Ink Business Cash® Credit Card

Quick details at a glance:

Credit Recommended: - Good/Excellent

Intro (Purchases) - 0% Intro APR on Purchases 12 months

Intro (Transfers) - N/A

Regular APR - 18.49% - 24.49% Variable

Annual Fee - $0

Credit Recommended - Good/Excellent

Product Type - Business Card

The Ink Business Cash Credit Card is perfect for businesses that spend a lot in specific categories. Cardholders earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Additionally, 2% cash back is earned on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, with 1% cash back on all other purchases. With no annual fee, this card offers significant value for businesses that can maximize rewards in its bonus categories.

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Ink Business Preferred® Credit Card

Quick details at a glance:

Credit Recommended (660-850): - Good/Excellent

Intro Rewards Bonus - Earn 100,000 bonus points

Annual Fee - $95

Regular APR - 21.24%-26.24% Variable

Card Rewards Offer - Earn 3 points per $1 in select business categories

Product Type - Business Card

Credit Recommended - Good/Excellent

The Ink Business Preferred Credit Card is a prime choice for businesses looking to maximize their travel rewards. Cardholders earn 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. All other purchases earn an unlimited 1 point per dollar spent. Points are worth 25% more when you redeem them for travel through Chase Ultimate Rewards, making this card especially valuable for companies with high travel expenses.

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Ink Business Unlimited® Credit Card

Quick details at a glance:

Credit Recommended: - Good/Excellent

Intro (Purchases) - 0% Intro APR on Purchases 12 months

Card Rewards Offer - Earn unlimited 1.5% cash back on every purchase

Regular APR - 18.49% - 24.49% Variable

Annual Fee - $0

Credit Recommended - Good/Excellent

Product Type - Business Card

The Ink Business Unlimited Credit Card offers a straightforward rewards structure, making it an excellent choice for businesses looking for simplicity. It provides an unlimited 1.5% cash back on every purchase made for the business. With no annual fee and no categories to track, it's an attractive option for business owners who prefer an easy-to-understand rewards program that rewards them on every purchase.

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

United℠ Business Card

Quick details at a glance:

Credit Recommended: - Good/Excellent

Intro Rewards Bonus - Earn 75,000 bonus miles

Regular APR - 21.99% - 28.99% Variable

Foreign Trans Fee - $0

Annual Fee - $99

Product Type - Business Card

Credit Recommended - Good/Excellent

• Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $99.
• Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
• Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
• Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
• $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
• Member FDIC

Southwest® Rapid Rewards® Performance Business Credit Card

Quick details at a glance:

Credit Recommended: - Good/Excellent

Intro Rewards Bonus - Earn 80,000 points

Regular APR - 21.49% - 28.49% Variable

Annual Fee - $199

Credit Recommended - Good/Excellent

Product Type - Business Card

Card Rewards Offer - Earn 4X points on Southwest® purchases. Earn 3X points on Rapid Rewards® hotel and car rental partners. Earn 2X points on rideshare. Earn 2X points on internet, cable, and phone services.

• Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
• 9,000 bonus points after your Cardmember anniversary.
• Earn 4X pts on Southwest® purchases.
• Earn 3X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on rideshare.
• Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
• 4 Upgraded Boardings per year when available.
• Member FDIC

Southwest® Rapid Rewards® Premier Business Credit Card

Quick details at a glance:

Credit Recommended: - Good/Excellent

Intro Rewards Bonus - Earn 60,000 points.

Regular APR - 21.49% - 28.49% Variable

Annual Fee - $99

Credit Recommended - Good/Excellent

Product Type - Business Card

Card Rewards Offer - Earn 3X pts on Southwest® purchases. Earn 2X pts on Rapid Rewards® hotel and car rental partners. Earn 2X pts on local transit and commuting, including rideshare. Earn 1X pts on all other purchases.

• Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
• 6,000 bonus points after your Cardmember anniversary.
• Earn 3X points on Southwest Airlines® purchases.
• Earn 2X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on rideshare.
• 1 point per $1 spent on all other purchases.
• 2 EarlyBird Check-In® each year.
• Member FDIC

World of Hyatt Business Credit Card

Quick details at a glance:

Credit Recommended: - Good/Excellent

Intro Rewards Bonus - 60,000 Bonus Points

Regular APR - 21.49% - 28.49% variable

Annual Fee - $199

Foreign Trans Fee - $0

Product Type - Business Card

Regular Transfer APR - 21.49% - 28.49% variable

• 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
• 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
• 2 Bonus Points per $1 spent on fitness club and gym memberships
• 1 Bonus Point per $1 spent on all other purchases.
• Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
• World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
• Member FDIC

Ink Business Premier® Credit Card

Quick details at a glance:

Credit Recommended: - Good/Excellent

Regular APR - Flex for Business variable APR: 19.49% - 27.49%

Annual Fee - $195

Credit Recommended - Good/Excellent

Intro Rewards Bonus - Earn $1,000 bonus cash back

Intro Rate - See website for Details*

Intro Period - See website for Details*

The Ink Business Premier Credit Card is designed for businesses that spend heavily and prefer cash back. This card offers an unlimited 2% cash back on all purchases, with no caps or categories to worry about. It's geared towards businesses looking for a premium card with significant cash back rewards on their extensive spending. The card does come with an annual fee, but for businesses that can leverage the 2% cash back rate, the rewards can quickly offset the cost.

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
• The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
• Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
• There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
• Member FDIC

Navigating the World of Business Credit Cards: Applications, Benefits, and Maximizing Usage

In today's competitive business landscape, every edge counts. Business credit cards can be a powerful tool for entrepreneurs and companies of all sizes, offering rewards, building credit history, and streamlining financial management.

This article guides you through navigating the world of business credit cards, including:

• Applying for Cards: Understanding the process and key considerations.
• Unlocking Benefits: Exploring the advantages business cards offer.
• Maximizing Usage: Strategies to get the most out of your business card.

Applying for Business Credit Cards:

• Gather Documents: Be prepared with basic business information, financial statements, tax returns, and personal credit history (for sole proprietors).
• Understand Your Credit Profile: Your personal and business credit scores can impact eligibility and interest rates.
• Shop Around and Compare: Explore various card options, considering interest rates, reward programs, annual fees, and spending categories that align with your business needs.
• Be Prepared to Answer Questions: Be ready to explain business operations, financials, and spending projections during the application process.

Benefits of Business Credit Cards:

• Rewards and Cash Back: Earn points or cash back on your business spending, which can be redeemed for travel, equipment, or statement credits.
• Building Business Credit: Responsible card usage helps build a strong business credit history, aiding future loan applications and vendor relationships.
• Expense Management: Track and categorize business spending conveniently with the card's online tools and statements.
• Improved Cash Flow: Benefit from extended payment terms, allowing you to manage cash flow and pay later without incurring interest charges within the grace period.
• Business Insurance and Protection: Some cards offer purchase protection, travel insurance, and extended warranties on your business purchases.

Maximizing Your Business Card Usage:

• Align Spending with Rewards: Focus on spending in categories that offer the highest rewards or cash back.
• Pay Your Balance On Time: Avoid late payment fees and interest charges by paying your statement balance in full by the due date.
• Utilize Online Tools: Leverage online account management tools to monitor spending, track rewards, and set budget alerts.
• Consider Employee Cards: Issue employee cards with specified spending limits to delegate purchases and simplify expense management.
• Negotiate Card Benefits: Review your card agreement annually and consider negotiating benefits like lower fees or higher reward rates based on your spending volume.