Ink Enterprise Money Credit score Card overview
Chase’s Ink Enterprise Money® Credit score Card (see charges and charges) is a superb selection for small companies trying to earn bonus rewards on workplace provides and choose utilities and at fuel stations and eating places — for no annual price. And you’ll greater than double the worth of your rewards in the event you switch them to a card that earns Chase Final Rewards factors. Card Score*: ⭐⭐⭐⭐
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Ink Enterprise Money is likely one of the greatest no-annual-fee enterprise playing cards available on the market.
It presents excessive incomes charges on on a regular basis bills like workplace provides, and cable, web and cellphone companies — plus sturdy returns at fuel stations and eating places. And in the event you additionally maintain a premium Chase card, you possibly can unlock even higher worth by transferring rewards to the Final Rewards ecosystem.
The really useful credit score rating to use for this card is 670 or above.
Let’s take a better have a look at the Ink Enterprise Money Credit score Card so you possibly can resolve if it is a good match for your online business.
Ink Enterprise Money execs and cons
| Execs | Cons |
|---|---|
|
|
Ink Enterprise Money welcome supply
The Ink Enterprise Money is presently providing a profitable, limited-time welcome bonus. New candidates can earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening.
This matches the best bonus supplied within the card’s historical past and is the primary time we have seen it since January 2024. So, now could be the perfect time to use.
And you’ll flip the cash-back bonus into Final Rewards factors in the event you switch your cash-back rewards to a card that earns Final Rewards factors, such because the Ink Enterprise Most well-liked® Credit score Card, Chase Sapphire Reserve® (see charges and charges), Chase Sapphire Most well-liked® Card (see charges and charges) or Chase Sapphire Reserve for Enterprise℠ (see charges and charges).
Reward your inbox with the TPG Day by day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
When you even have one in every of these playing cards, your cashback will grow to be 90,000 Final Rewards factors price $1,845, in line with TPG’s September 2025 valuations.
The knowledge for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
The Ink Enterprise Money is topic to Chase’s 5/24 rule, that means you will possible be denied in the event you’ve opened 5 or extra private bank cards throughout all banks previously 24 months.
Associated: Your information to the Chase Ink Enterprise bank cards
Ink Enterprise Money advantages
The Ink Enterprise Money is a no-annual-fee card that provides modest advantages and perks.
One of many card’s greatest perks for a lot of small-business homeowners is you could request playing cards for workers at no extra price. You may earn rewards for his or her spending, and you may even set particular person worker spending limits for higher management.
Whenever you buy eligible gadgets with the Ink Enterprise Money, these purchases will probably be lined by prolonged guarantee and buy protections. These protections can save your online business some severe money.
Prolonged guarantee safety extends the interval of a U.S. producer’s guarantee by an extra yr on eligible warranties of three years or much less. And buy safety covers your new purchases for 120 days in opposition to harm or theft at as much as $10,000 per declare and $50,000 per account.
Whenever you lease a automobile, you could be lined by the Ink Enterprise Money’s auto rental collision harm waiver while you decline the rental firm’s collision insurance coverage and cost the whole rental price to your card. Protection is main when renting for enterprise functions and gives reimbursement as much as the precise money worth of the automobile for theft and collision harm for many leases within the U.S. and overseas.
Whether or not you are at dwelling or overseas, you possibly can name the Profit Administrator for authorized and medical referrals in addition to different journey and emergency help. Brokers can present steerage and data when wanted, however you will be accountable for the price of any companies you acquire.
Lastly, the Ink Enterprise Money options zero legal responsibility safety, which implies you will not be held accountable for unauthorized prices made together with your card or account info. Chase will assist safeguard your account utilizing real-time fraud monitoring.
Associated: Causes to use for the Ink Enterprise Money
Incomes rewards on the Ink Enterprise Money
With the Chase Ink Enterprise Money, you will earn:
- 5% money again at workplace provide shops and on cable, web and cellphone companies (on as much as $25,000 in mixed purchases per account anniversary yr)
- 2% money again at fuel stations and eating places (on as much as $25,000 in mixed purchases per account anniversary yr)
- 1% money again on all different purchases
5% money again is spectacular for a no-annual-fee card, among the best cash-back bank card incomes charges available on the market, and it is even higher in case you have a card that earns Chase Final Rewards factors. Then you possibly can switch your money again to Final Rewards factors and successfully earn 5 Final Rewards factors per greenback spent at workplace provide shops and on cable, web and cellphone companies.
Since TPG’s September 2025 valuations peg Final Rewards factors at 2.05 cents every, that is an over 10% return on spending in these classes.
Associated: Enterprise bank cards vs. cost playing cards — which is best for you?
Redeeming rewards on the Ink Enterprise Money
Simply because the Chase Ink Enterprise Money is a cash-back card doesn’t suggest you do not have choices for redeeming your rewards. When you redeem for money, you possibly can obtain your cash as an account assertion credit score or by means of an digital deposit into an eligible U.S. checking or financial savings account.
Different choices, corresponding to present playing cards, journey, distinctive experiences, Amazon Store with Factors and Apple Final Rewards Retailer, present lower than face worth to your cash-back rewards. So, we usually do not advocate redeeming your rewards for these lower-value choices.
Associated: Learn how to maximize your Chase Final Rewards factors
Transferring rewards on the Ink Enterprise Money
In case you have a card such because the Ink Enterprise Most well-liked or a Sapphire card that earns Chase Final Rewards factors, you unlock an extra redemption choice: You may convert the cash-back rewards in your Ink Enterprise Money to Chase Final Rewards factors.
The opposite card that earns Chase Final Rewards factors have to be registered to you, the corporate’s proprietor or a family member to qualify. As soon as you progress factors to an Final Rewards-earning account, you possibly can switch them to airline and resort journey companions or e book journey instantly by means of Chase Journey℠ at a greater charge.
TPG contributing editor Matt Moffitt converts the money again he earns on his Ink Enterprise Money to Final Rewards factors as he holds the Chase Sapphire Reserve. Then he transfers these factors to World of Hyatt for high-value resort redemptions.
Associated: Learn how to e book journey (and save factors) with Chase Journey
Which playing cards compete with the Ink Enterprise Money?
The Ink Enterprise Money is a wonderful selection in case your main spending aligns effectively with the workplace provide and utilities bonus classes. However listed here are another choices:
For added choices, try our full listing of the perfect enterprise bank cards.
Associated: Learn how to get a enterprise bank card
Is the Ink Enterprise Money price it?
The Ink Enterprise Money is right if your online business spends below $25,000 annually in its prime bonus classes (workplace provide shops, cable, web and cellphone companies; or fuel stations and eating places). When you hit that cap, bonus earnings drop to 1%, so this card works greatest for companies with reasonable bills in these classes.
Backside line
The mixture of simplicity and the potential for redemptions makes the Ink Enterprise Money a good selection in the event you’re on the lookout for cash-back rewards or the power to transform money again to transferable journey rewards.
When you ceaselessly store at workplace provide shops or pay cable, web and cellphone companies with a bank card, including the Ink Enterprise Money to your pockets might elevate your earnings on these bills with out requiring you to pay an annual price.
Apply right here: Ink Enterprise Money
