Ink Enterprise Most well-liked Card overview
The Ink Enterprise Most well-liked® Credit score Card (see charges and costs) is a superb all-around enterprise bank card, providing a large welcome bonus and the power to earn useful Final Rewards factors on quite a lot of enterprise bills. These rewards can then be transferred to 14 airline and resort companions or redeemed instantly for journey at a fee of as much as 1.75 cents per level by way of Chase Journey℠ with Factors Enhance. Card score*: ⭐⭐⭐⭐½
*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Ink Enterprise Most well-liked is a TPG favourite.
Though there are lots of stable enterprise bank cards accessible, the Ink Enterprise Most well-liked has distinctive perks that make it enticing for enterprise house owners trying to maximize their incomes potential and unlock useful rewards by way of the Final Rewards program.
The cardboard has a $95 annual payment, making it very attainable for many. For the most effective probabilities of approval, you may need a credit score rating of a minimum of 670.
Let’s take a more in-depth have a look at the Ink Enterprise Most well-liked so you possibly can determine if it is a good match for your small business.
Ink Enterprise Most well-liked execs and cons
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Ink Enterprise Most well-liked welcome supply
If accredited for the Ink Enterprise Most well-liked, you may be eligible to earn a welcome bonus of 90,000 bonus factors after spending $8,000 within the first three months from account opening.
This is not fairly the very best welcome bonus we have seen on this card, nevertheless it meets our standards of when to use.
Primarily based on TPG’s August 2025 valuations, the bonus factors alone are price a whopping $1,845. That is primarily as a result of the factors might be transferred to numerous journey companions, together with British Airways, Southwest Airways and United Airways.
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To unlock the welcome supply, you may must spend a mean of $2,667 per 30 days within the first three months. For a lot of small companies, this stage of spending could also be a non-issue. Moreover, small companies with a number of workers can request limitless free worker playing cards to assist meet the spending requirement.
Nevertheless, freelancers or those that need a enterprise bank card to earn rewards on bills associated to a aspect gig could not have the ability to realistically hit the bonus. And you do not wish to violate TPG’s sixth commandment for bank cards: Thou shalt not miss out on a welcome bonus.
Associated: Who’s eligible for the Chase Ink Enterprise Most well-liked card?
Ink Enterprise Most well-liked advantages
The incomes charges and redemption choices alone make this an intriguing card, however you may get a number of added perks that make it much more useful. Here is a fast rundown:
- Cellphone safety: In the event you’re vulnerable to damaging your cellphone, the Ink Enterprise Most well-liked could possibly be an excellent card to have. While you cost your month-to-month cellphone invoice to the cardboard, you and eligible workers on the plan can obtain as much as $1,000 per declare for harm or theft of cellphones. You are restricted to a few claims in a 12-month interval and should pay a $100 deductible per declare. However, this can be a terrific profit that’s comparatively uncommon amongst bank cards.
- Buy safety: Apart from cellphone safety, you are coated for different purchases. If an eligible merchandise is broken or stolen throughout the first 120 days after buy, you are coated as much as $10,000 per declare ($50,000 per account). This could be a lifesaver if one thing goes mistaken with that new buy.
- Journey cancellation/interruption insurance coverage: In the event you should cancel or lower a visit brief due to a coated concern (akin to sickness or extreme climate), you are eligible for as much as $5,000 of protection per individual for pay as you go, nonrefundable journey bills, which gives nice peace of thoughts when surprising issues come up.
- Journey delay reimbursement: If a coated journey is delayed by a coated hazard for 12 or extra hours — or lengthy sufficient to require an in a single day keep — you may be eligible for reimbursement, as much as $500 per ticket in affordable bills. This could prevent in conditions like poor climate, the place the airline usually will not present any compensation. Notice that you simply solely must cost a part of your common-carrier fare to the cardboard to make use of this profit, so you may be coated on award tickets should you put the taxes and costs on the cardboard.
- Main automobile rental protection: Renting a automobile could be a dangerous (and costly) proposition, however should you use the Ink Enterprise Most well-liked card for the complete rental price and are touring for enterprise functions, you are coated for theft and harm within the U.S. and most international locations around the globe. Keep in mind that this does not supply any legal responsibility protection, however you might be coated as much as the precise money worth of the automobile you are renting.
- Prolonged guarantee safety: Purchases with a U.S. producer’s guarantee of three years or much less will get protection for an additional yr. This may be extraordinarily useful when an merchandise stops working shortly after its scheduled guarantee ends.
The Ink Enterprise Most well-liked additionally gives numerous enterprise instruments, together with account insights, bookkeeping integration and account alerts. Probably the most useful good thing about this card continues to be in all probability cellphone safety. Not many playing cards supply this perk, and contemplating the Ink Enterprise Most well-liked additionally gives 3 factors per greenback spent on cellphone companies, this can be a win-win.
The Ink Enterprise Most well-liked would not supply a lot in the best way of journey credit, lounge entry or different luxurious advantages that rivals have, akin to The Enterprise Platinum Card® from American Specific with its $695 annual payment (see charges and costs).
Nevertheless, for less than a $95 annual payment, this card gives a whole lot of worth to cardholders.
Associated: Is the Ink Enterprise Most well-liked well worth the annual payment?
Incomes factors on the Ink Enterprise Most well-liked
In terms of incomes factors, the Ink Enterprise Most well-liked gives quite a lot of bonus classes that may be fairly profitable to small-business house owners. You will earn 3 factors per greenback spent on the primary $150,000 spent in mixed purchases every year within the following classes:
- Journey
- Transport purchases
- Web, cable and cellphone companies
- Promoting purchases made with social media websites and search engines like google
This $150,000 threshold relies in your account anniversary yr, so it’s going to reset every year while you renew your card. Since TPG’s August 2025 valuations peg the worth of Chase Final Rewards factors at 2.05 cents apiece, you may get a improbable return of 6.15% on purchases in these classes.
