Chase Ink Enterprise Most well-liked card assessment: Full particulars

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 power 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 immediately for journey at a charge of as much as 1.75 cents per level by means of Chase Journey℠ with Factors Enhance. Card score*: ⭐⭐⭐⭐½

*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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The Ink Enterprise Most well-liked is a TPG favourite.

Though there are a lot of stable enterprise bank cards out there, the Ink Enterprise Most well-liked has distinctive perks that make it engaging for enterprise homeowners trying to maximize their incomes potential and unlock worthwhile rewards by means of the Final Rewards program.

The cardboard has a $95 annual price, making it very attainable for many. For the very best probabilities of approval, you may desire a credit score rating of not less than 670.

Let’s take a better take a look at the Ink Enterprise Most well-liked so you may resolve if it is a good match for your small business.

Ink Enterprise Most well-liked professionals and cons

Ink Enterprise Most well-liked welcome supply

If permitted for the Ink Enterprise Most well-liked, you may 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 highest welcome bonus we have seen on this card, however it meets our standards of when to use.

Based mostly on TPG’s August 2025 valuations, the bonus factors alone are price a whopping $1,845. That is primarily as a result of the factors might be transferred to numerous journey companions, together with British Airways, Southwest Airways and United Airways.

To unlock the welcome supply, you may must spend a median of $2,667 per thirty 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.

Nevertheless, freelancers or those that desire a enterprise bank card to earn rewards on bills associated to a facet gig might not be capable to realistically hit the bonus. And you do not wish 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 may get a number of added perks that make it much more worthwhile. This is a fast rundown:

• Cellphone safety: For those who’re liable to damaging your cellphone, the Ink Enterprise Most well-liked might be an awesome card to have. Whenever 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 harm or theft of cellphones. You are restricted to 3 claims in a 12-month interval and should pay a $100 deductible per declare. Nonetheless, it is a terrific profit that’s comparatively uncommon amongst bank cards.
• Buy safety: In addition to cellphone safety, you are coated for different purchases. If an eligible merchandise is broken or stolen throughout 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 flawed with that new buy.
• Journey cancellation/interruption insurance coverage: For those who should cancel or minimize a visit quick due to a coated difficulty (equivalent 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 supplies 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 may be eligible for reimbursement, as much as $500 per ticket in cheap bills. This will prevent in conditions like poor climate, the place the airline usually will not present any compensation. Notice that you simply solely must cost a part of your common-carrier fare to the cardboard to make use of this profit, so you may be coated on award tickets in case you put the taxes and charges on the cardboard.
• Major automotive rental protection: Renting a automotive is usually a dangerous (and costly) proposition, however in case you use the Ink Enterprise Most well-liked card for your entire rental price and are touring for enterprise functions, you are coated for theft and harm within the U.S. and most international locations all over the world. 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 car 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 12 months. This may be extraordinarily useful when an merchandise stops working shortly after its scheduled guarantee ends.

The Ink Enterprise Most well-liked additionally affords numerous enterprise instruments, together with account insights, bookkeeping integration and account alerts. Essentially the most worthwhile advantage of this card continues to be in all probability cellphone safety. Not many playing cards supply this perk, and contemplating the Ink Enterprise Most well-liked additionally affords 3 factors per greenback spent on telephone providers, it is a win-win.

The Ink Enterprise Most well-liked would not supply a lot in the best way of journey credit, lounge entry or different luxurious advantages that opponents have, equivalent to The Enterprise Platinum Card® from American Categorical with its $695 annual price (see charges and charges).

Nevertheless, for under a $95 annual price, this card affords plenty of worth to cardholders.

Associated: Is the Ink Enterprise Most well-liked definitely worth the annual price?

