on cable, web and telephone providers (on as much as $25,000 spent in mixed purchases every account anniversary yr)
- 2% money again at fuel stations and eating places (on the primary $25,000 spent in mixed purchases every account anniversary yr)
- 1% money again on all different purchases
Who ought to apply? Regardless of being one in all Chase’s no-annual-fee enterprise playing cards, the Ink Enterprise Money delivers sturdy worth on on a regular basis bills. Its bonus classes are particularly helpful in case you repeatedly buy workplace provides, cowl telephone providers or handle a small workplace.
Even when you have already got the Ink Enterprise Most well-liked, this card could be a sensible complement. It fills gaps by incomes 2% money again at fuel stations and eating places — classes the Most well-liked does not cowl.
And in case you maintain a premium Chase card, you’ll be able to mix your Ink Enterprise Money rewards into absolutely transferable Final Rewards factors for even larger flexibility.
To study extra, learn our full evaluate of the Ink Enterprise Money.
Apply right here: Ink Enterprise Money
Ink Enterprise Most well-liked Credit score Card
Welcome bonus: Earn 90,000 factors after spending $8,000 on purchases inside the first three months from account opening.
This welcome bonus is price $1,845, in accordance with TPG’s September 2025 valuations.
Annual price: $95
Incomes charges:
- 3 factors per greenback on journey, promoting purchases made with social media websites and search engines like google and yahoo, delivery purchases and cable, web and telephone providers (on the primary $150,000 spent in mixed purchases every account anniversary yr)
- 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’ll be able to switch to airways and resorts — by itself reasonably than money again. Additionally it is the one Ink card that earns bonus factors on journey purchases, particularly.
The annual price is low sufficient that freelancers and facet hustlers can simply offset the price, and the upper spending cap on enterprise bonus classes makes it a pleasant card for established enterprise homeowners with places of work and staff.
To study extra, learn our full evaluate of the Ink Enterprise Most well-liked.
Associated: Who’s eligible for the Chase Ink Enterprise Most well-liked?
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 price: $195
Incomes charges:
- 5% money again on journey bought by way of Chase Journey℠
- 2.5% money again on purchases of $5,000 or extra
- 2% money again on all different eligible purchases
Who ought to apply? The Ink Enterprise Premier is essentially the most premium cash-back providing within the Chase enterprise card household, carrying a $195 annual price.
Sadly, the Ink Enterprise Premier doesn’t earn absolutely transferable Final Rewards factors like its counterpart, the Ink Enterprise Most well-liked. You can also’t switch the rewards earned on the Ink Enterprise Premier to different Final Rewards playing cards.
As an alternative, Ink Enterprise Premier cardholders can redeem their factors for money again, present playing cards, assertion credit and journey by way of Chase Journey. As such, this card is geared towards enterprise homeowners with excessive working bills who wish to recoup the $195 annual price and earn money again to take a position again into their enterprise (reasonably than incomes journey rewards).
The Ink Enterprise Premier is a distinct segment possibility that probably will not enchantment to journey rewards fans however may be enticing to those that need a easy but profitable card with no preset spending restrict.
To study extra, learn our full evaluate of the Ink Enterprise Premier.
Associated: Who ought to (and who should not) get the Ink Enterprise Premier?
Ink Enterprise Limitless Credit score Card
Welcome bonus: Earn $900 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual price: $0
Incomes charges: 1.5% money again on all purchases
Who ought to apply? This is a superb card for freelancers who need a card that earns effectively on each greenback with out having to maintain monitor of bonus classes. It is also a terrific selection for enterprise homeowners who want a card for his or her bills that do not fall underneath a bonus class with their different playing cards, because you get limitless 1.5% again on each buy.
For freelancers or these with facet 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, protecting purchases that do not have additional earnings on different playing cards.
As with the Ink Enterprise Money, you have got the power to maximise your money again by changing it to factors with a premium Chase card.
To study extra, learn our full evaluate of the Ink Enterprise Limitless.
Apply right here: Ink Enterprise Limitless
Which Ink Enterprise card is best for you?
There are a number of elements to contemplate while you’re choosing an Ink Enterprise card. Listed here are some high concerns:
- For advantages to enhance cash-back Ink Enterprise playing cards: The Most well-liked gives extra rewards that may complement the Money and/or Limitless whereas solely charging a minimal annual price.