And should you max out these classes by spending the total $150,000, you may take residence a complete of 450,000 Final Rewards factors, which our valuations peg at a whopping $9,225.
As soon as you have surpassed that mark, your purchases within the aforementioned classes will drop to match the incomes fee of all different purchases: 1 level per greenback spent. Although that is not too thrilling, you are still taking a look at over a 2% return, which is not dangerous for a card with a $95 annual payment.
Associated: How one can meet minimal spending on the Ink Enterprise Most well-liked
Redeeming factors on the Ink Enterprise Most well-liked
Incomes a giant haul of factors is one factor; redeeming them for optimum worth is a completely completely different story.
Like most playing cards that earn transferable factors, you get probably the most worth while you redeem your Ink Enterprise Most well-liked rewards for journey by transferring them to any of Chase’s 14 resort and airline companions or reserving journey instantly by way of Chase Journey.
You may redeem these factors at a fee of as much as 1.75 cents apiece, relying on the particular redemption, for journey purchases like flights, lodges and rental automobiles that you simply guide by way of Chase Journey due to the brand new Factors Enhance redemption choice.
Or, in case you have the Chase Sapphire Reserve® (see charges and costs) or the Chase Sapphire Reserve for Enterprise℠ (see charges and costs) you might switch your factors to that card and redeem them at a fee of as much as 2 cents apiece towards journey, relying on the particular redemption.
In the event you’re an present cardholder whose account was opened earlier than June 23, any factors you earned previous to Oct. 26, 2025, might be redeemed through Chase Journey on the previous mounted fee of 1.25 cents per level or as much as 1.75 cents per level with Factors Enhance (whichever is greater) till Oct. 26, 2027.
Regardless that you may get lower than TPG’s August 2025 2.05-cent valuation of Final Rewards factors with this redemption choice, it is easy and would not require a lot effort.
Do not forget that while you redeem Final Rewards factors instantly for airfare, you’ll nonetheless earn miles and elite credit score, simply as you’ll on an everyday paid ticket. Nevertheless, that is usually not the case with resort bookings.
Associated: What is the distinction between Chase’s The Edit properties and Factors Enhance?
Transferring factors on the Ink Enterprise Most well-liked
You even have the choice to switch your factors to any of Chase’s 14 resort and airline companions. You will possible get probably the most worth out of your factors by going this route, due to sturdy switch companions like Air France-KLM Flying Blue, United MileagePlus and World of Hyatt.
As well as, most of those transfers submit immediately, making certain you will not have to attend for the factors or miles to reach and miss out on the redemption you need.
TPG bank cards author Chris Nelson likes to maximise his Final Rewards factors by transferring them to Hyatt. He only in the near past transferred 6,500 Final Rewards factors for a quick in a single day keep on the Hyatt Place Amsterdam airport, the place money charges had been working $200 plus.
No matter which companion you select, the facility of the Final Rewards program (and actually any transferable level foreign money) is the flexibleness it permits. You are not locked right into a single airline or resort rewards program, and you may wait till you are able to guide to switch factors.
Associated: How a lot are Chase Final Rewards factors price?
Which playing cards compete with the Ink Enterprise Most well-liked?
With a low annual payment, useful factors, profitable incomes charges and stable advantages, the Ink Enterprise Most well-liked is a good choice for a lot of small companies. Nevertheless, there are a couple of different choices that could possibly be a greater match in your firm:
- If you’d like extra customizable incomes classes: The American Specific® Enterprise Gold Card carries a better annual payment of $375 (see charges and costs), however you may earn 4 factors per greenback spent in your highest two spending classes every billing cycle (on the primary $150,000 in mixed purchases every calendar yr, then 1 level per greenback spent thereafter). If you cannot maximize the Ink Enterprise Most well-liked’s classes or your spending varies from month to month, this can be a greater choice. To be taught extra, learn our full evaluation of the Amex Enterprise Gold.
- In the event you do not wish to fear about bonus classes: The Capital One Spark Miles for Enterprise card gives a minimum of 2 miles per greenback spent on all purchases. This card has a $0 introductory annual payment for the primary yr, then $95 every year after. You continue to have entry to switch companions by way of Capital One, although you may sacrifice further perks. To be taught extra, learn our full evaluation of the Capital One Spark Miles card.
- In the event you do not wish to pay an annual payment: The Ink Enterprise Limitless® Credit score Card (see charges and costs) earns 1.5% again on each buy at no annual payment, plus fundamental perks like buy safety and the choice so as to add worker playing cards at no further price. To be taught extra, learn our full evaluation of the Ink Enterprise Limitless.
For added choices, take a look at our information to the most effective enterprise bank cards.
Associated: Ink Enterprise Most well-liked vs. Capital One Spark Miles for Enterprise
Backside line
In the event you spend considerably throughout the 4 bonus classes (journey, delivery, promoting and telecommunication suppliers), you may earn tons of additional Final Rewards factors in your new Ink Enterprise Most well-liked. Plus, you and your workers will take pleasure in numerous journey and purchasing protections, like main protection when renting a automobile for enterprise functions and beneficiant cellphone safety.
In the event you’re simply beginning out, we extremely suggest beginning with this card, particularly should you can pair it with different playing cards, such because the Chase Sapphire Reserve and Chase Freedom Limitless® (see charges and costs), to maximise your rewards throughout much more purchases.
Apply right here: Ink Enterprise Most well-liked Credit score Card
For charges and costs of the Amex Enterprise Platinum, click on right here.
For charges and costs of the Amex Enterprise Gold, click on right here.
