Which Chase Business Ink Card Should I Get?

LEEN’S REFERRAL LINK: https://linktr.ee/leenontravel
LINK TO BLOG: https://leenontravel.weebly.com/learn...
If free travel is in your plans, you probably know that earning as many Chase Ultimate Rewards points should be at the top of your strategy! This is because when Chase’s Ultimate Rewards get transferred to Hyatt, you have scored some of the most luxurious hotel rooms for the cheapest amount of points. Thankfully, with Chase’s Business Ink credit cards, it’s super easy to continue earning more of those coveted points. Hey I’m Leen with Leen on Travel, and I wanted to quickly break down each of the 4 Ink credit cards, so that you can determine which one you should get next!
Ok, so the 4 Business Ink’s include the Cash, Unlimited, Preferred, and Premier. But, let me just put right up front here that you do Not Want the Ink Premier. This is because the Premier is strictly a cash-back card, so it does not earn you any points for traveling. Now, the other Inks can also be marketed as cash back, BUT if you have either a Chase Business Ink Preferred, or a Chase Sapphire Preferred or Reserve personal cards, your Inks actually earn points, not cash.
Ok so which of the 3 remaining Inks do you want? Honestly, you want all of them at some point! You’re actually allowed to get ALL of them for the same business.

Minimum Spend
But long story short, the Ink Preferred has an $8,000 spend over the next 3 months, while the Ink Cash and Unlimited have $6,000 spends over the next 3 months. The Ink Cash also regularly offers a 2-tier offer where you can split that $6,000 spend into 6 months, but that offer also just ended. So I timed getting the Ink Preferred with an extra large expense coming up, as I normally wouldn’t be able to hit the minimum spend.

The Signup Bonus
While there’s an amazing elevated offer on the Ink Cash and Unlimited right now, mid-September 2025, you typically also earn 15,000 more points from the Ink Preferred’s sign up bonus. The Ink Preferred’s signup bonus typically earns you 90,000 points while the Ink Cash and Unlimited earn you 75,000 points. BUT the Ink Cash and Unlimited also tend to get elevated offers like it is right now- at 90,000 points- like twice a year, whereas the Ink Preferred pretty much just always stays at 90,000 points.

So when it comes down to points earning vs the annual fee, the Ink Cash and Unlimited beat the Preferred. $95 for 0 to 15,000 more points? No thanks.

The Annual Fee
The annual fee is where the Ink Cash and Unlimited also outshine the Preferred, as they don’t have ANY annual fee. It’s $0! Whereas the Ink Preferred has a $95 annual fee. But again, with the $95 annual fee comes the ability to transfer those points out to Chase’s transfer partners. While you can use the Chase Travel Portal, you can’t transfer your points, like to Hyatt, without also holding a Chase Business Ink Preferred, or a Chase Sapphire Preferred or Reserve personal cards.

Points Multipliers
When it comes down to the Ink Cash or Unlimited, the points multipliers is usually where your decision gets pretty straightforward. And in my opinion, the Ink Cash wins. The Ink Unlimited earns straight-up 1.5 points per dollar spent EVERYWHERE. This is a winner for those who spend in a lot of categories that would typically earn just 1 point per dollar spent for other cards. But, in my opinion, the better card option, would be the Ink Cash. This is because the Ink Cash earns 5 points per dollar spent at office supply stores AND on internet, cable and phone services, and with Lyft, 2 points per dollar spent at gas stations and restaurants, and then 1 point per dollar spent on everything else. With the Ink Cash, you can buy gift cards at Staples and Office Depot to earn 5 points per dollar spent on that too! They offer fee-free Visa and Mastercard gift cards every month, so that you can use them for your everyday purchases at grocery stores or Amazon or wherever!!
The Ink Preferred earns 5 points per dollar spent with Lyft, 3 points per dollar spent on travel, shipping, internet, cable & phone, and advertising on social media sites and search engines like Google. And then everything remaining earns just 1 point per dollar spent.

Interest/ APR
What else is awesome about the Ink Cash and Unlimited? For those who need to carry debt, both also have 0% APR for 12 months. Whereas you’re looking at the typical 20-26% interest rate on the Ink Preferred.

So long story short- the Chase Business Ink Cash is the winner in my book!