Chase Ink Business Cards 2026
Compare all Chase Ink business credit cards. 3 cards worth $2,750+ in combined bonuses.
Why Chase Ink Cards?
Chase Ink Bonus Categories
Each Ink card has different bonus categories. Here's what earns bonus points on each card:
Ink Business Preferred
Ink Business Unlimited
Simple flat-rate earning on everything. Best for spending outside bonus categories.
Ink Business Cash
Ink Card Comparison
Ink Business Preferred
Ink Business Unlimited
Optimal Pairing Strategy
The Chase Ink cards are most valuable when paired with a Chase Sapphire card (Preferred or Reserve). Here's why:
- 1.All Ink cards earn Chase Ultimate Rewards (UR) points
- 2.UR points from Ink cards can be combined with a Sapphire card
- 3.With a Sapphire, you can transfer UR to airline/hotel partners (United, Hyatt, etc.)
- 4.Sapphire Reserve gives 1.5x value in the Chase travel portal
Ink Business Preferred → Ink Business Unlimited → Ink Business Cash. Space applications 3+ months apart. Apply for a Sapphire Preferred first if you don't already have one.
Who Can Apply for Business Cards?
You don't need an LLC or formal business entity. Chase accepts applications from sole proprietors, including:
- - Freelancers and consultants
- - Side gig workers (Uber, eBay, Etsy, tutoring)
- - Resellers and online sellers
- - Anyone who earns income outside a W-2 job
Apply as a sole proprietorship using your legal name and Social Security Number. Your business revenue and years in operation can be modest.
Frequently Asked Questions
What are the Ink Business Preferred bonus categories?
The Ink Business Preferred earns 3x Ultimate Rewards points on travel, shipping, internet/cable/phone services, and advertising purchases on social media and search engines. These categories have an annual cap of $150,000 in combined spending.
What is the Chase Ink Business Preferred 100K bonus?
The Ink Business Preferred offers 100,000 Ultimate Rewards points after spending $8,000 in the first 3 months. This bonus is worth approximately $1,250 when redeemed for travel through Chase, or potentially more when transferred to airline/hotel partners.
Which Chase Ink card should I get first?
The Chase Ink Business Preferred is generally the best first choice because it offers the highest bonus (100,000 Ultimate Rewards points worth $1,250+) and the points are transferable to airline/hotel partners. Get the Ink Unlimited or Ink Cash second for everyday spending.
Do Chase Ink cards count toward 5/24?
Chase Ink business cards do NOT count toward 5/24 (they don't add to your personal card count). However, you must be UNDER 5/24 to be approved for them. This makes them ideal to apply for while you still have 5/24 slots available.
Can I get all three Chase Ink cards?
Yes, you can hold all three Ink cards simultaneously. Many churners apply for them one at a time, spacing applications 3+ months apart. You can earn the bonus on each card independently.
How do Ink points work with Ultimate Rewards?
All Ink cards earn Chase Ultimate Rewards (UR) points. These points can be combined with a Chase Sapphire card for transfer partner access. Without a Sapphire, Ink Unlimited and Ink Cash points are worth 1 cent each; with a Sapphire Preferred they're worth 1.25 cents, and with a Sapphire Reserve they're worth 1.5 cents when used on Chase travel.