- For on a regular basis spending exterior of bonus classes: The Limitless racks up 1.5% money again on all purchases with out class restrictions, spending limits or an annual price.
- For prime-spending companies: The Premier is an efficient possibility for companies that spend 1000’s yearly and wish to earn a profitable 2%-2.5% cash-back price on all eligible purchases.
- For workplace provide retailer and telecommunications service purchases: The no-annual-fee Money earns 5% money again at workplace provide shops and on telecommunications providers (as much as $25,000 of those purchases every account anniversary yr).
Whilst you’re weighing advantages, think about that the Most well-liked and Premier set themselves aside with cellphone safety. This may be invaluable contemplating the excessive value of smartphones.
The Most well-liked and Premier playing cards additionally don’t cost international transaction charges, whereas the Money and Limitless cost a 3% price on international transactions.
For those who already carry the Money or Limitless, you may wish to think about including the Most well-liked to your lineup for 4 principal causes:
- Rewards earned on Chase cash-back playing cards, such because the Money or Limitless, may be transferred to the cardboard after which used as full-fledged Chase Final Rewards factors with journey companions.
- The flexibility to earn 3 factors per greenback spent on journey and promoting purchases made with social media websites and search engines like google and yahoo, (as much as $150,000 of those purchases per account anniversary yr).
- The cellphone safety profit might simply justify the $95 annual price.
- The excessive worth of the welcome bonus.
However suppose your corporation does not spend a lot on the bonus classes of the Money or Most well-liked. In that case, chances are you’ll be higher off merely incomes 1.5% money again on all the pieces with the Limitless.
Associated: Easy methods to full a Chase enterprise bank card utility
Can I’ve multiple Ink Enterprise bank card from Chase?
Sure, you’ll be able to. This selection may be interesting for companies which can be absolutely invested within the Final Rewards ecosystem and wish to maximize purchases throughout a number of bonus classes.
Here is an instance of tips on how to method this:
- 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 to earn 2% again (or 2 factors per greenback spent).
- Ink Enterprise Most well-liked: Use this card for journey, delivery and promoting purchases with social media platforms and search engines like google and yahoo to earn 3 factors per greenback spent. Plus, use it for all purchases exterior the U.S. to keep away from international transaction charges.
- Ink Enterprise Limitless: Use this card for all different purchases to earn 1.5% again (or 1.5 factors per greenback spent).
For those who then mix all your earnings from these playing cards underneath your Ink Enterprise Most well-liked, you will have a big stability of absolutely transferable Final Rewards factors.
Additionally think about:
- Ink Enterprise Premier: Use this card for all different purchases in case you’re blissful incomes money again or in case you want a card with no preset spending restrict when making massive purchases.
Associated: Why you might have considered trying the Ink Enterprise Most well-liked over the Sapphire Reserve
Ink Enterprise utility restrictions
You may open every Ink Enterprise card, earn the welcome bonus on every and even qualify for bonuses throughout a number of companies. Nevertheless, Chase’s customary utility guidelines nonetheless apply.
Usually, it is best to restrict your self to at least one private and one enterprise card utility with Chase inside any 90-day interval. You will additionally wish to maintain the Chase 5/24 rule in thoughts: in case you’ve opened 5 or extra private bank cards up to now 24 months, you will probably be denied for many new Chase playing cards. (The excellent news is that Chase enterprise playing cards do not add to your 5/24 depend as soon as opened.)
For those who aren’t immediately accepted, chances are you’ll be requested to supply extra particulars about your corporation or submit supporting paperwork throughout a reconsideration name. Slightly additional effort can go a great distance, unlocking the precious rewards these playing cards supply.
Backside line
Chase’s Ink Enterprise lineup gives a few of the most rewarding small-business playing cards in the marketplace, with choices for each money again and transferable Final Rewards factors. By strategically pairing two or extra Ink playing cards, you’ll be able to cowl a variety of spending classes, unlock invaluable journey protections and maximize each enterprise buy.
Whether or not you are a freelancer, facet hustler or established enterprise proprietor, there’s probably an Ink card — or a mixture of them — that may increase your rewards technique whereas serving to you retain enterprise and private bills separate.
Apply right here: Ink Enterprise Money Credit score Card
Study extra: Ink Enterprise Most well-liked
Study extra: Ink Enterprise Premier
Apply right here: Ink Enterprise Limitless Credit score Card
