What's the difference between Ink Business Unlimited and Ink Business Cash?

The Chase Ink credit limit is $3,000 for the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card, and $5,000 for the Ink Business Preferred® Credit Card, at a minimum.

Chase Ink credit limits above the minimum amount are available, based on the applicant’s overall credit standing. Factors that influence an applicant’s credit limit include the personal credit score, annual income, and outstanding debt, among other factors.… read full answer

Chase Ink Credit Limits by Card

• Ink Cash: $3,000, at a minimum.
• Chase Ink Business Unlimited: $3,000, at a minimum.
• Chase Ink Preferred: $5,000, at a minimum.

If you use the card responsibly, you may receive an automatic credit limit increase over time. You can also request a higher credit limit over the phone at (800) 346-5538.

Keep in mind that if you ask for a credit limit increase, Chase will perform a hard inquiry on your personal credit report, which will temporarily reduce your credit score by a few points.

Chase Ink Credit Limits for Employee Cards

It’s also worth noting that once you’re approved for a Chase Ink credit card, you can add additional employee cards to your account at no cost. You can set individual spending limits for each employee’s card, too, either through your online account or by calling customer service at (800) 945-2028.

The Chase Ink bonus categories for rewards include office supplies, travel, and purchases at gas stations and restaurants, depending on the Chase Ink card. All three Ink Business cards also give an initial bonus for spending a certain amount in the first few months.

Here are the Chase Ink bonus categories and more:… read full answer

The Ink Cash card offers 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 spent per year at gas stations and restaurants combined; and 1% back on all other purchases. Plus, you can earn $900 for spending $6,000 in the first 3 months.

The card’s annual fee is $0 and it requires at least good credit for approval.

With the Chase Ink Business Unlimited card you can earn 1.5% cash back on all purchases. Plus, this card offers $900 for spending $6,000 in the first 3 months.

The Chase Ink Business Unlimited comes with a $0 annual fee. Keep in mind that you need at least good credit to get approved for this card.

The Ink Business Preferred® Credit Card offers 3 points per $1 on the first $150,000 spent per year on travel and select business expenses, and 1 point per $1 on all other purchases. Plus, with this card you get 100,000 points for spending $15,000 in the first 3 months.

The card’s annual fee is $95 and it requires at least good credit for approval.

What to do in case your spending habits have changed:

• If your spending habits have changed since you first applied for a Chase Ink card, you may have the option to switch to another Chase Ink card that matches your current financial situation.
• For example, if you got the Chase Ink Preferred card but then decide you’d rather have the spending categories or no annual fee offered by one of the other cards, you can contact Chase customer service. They can switch you to the card of your choice. You also have the option to switch back if you choose.
• Not all Ink Business cardholders are eligible for a product change. Your card typically has to be open for at least 12 months.
• To find out if you are eligible, you can either call Chase customer service or send them a secure message through your online account.

Ultimately, keep in mind that you cannot make a product change from an Ink Business card to a non-Chase business card or from an Ink Business card to a Chase personal credit card.

The Ink Business Cash® Credit Card is not a metal credit card, as it is made of plastic like most other credit cards. There’s no functional difference between a plastic card like the Ink Cash Card and a metal credit card, though, so don’t dismiss the Ink Cash Card just because it isn’t metal. If you like the card’s terms and benefits, you should still consider applying.… read full answer

Metal credit cards are usually expensive luxury cards. Some popular examples of metal credit cards are the Marriott Bonvoy Brilliant® American Express® Card, Chase Sapphire Preferred® Card and Capital One Venture Rewards Credit Card.