Comparing Chase's four Ink Business cards: Which fits your small business?
Chase offers four business credit cards under the Ink family, each with distinct earning structures and annual fees. They provide common perks like baggage delay insurance, primary car rental coverage, and purchase protection. Even side hustles such as Etsy selling or freelance writing can qualify applicants.
The Ink Business family spans four distinct cards, with three earning cash back and one earning Ultimate Rewards points. Applicants don't need a traditional company—side ventures like Etsy shops or freelance writing qualify. All four share protections including baggage delay coverage, primary rental car insurance for business use, purchase protection, and extended warranty.
Rewards from three of the cards can be pooled with Chase Sapphire products to unlock transfer partners, though the Ink Business Premier stands apart with no combining option. The separate Sapphire Reserve for Business, carrying a $795 annual fee, offers premium travel benefits outside the Ink lineup.
This guide could help small business owners and gig workers make more informed credit card choices, potentially affecting how they manage business expenses and earn rewards. The emphasis on side hustles qualifying may broaden access to business credit products. Readers who understand card differences could optimize spending, though the variety of fees and structures may also create confusion for less experienced applicants.