Incomes factors on the Ink Enterprise Most well-liked

In terms of incomes factors, the Ink Enterprise Most well-liked affords a wide range of bonus classes that may be fairly profitable to small-business homeowners. You may earn 3 factors per greenback spent on the primary $150,000 spent in mixed purchases annually within the following classes:

• Journey
• Delivery purchases
• Web, cable and telephone providers
• Promoting purchases made with social media websites and search engines like google and yahoo

This $150,000 threshold relies in your account anniversary 12 months, so it would reset annually 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 may get a unbelievable return of 6.15% on purchases in these classes.

And in case you max out these classes by spending the total $150,000, you may take residence 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 charge of all different purchases: 1 level per greenback spent. Although that is not too thrilling, you are still over a 2% return, which is not dangerous for a card with a $95 annual price.

Associated: Tips on how to meet minimal spending on the Ink Enterprise Most well-liked

Redeeming factors on the Ink Enterprise Most well-liked

Incomes an enormous haul of factors is one factor; redeeming them for optimum worth is a completely totally different story.

Like most playing cards that earn transferable factors, you get essentially 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 immediately by means of Chase Journey.

You may redeem these factors at a charge of as much as 1.75 cents apiece, relying on the particular redemption, for journey purchases like flights, resorts and rental vehicles that you simply e book by means of Chase Journey due to the brand new Factors Enhance redemption possibility.

Or, when you have the Chase Sapphire Reserve® (see charges and charges) or the Chase Sapphire Reserve for Enterprise℠ (see charges and charges) you could possibly switch your factors to that card and redeem them at a charge of as much as 2 cents apiece towards journey, relying on the particular redemption.

For those who’re an current cardholder whose account was opened earlier than June 23, any factors you earned previous to Oct. 26, 2025, might be redeemed by way of Chase Journey on the previous fastened charge of 1.25 cents per level or as much as 1.75 cents per level with Factors Enhance (whichever is larger) till Oct. 26, 2027.

Though you may get lower than TPG’s August 2025 2.05-cent valuation of Final Rewards factors with this redemption possibility, it is easy and would not require a lot effort.

Keep in mind that while you redeem Final Rewards factors immediately for airfare, you’ll nonetheless earn miles and elite credit score, simply as you’d on a daily paid ticket. Nevertheless, that is usually 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 may possible get essentially 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 publish 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 recently transferred 6,500 Final Rewards factors for a quick in a single day keep on the Hyatt Place Amsterdam airport, the place money charges have been working $200 plus.

No matter which companion you select, the facility 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 e book to switch factors.

Associated: How a lot are Chase Final Rewards factors price?

Which playing cards compete with the Ink Enterprise Most well-liked?

With a low annual price, worthwhile factors, profitable incomes charges and stable advantages, the Ink Enterprise Most well-liked is a superb possibility for a lot of small companies. Nevertheless, there are a number of different choices that might be a greater match on your firm:

• If you would like extra customizable incomes classes: The American Categorical® Enterprise Gold Card carries the next annual price of $375 (see charges and charges), however you may 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 12 months, 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 possibility. To study extra, learn our full assessment of the Amex Enterprise Gold.
• For those who do not wish to fear about bonus classes: The Capital One Spark Miles for Enterprise card affords not less than 2 miles per greenback spent on all purchases. This card has a $0 introductory annual price for the primary 12 months, then $95 annually after. You continue to have entry to switch companions by means of Capital One, although you may sacrifice further perks. To study extra, learn our full assessment of the Capital One Spark Miles card.
• For those who do not wish to pay an annual price: The Ink Enterprise Limitless® Credit score Card (see charges and charges) earns 1.5% again on each buy at no annual price, plus fundamental perks like buy safety and the choice so as to add worker playing cards at no further price. To study extra, learn our full assessment of the Ink Enterprise Limitless.

For extra choices, take a look at our information to the finest 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, transport, promoting and telecommunication suppliers), you may 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 buying protections, like major protection when renting a automotive 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.

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Apply right here: Ink Enterprise Most well-liked Credit score Card

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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.