Chase Ink Business Credit Card

Discover why the Chase Ink Business Credit Card is a top choice for U.S. small business owners, offering strong cash back rewards, flexible benefits, and business-focused financial tools.

 Running a business in the United States means juggling expenses, cash flow, and growth opportunities—and the Chase Ink Business Credit Card is built exactly for that reality. Designed with U.S. entrepreneurs, freelancers, and small business owners in mind, this card helps turn everyday business spending into real value through cash back, protections, and smart financial tools.

Whether you’re just starting out or scaling an established operation, the Chase Ink Business lineup stands out for its generous rewards structure, trusted Chase customer service, and features that simplify expense management. It’s more than just a credit card—it’s a practical financial partner for business owners who want control, flexibility, and long-term value.

Benefits of the Chase Ink Business Credit Card

Generous cash back rewards on business spending
One of the most exciting benefits of the Chase Ink Business Credit Card is its strong cash back rewards program tailored to how U.S. businesses actually spend money. Cardholders can earn elevated cash back on categories like office supplies, internet, cable, phone services, advertising, and shipping. These are real, recurring expenses for most businesses, which means your regular spending consistently turns into meaningful cash back that can be reinvested into your business.

No annual fee on select Chase Ink cards
Many Chase Ink Business cards come with no annual fee, which is a huge advantage for cost-conscious small business owners. This means you can enjoy valuable rewards, protections, and tools without worrying about whether the card is “worth” its yearly cost. For startups and lean operations, avoiding annual fees helps keep overhead low while still accessing premium card benefits.

0% intro APR on purchases and balance transfers
Several Chase Ink Business cards offer a 0% introductory APR on purchases and balance transfers for an extended period. This feature is especially powerful for U.S. businesses managing cash flow, funding new projects, or consolidating higher-interest debt. It allows you to spread out payments without interest, freeing up cash for growth while staying financially flexible.

Strong purchase protection for business expenses
The Chase Ink Business Credit Card includes purchase protection that helps safeguard eligible items against damage or theft for a set period after purchase. For business owners frequently buying electronics, equipment, or supplies, this adds peace of mind and reduces the financial risk of unexpected losses—something many small businesses in the U.S. deeply value.

Free employee cards with spending controls
Chase allows you to issue free employee cards at no additional cost, making it easier to manage team expenses. You can monitor spending, set limits, and track purchases by employee, all from one account. This is a major benefit for growing U.S. businesses that want flexibility without losing financial oversight.

Detailed expense tracking and reporting tools
Expense tracking is critical for taxes and budgeting, and Chase Ink Business excels here. Cardholders gain access to detailed spending reports that categorize purchases automatically. These tools integrate smoothly with accounting software, helping U.S. business owners save time, reduce errors, and stay organized year-round—especially during tax season.

Chase Ultimate Rewards® flexibility
Depending on the Chase Ink card you choose, your rewards may be part of the Chase Ultimate Rewards® ecosystem. This means cash back can also be redeemed for travel, gift cards, or even transferred to travel partners when paired with other Chase cards. This flexibility is ideal for business owners who want options beyond simple statement credits.

Strong fraud protection and account security
Chase is known in the U.S. for robust fraud detection and zero-liability protection. The Ink Business Credit Card monitors suspicious activity, sends real-time alerts, and protects you from unauthorized charges. For business owners handling frequent transactions, this level of security is essential and reassuring.

Build and separate business credit
Using a Chase Ink Business Credit Card responsibly can help build your business credit profile while keeping personal and business expenses separate. This separation is crucial for U.S. entrepreneurs who want cleaner bookkeeping, easier tax reporting, and better access to future business financing.

Widely accepted nationwide and online
As a Visa card, Chase Ink Business is widely accepted across the United States and online. Whether you’re paying vendors, booking travel, or purchasing supplies, you won’t have to worry about acceptance issues. This reliability makes it a dependable everyday card for business operations.

Trusted Chase customer service and digital tools
Chase offers strong U.S.-based customer service, along with a polished mobile app and online banking platform. Managing payments, tracking rewards, freezing cards, or chatting with support is simple and fast. For busy business owners, this reliability and ease of use adds real everyday value.

Who can apply

• Must be at least 18 years old
  
• Must be a U.S. resident with a valid Social Security Number (SSN)
  
• Must own or operate a business (including sole proprietors and freelancers)
  
• Must have good to excellent personal credit history
  
• Must provide basic business information (EIN or SSN for sole proprietors)
  
• Must meet Chase’s income and creditworthiness requirements
  

How to apply for the Chase Ink Business?

1. Review the different Chase Ink Business card options to choose the best fit.
   
2. Gather your personal and business information, including SSN or EIN.
   
3. Estimate your business revenue and monthly expenses.
   
4. Visit the official Chase website or a U.S. Chase branch.
   
5. Complete the online application with accurate details.
   
6. Submit the application and wait for instant or follow-up approval.
   
7. Upon approval, activate your card and start earning rewards.