Whereas Chase gives a sturdy portfolio of client bank cards, the issuer additionally has a collection of enterprise playing cards tailor-made to several types of corporations and bills.
Generally known 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 costs), Chase Sapphire Reserve® (see charges and costs), Chase Freedom Flex® (see charges and costs), or Chase Freedom Limitless® (see charges and costs), — to additional increase your incomes and redemption choices.
There are at present 4 Ink Enterprise playing cards obtainable for these taken with making use of:
Let’s study these 4 playing cards and see which works greatest for your corporation.
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 throughout 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 an extra $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 throughout the first three months from account opening. | Earn 90,000 factors after spending $8,000 on purchases throughout the first three months from account opening. |
| Incomes price |
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| Overseas transaction charges | None | 3% of every transaction | 3% of every transaction | None |
| Advantages |
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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 throughout the first three months of account opening.
Annual payment: $195.
Rewards: Earn 5% money again on journey bought by way of Chase Journey, 2.5% money again on purchases of $5,000 or larger and a couple of% money again on all different eligible purchases.
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Who ought to apply? The Ink Enterprise Premier is essentially 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 an alternative, Ink Enterprise Premier cardholders can redeem their factors for money again, reward playing cards, assertion credit and extra 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 payment, make investments again into their enterprise and are not as involved with incomes journey rewards.
The Ink Enterprise Premier is a distinct segment choice that possible will not enchantment to journey rewards fanatics however will be engaging to those that need a easy but profitable card with no preset spending restrict. For extra data, learn our full assessment 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 an extra $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 providers every account anniversary 12 months. Earn 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account anniversary 12 months. Earn 1% money again on all different purchases.
Who ought to apply? Regardless of being one in all Chase’s entry-level enterprise bank cards with no annual payment, the Ink Enterprise Money gives 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 earn a living from home and have to select up workplace provides or pay for their very own telephone providers or those that have a small workplace constructing with workers.
Even in case you carry the Ink Enterprise Most popular, you may wish to contemplate this card as nicely, because of the truth that it has no annual payment and earns 2% money again at fuel 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 resort companions, or redeem them at higher charges of 1.25 cents (in case you switch to the Sapphire Most popular or Ink Enterprise Most popular) or 1.5 cents (in case you switch to the Sapphire Reserve) towards journey reservations made by way of Chase Journey.
For extra data, learn our full assessment 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 throughout 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 the power to open up extra redemption values and extra redemption alternatives in case you 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 need a card that earns nicely on each greenback with out having to maintain observe of bonus classes. It is also an awesome alternative for enterprise homeowners who want a card for his or her bills that do not fall beneath 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, this can be a nice card to pair with different Chase playing cards, overlaying purchases that do not have further earnings on different playing cards.
For extra data, learn our full assessment 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 throughout 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 providers 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 motels) by itself slightly than money again. Additionally it is the one Ink card that earns bonus factors on journey purchases, particularly. The annual payment is low sufficient that freelancers and facet hustlers can simply offset the fee, however the larger spending cap on enterprise bonus classes means it is also a pleasant card for established enterprise homeowners with workplaces and workers.
For extra data, learn our full assessment 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 gives spectacular earnings in at the least one class:
- The no-annual-fee Ink Enterprise Money earns 5% money again at workplace provide shops and on telecommunications providers — 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 gives 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 choice 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 will be precious contemplating the present price of smartphones.
For those who 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 fundamental causes:
- The capacity 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 may simply justify the $95 annual payment.
- Rewards earned on Chase cash-back playing cards, such because the Ink Enterprise Money and Ink Enterprise Limitless, will 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 primarily based on TPG’s Might 2025 valuations.
Suppose your corporation does not spend a lot on the bonus classes of the Ink Enterprise Money or Ink Enterprise Most popular. In that case, you might be higher off merely incomes 1.5% money again on every part with the Ink Enterprise Limitless.
Associated: The way 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 solution to preserve your private and enterprise bills separate. You could be shocked 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 lots of different micro-businesses qualify you for a card.
The perfect enterprise bank cards usually provide engaging welcome bonuses and excessive incomes potential throughout a number of classes, which makes them precious additions to your pockets, irrespective of the dimensions of your corporation.
Associated: The way to get a enterprise bank card
Can I’ve a couple of Ink Enterprise bank card from Chase?
The brief reply is “sure.” This selection will be interesting for companies which might be totally invested within the Final Rewards ecosystem and wish to maximize purchases throughout a number of bonus classes.
Here is the way you may strategy 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 nicely 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 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) if you wish to earn rewards that may be become transferable factors.
For those who then mix your entire earnings from these playing cards beneath your Ink Enterprise Most popular, you will have a pleasant steadiness of totally transferable Final Rewards factors. Additionally contemplate:
- Ink Enterprise Premier: Use this card for all different purchases in case you’re OK with incomes money again or in case you want a card with no preset spending restrict when making massive purchases.
The appliance phrases can help you open every card, earn the welcome bonus on every, and even earn the bonus on every card for every of your separate companies. Nonetheless, the issuer’s normal utility restrictions will apply; if you wish to add a brand new Ink product to your pockets, contemplate these tips to maximise your approval possibilities.
Backside line
As with Chase’s client playing cards, you possibly can amplify your rewards technique dramatically by combining two (or extra) Ink enterprise playing cards that give you essentially the most factors and advantages for your corporation spending. For those who plan to use for a number of of those playing cards, making use of for no a couple of private and one enterprise card with Chase inside a 90-day window is beneficial.
When planning your technique, bear in mind Chase’s 5/24 rule, which signifies that you can be rejected robotically for many Chase playing cards in case you’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.
For those who aren’t instantly authorised and have to name for reconsideration, you might have to reply questions on your corporation or present supporting paperwork earlier than your utility is authorised. However that bit of additional effort could possibly be nicely value it to reap the rewards these playing cards provide.
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
