Chase Ink Business Cards 2026

Compare all Chase Ink business credit cards. 3 cards worth $2,500+ in combined bonuses.

Why Chase Ink Cards?

Huge Bonuses
Up to 100k UR points ($1,250+ value)
5/24 Friendly
Don't count toward your 5/24 total
Stackable
Get all 3 cards for maximum rewards

Chase Ink Bonus Categories

Each Ink card has different bonus categories. Here's what earns bonus points on each card:

Ink Business Preferred

Travel3x points
Shipping3x points
Internet/Cable/Phone3x points
Advertising (social/search)3x points
Everything else1x

Ink Business Unlimited

All purchases1.5x points

Simple flat-rate earning on everything. Best for spending outside bonus categories.

Ink Business Cash

Office supplies5x points
Internet/Cable/Phone5x points
Gas stations2x points
Everything else1x

Ink Card Comparison

Chase

Ink Business Preferred

100,000 points
~$1,000 value
Offer confirmed 2026-09-16
Spend Required$8,000 in 3 months
Annual Fee$95
Base Rewards1x on other purchases
3x combined travel, shipping, eligible social-media/search advertising, internet, cable and phone purchases, up to $150,000 per account anniversary year
Monthly spend needed$2,667
Estimated first-year value$905
Value assumptions and offer source

1¢ per point: Cash back (statement credit) (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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Chase

Ink Business Unlimited

$750
~$750 value
Offer confirmed 2026-09-20
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1.5% on eligible business purchases
1.5% on eligible business purchases without a category cap
Monthly spend needed$2,000
Estimated first-year value$750
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-20.

Offer source

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Chase

Ink Business Cash

$750
~$750 value
Offer confirmed 2026-09-20
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1% on other purchases
5% combined office-supply, internet, cable and phone purchases, up to $25,000 per account anniversary year2% combined gas-station and restaurant purchases, up to $25,000 per account anniversary year
Monthly spend needed$2,000
Estimated first-year value$750
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-20.

Offer source

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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
Recommended Order

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.