Maria Adams, Credit Cards Moderator
The best Chase Ink benefits are a bonus of up to 100,000 points for spending $15,000 in the first 3 months, up to 5% cash back on purchases, and free employee cards. Other top Chase Ink benefits include referral bonuses, purchase protection, extended warranties on purchases, and travel insurance coverage.
There are four Chase Ink business cards, three of which are available to new applicants:
The fourth Chase Ink business card, the Ink Plus® Business Credit Card, isn’t offered anymore. But all benefits still apply to current cardholders. Some Chase Ink benefits are available on all cards, while others are limited to one, like Chase Ink Preferred’s $0 foreign transaction fee.
Here are the best Chase Ink Card benefits:
- Bonus Rewards:
Chase Ink Preferred offers 100,000 points for spending $15,000 in the first 3 months.
The Ink Business Premier card gives 100,000 points for spending $15,000 in the first 3 months.
The Ink Cash and Chase Ink Business Unlimited cards offer $750 cash back for spending $6,000 in the first 3 months. Ink Business cards also give up to 5% back on some purchases, depending on the card.
- Purchase Protection:
Covers eligible purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account. Applies to all cards.
- Extended Warranty:
Matches an item’s original warranty up to one extra year on all eligible warranties of three years or less. Covers up to a maximum $10,000 per claim and $50,000 per account. Applies to all cards.
- Car Rental Collision Damage Waiver:
Coverage up to the cash value of the vehicle for theft and collision damage. Must decline the rental agency’s collision insurance and charge the entire rental to the Ink Business card. Applies to all cards.
- Trip Cancellation/Interruption Insurance:
Provides coverage if a trip is cancelled or cut short by sickness or severe weather. Reimbursement is up to $5,000 per person and $10,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares and hotels. Available on the Chase Ink Preferred and the Ink Business Premier cards.
- Cell Phone Insurance:
Covers theft of or damage to the cardholder’s (and authorized employees’) phones up to $1,000 if they pay their cell phone bill with their card. There is a maximum of 3 claims in a 12-month period with a $100 deductible each time. Available on the Chase Ink Preferred and the Ink Business Premier cards.
- Bonus Points for Referrals:
The Ink Business cards offer 20,000 bonus points for business owners approved for the card using your referral link. There’s a limit of five referrals and 100,000 bonus points every calendar year.
- Best Card for Chase Ink Benefits:
Chase Ink Preferred and Ink Business Premier.
The Chase Ink Preferred and Ink Business Premier cards provide the best initial bonus and a wider array of benefits compared to the other Chase Ink cards. Also, people who travel abroad will save money on international purchases since the cards have a $0 foreign transaction fee. Plus, like all Chase Ink cards, these cards offer up to 70 free employee cards.
But, as is the case with any business or travel card, make sure all the rewards outweigh the cost of any fees or interest charges before applying.
April Lucas, Member
100,000 bonus points at sign-up, which translates to $1,250 toward travel, when you redeem through Chase Ultimate Rewards. You also earn 3 points per dollar for select business categories.
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