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A Guide to Chase Ink Business Preferred® and Chase Ink Business Unlimited®

minute read

    Key takeaways

    • Business credit cards allow business owners to earn points on common purchases.
    • The Chase Ink Business Preferred card has an annual fee but offers more ways to earn points.
    • The Chase Ink Business Unlimited card has a low annual fee and cash back on most purchases made for your business.

    If you’re a business owner searching for a new credit card, consider the Chase Ink Business Preferred and Chase Ink Business Unlimited cards. Both cards allow you to earn points on common expenses, but depending on your needs, you may find that one card suits your business better.

    Read on to compare the Ink Business Preferred vs. Ink Business Unlimited credit cards in categories like welcome offers, points and benefits.

    Why should you consider Ink Business Preferred?

    The Ink Business Preferred credit card provides many ways to earn and spend points. If you travel a lot for business, you can transfer points to any of Chase’s airline and hotel partners at a 1:1 ratio. Points don’t expire as long as your account is open.

    Highlights include:

    • Earn 3X points on the first $150,000 spent in combined shipping and other select business category purchases each account anniversary year.
    • Earn unlimited 1X points on all other eligible purchases.
    • 25% more in travel redemption (points are worth 25% more when you redeem for travel through Chase Travel℠).
    • Employee cards at no additional cost.

    Travel benefits of the card include Auto Rental Coverage when renting a car for business purposes, Purchase Protection, Trip Cancellation and Interruption Insurance, Travel Accident Insurance and more.

    Why should you consider Ink Business Unlimited?

    The Ink Business Unlimited credit card has a low annual fee and can be useful for consistent cash back on many business purchases. It also offers a convenient way to earn rewards with a flat 1.5% cash back rate regardless of the type of purchase category. Every dollar you spend earns the same amount of points, making the Ink Business Unlimited card a straightforward business credit card option.

    Highlights include:

    • Unlimited 1.5% cash back rewards on every purchase.
    • Low introductory APR offer for 12 months.
    • Employee cards at no additional cost.

    Travel benefits of the card include Auto Rental Coverage when renting a car for business purposes, Purchase Protection, Travel Accident Insurance, Lost Luggage Reimbursement* and more.

    The difference between Ink Business Preferred and Ink Business Unlimited

    Welcome bonus offers

    Ink Business Preferred:

    • Earn 100,000 bonus points after you spend $8,000 on purchases in the first three months after account opening (equals $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Travel).

    Ink Business Unlimited:

    • Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months after account opening.
    • Low intro APR on purchases for the first 12 months from account opening.

    Earning and redeeming Ink rewards

    Ink Business Preferred:

    • 3X points on business purchases like shipping, advertising and travel (on up to $150,000 each anniversary year).
    • 1X points on all other purchases (no limits on points earned).
    • Redeem rewards for travel, cash back, gift cards, experiences and more via Chase Ultimate Rewards®.
    • 5X points on Lyft rides through March 2025.

    Ink Business Unlimited:

    • Unlimited 1.5% cash back rewards on every purchase.
    • Redeem rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards.
    • Earn 5% back on Lyft rides through March 2025.

    Ink card benefits

    Ink Business Preferred:

    Ink Business Unlimited:

    • Employee credit cards at no additional cost.
    • Travel and purchase coverage.
    • Fraud protection.

    In summary

    Business owners can earn points on purchases and other benefits with Ink credit cards. The Ink Business Preferred card may be useful for cardmembers who want more opportunities to earn points, while the Ink Business Unlimited card may be useful for more consistent cash back.

    To research and compare all Chase Ink business card options, visit the Chase Marketplace.

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