Whereas Chase provides a sturdy portfolio of shopper bank cards, the issuer additionally has a collection of enterprise playing cards tailor-made to various kinds of corporations and bills.
Referred to 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 might be able to mix your rewards with different playing cards that earn Final Rewards factors — such because the Chase Sapphire Most well-liked® 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 presently 4 Ink Enterprise playing cards out there for these excited by making use of:
Let’s look at these 4 playing cards and see which works greatest for what you are promoting.
Chase Ink Enterprise Playing cards overview
| Ink Enterprise Premier | Ink Enterprise Money | Ink Enterprise Limitless | Ink Enterprise Most well-liked | |
|---|---|---|---|---|
| Annual price | $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 price: $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 pair of% money again on all different eligible purchases.
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Who ought to apply? The Ink Enterprise Premier is probably the most premium providing within the Chase enterprise card household, carrying a $195 annual price.
Sadly, the Ink Enterprise Premier doesn’t earn totally transferable Final Rewards factors like its counterpart, the Ink Enterprise Most well-liked (extra on that under). 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 price, 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 attraction to journey rewards fanatics however could be engaging to those that desire a easy but profitable card with no preset spending restrict. For extra info, learn our full evaluation 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 price: $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 among Chase’s entry-level enterprise bank cards with no annual price, the Ink Enterprise Money provides a stable return on purchases, although its bonus classes are most likely greatest suited for many who have bodily workplaces. This implies individuals who work at 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 staff.
Even if you happen to carry the Ink Enterprise Most well-liked, you may wish to think about this card as nicely, because of the truth that it has no annual price and earns 2% money again at fuel stations and eating places, which the Ink Enterprise Most well-liked doesn’t. Then, you may 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 (if you happen to switch to the Sapphire Most well-liked or Ink Enterprise Most well-liked) or 1.5 cents (if you happen to switch to the Sapphire Reserve) towards journey reservations made by way of Chase Journey.
For extra info, learn our full evaluation of the Ink Enterprise Money card.
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 price: $0.
Rewards: Earn 1.5% money again on all purchases. As with the Ink Enterprise Money card, you’ve got the flexibility to open up extra redemption values and extra redemption alternatives if you happen to carry one other Chase Final Rewards-earning card, such because the Chase Sapphire Most well-liked, Chase Sapphire Reserve, or Ink Enterprise Most well-liked.
Who ought to apply? This is a superb card for freelancers who desire a card that earns nicely on each greenback with out having to maintain observe of bonus classes. It is also a fantastic alternative for enterprise homeowners who want a card for his or her bills that do not fall below a bonus class with their different playing cards, because you get limitless 1.5% again on each buy. For freelancers or these with aspect 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, masking purchases that do not have further earnings on different playing cards.
For extra info, learn our full evaluation 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 well-liked Credit score Card
Welcome bonus: Earn 90,000 factors after spending $8,000 on purchases throughout the first three months from account opening.
Annual price: $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 search engines like google and yahoo, 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 may switch to airways and resorts) by itself relatively than money again. It’s also the one Ink card that earns bonus factors on journey purchases, particularly. The annual price is low sufficient that freelancers and aspect hustlers can simply offset the associated fee, however the increased spending cap on enterprise bonus classes means it is also a pleasant card for established enterprise homeowners with workplaces and staff.
For extra info, learn our full evaluation of the Ink Enterprise Most well-liked card.
Associated: Who’s eligible for the Chase Ink Enterprise Most well-liked card?
Apply right here: Ink Enterprise Most well-liked
Which Ink Enterprise card is best for you?
Every of those playing cards provides spectacular earnings in no less than 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 price.
- The Ink Enterprise Most well-liked Card provides extra rewards and advantages that may complement the Ink Enterprise Money and/or Ink Enterprise Limitless whereas solely charging a minimal annual price.
- The Ink Enterprise Premier is an efficient choice for companies that spend 1000’s yearly and wish to earn a profitable 2%-2.5% cash-back price on all eligible purchases.
The Ink Enterprise Most well-liked and the Ink Enterprise Premier set themselves aside with cellphone safety, which could be beneficial contemplating the present value of smartphones.
In the event you already carry an Ink Enterprise Money or Ink Enterprise Limitless, you may wish to think about including the Ink Enterprise Most well-liked to your lineup for 4 major causes:
- The capability to earn 3 factors per greenback 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 12 months.
- The cellphone safety profit might simply justify the $95 annual price.
- Rewards earned on Chase cash-back playing cards, such because the Ink Enterprise Money and Ink Enterprise Limitless, could 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 based mostly on TPG’s Could 2025 valuations.
Suppose what you are promoting would not spend a lot on the bonus classes of the Ink Enterprise Money or Ink Enterprise Most well-liked. In that case, it’s possible you’ll be higher off merely incomes 1.5% money again on all the pieces with the Ink Enterprise Limitless.
Associated: Learn how to full a Chase enterprise bank card software
Do I qualify for a enterprise bank card?
Carrying a small-business bank card is a superb option to maintain your private and enterprise bills separate. It’s possible you’ll 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 typically provide engaging welcome bonuses and excessive incomes potential throughout a number of classes, which makes them beneficial additions to your pockets, irrespective of the scale of what you are promoting.
Associated: Learn how to get a enterprise bank card
Can I’ve a couple of Ink Enterprise bank card from Chase?
The brief reply is “sure.” This feature could be interesting for companies which are totally invested within the Final Rewards ecosystem and wish to maximize purchases throughout a number of bonus classes.
This is the way you may method 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 well-liked: Use this card for journey prices, transport suppliers 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 outdoors the U.S. to keep away from overseas 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.
In the event you then mix your entire earnings from these playing cards below your Ink Enterprise Most well-liked, you may have a pleasant stability of totally transferable Final Rewards factors. Additionally think about:
- Ink Enterprise Premier: Use this card for all different purchases if you happen to’re OK with incomes money again or if you happen to want a card with no preset spending restrict when making massive purchases.
The appliance phrases 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 customary software restrictions will apply; if you wish to add a brand new Ink product to your pockets, think about these pointers to maximise your approval probabilities.
Backside line
As with Chase’s shopper playing cards, you may amplify your rewards technique dramatically by combining two (or extra) Ink enterprise playing cards that give you probably the most factors and advantages for what you are promoting spending. In the event you 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, keep in mind Chase’s 5/24 rule, which implies that you may be rejected mechanically for many Chase playing cards if you happen to’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.
In the event you aren’t instantly authorised and must name for reconsideration, it’s possible you’ll must reply questions on what you are promoting or present supporting paperwork earlier than your software 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 well-liked 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