Ink Enterprise Money Credit score Card overview
Chase’s Ink Enterprise Money® Credit score Card (see charges and costs) is a good alternative for small companies trying to earn bonus rewards on workplace provides and choose utilities and at fuel stations and eating places — for no annual charge. And you may greater than double the worth of your rewards for those who switch them to a card that earns Chase Final Rewards factors. Card Ranking*: ⭐⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Ink Enterprise Money is among the greatest no-annual-fee enterprise playing cards available on the market.
It provides excessive incomes charges on on a regular basis bills like workplace provides, and cable, web and cellphone companies — plus sturdy returns at fuel stations and eating places. And for those who additionally maintain a premium Chase card, you’ll be able to unlock even larger worth by transferring rewards to the Final Rewards ecosystem.
The beneficial credit score rating to use for this card is 670 or above.
Let’s take a more in-depth take a look at the Ink Enterprise Money Credit score Card so you’ll be able to determine if it is a good match for your small business.
Ink Enterprise Money professionals and cons
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Ink Enterprise Money welcome provide
The Ink Enterprise Money is at the moment providing a profitable, limited-time welcome bonus. New candidates can earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening.
This matches the best bonus supplied within the card’s historical past and is the primary time we have seen it since January 2024. So, now’s the most effective time to use.
And you may flip the cash-back bonus into Final Rewards factors for those who switch your cash-back rewards to a card that earns Final Rewards factors, such because the Ink Enterprise Most popular® Credit score Card, Chase Sapphire Reserve® (see charges and costs), Chase Sapphire Most popular® Card (see charges and costs) or Chase Sapphire Reserve for Enterprise℠ (see charges and costs).
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In case you even have one in all these playing cards, your cashback will turn into 90,000 Final Rewards factors value $1,845, in accordance with TPG’s September 2025 valuations.
The data for the Ink Enterprise Most popular has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
The Ink Enterprise Money is topic to Chase’s 5/24 rule, that means you will doubtless be denied for those who’ve opened 5 or extra private bank cards throughout all banks previously 24 months.
Associated: Your information to the Chase Ink Enterprise bank cards
Ink Enterprise Money advantages
The Ink Enterprise Money is a no-annual-fee card that provides modest advantages and perks.
One of many card’s greatest perks for a lot of small-business house owners is you can request playing cards for workers at no further value. You will earn rewards for his or her spending, and you’ll even set particular person worker spending limits for larger management.
While you buy eligible objects with the Ink Enterprise Money, these purchases can be lined by prolonged guarantee and buy protections. These protections can save your small business some critical money.
Prolonged guarantee safety extends the interval of a U.S. producer’s guarantee by an extra yr on eligible warranties of three years or much less. And buy safety covers your new purchases for 120 days towards injury or theft at as much as $10,000 per declare and $50,000 per account.
While you hire a automobile, you might be lined by the Ink Enterprise Money’s auto rental collision injury waiver whenever you decline the rental firm’s collision insurance coverage and cost the whole rental value to your card. Protection is main when renting for enterprise functions and supplies reimbursement as much as the precise money worth of the automobile for theft and collision injury for many leases within the U.S. and overseas.
Whether or not you are at dwelling or overseas, you’ll be able to name the Profit Administrator for authorized and medical referrals in addition to different journey and emergency help. Brokers can present steering and knowledge when wanted, however you will be liable for the price of any companies you acquire.
Lastly, the Ink Enterprise Money options zero legal responsibility safety, which implies you will not be held liable for unauthorized costs made along with your card or account info. Chase will assist safeguard your account utilizing real-time fraud monitoring.
Associated: Causes to use for the Ink Enterprise Money
Incomes rewards on the Ink Enterprise Money
With the Chase Ink Enterprise Money, you will earn:
- 5% money again at workplace provide shops and on cable, web and cellphone companies (on as much as $25,000 in mixed purchases per account anniversary yr)
- 2% money again at fuel stations and eating places (on as much as $25,000 in mixed purchases per account anniversary yr)
- 1% money again on all different purchases
5% money again is spectacular for a no-annual-fee card, the most effective cash-back bank card incomes charges available on the market, and it is even higher in case you have a card that earns Chase Final Rewards factors. Then you’ll be able to switch your money again to Final Rewards factors and successfully earn 5 Final Rewards factors per greenback spent at workplace provide shops and on cable, web and cellphone companies.
Since TPG’s September 2025 valuations peg Final Rewards factors at 2.05 cents every, that is an over 10% return on spending in these classes.
Associated: Enterprise bank cards vs. cost playing cards — which is best for you?
Redeeming rewards on the Ink Enterprise Money
Simply because the Chase Ink Enterprise Money is a cash-back card does not imply you do not have choices for redeeming your rewards. In case you redeem for money, you’ll be able to obtain your cash as an account assertion credit score or by an digital deposit into an eligible U.S. checking or financial savings account.
Different choices, similar to present playing cards, journey, distinctive experiences, Amazon Store with Factors and Apple Final Rewards Retailer, present lower than face worth in your cash-back rewards. So, we typically do not advocate redeeming your rewards for these lower-value choices.
Associated: maximize your Chase Final Rewards factors
Transferring rewards on the Ink Enterprise Money
When you’ve got a card such because the Ink Enterprise Most popular or a Sapphire card that earns Chase Final Rewards factors, you unlock an extra redemption choice: You’ll be able to convert the cash-back rewards in your Ink Enterprise Money to Chase Final Rewards factors.
The opposite card that earns Chase Final Rewards factors should be registered to you, the corporate’s proprietor or a family member to qualify. As soon as you progress factors to an Final Rewards-earning account, you’ll be able to switch them to airline and lodge journey companions or guide journey straight by Chase Journey℠ at a greater fee.
TPG contributing editor Matt Moffitt converts the money again he earns on his Ink Enterprise Money to Final Rewards factors as he holds the Chase Sapphire Reserve. Then he transfers these factors to World of Hyatt for high-value lodge redemptions.
Associated: guide journey (and save factors) with Chase Journey
Which playing cards compete with the Ink Enterprise Money?
The Ink Enterprise Money is a superb alternative in case your main spending aligns properly with the workplace provide and utilities bonus classes. However listed here are another choices:
For extra choices, take a look at our full record of the most effective enterprise bank cards.
Associated: get a enterprise bank card
Is the Ink Enterprise Money value it?
The Ink Enterprise Money is good if your small business spends underneath $25,000 every year in its high bonus classes (workplace provide shops, cable, web and cellphone companies; or fuel stations and eating places). When you hit that cap, bonus earnings drop to 1%, so this card works greatest for companies with average bills in these classes.
Backside line
The mix of simplicity and the potential for redemptions makes the Ink Enterprise Money a sensible choice for those who’re on the lookout for cash-back rewards or the flexibility to transform money again to transferable journey rewards.
In case you ceaselessly store at workplace provide shops or pay cable, web and cellphone companies with a bank card, including the Ink Enterprise Money to your pockets might elevate your earnings on these bills with out requiring you to pay an annual charge.
Apply right here: Ink Enterprise Money
