Chase publishes four Ink business cards. Ink Business Unlimited and Ink Business Cash list a $0 annual fee. Ink Business Preferred lists $95. Ink Business Premier lists $195. The earn rates below are the ones on those card pages in October 2026.
Unlimited and Cash earn Ultimate Rewards points that the pages also describe as cash back. Preferred earns Ultimate Rewards points and lists transfer partners. Premier earns cash back and does not list transfer partners.
What does each Ink card publish?
| Card | Annual Fee | Earn Highlights | UR Transfer Access | Card Type |
|---|---|---|---|---|
| Ink Business Unlimited | $0 | 1.5% on everything | Via pairing only | Revolving |
| Ink Business Cash | $0 | 5% office/telecom and 2% dining/gas, each on first $25k per account anniversary year; 1% other | Via pairing only | Revolving |
| Ink Business Preferred | $95 | 3x travel, shipping, ads, and telecom on first $150k per account anniversary year; 1x other | Full access | Revolving |
| Ink Business Premier | $195 | 2.5% on $5k+ purchases, 5% on Chase Travel, 2% other | No transfer partners | Pay in full, with Flex |
| Term | Unlimited | Cash | Preferred | Premier |
|---|---|---|---|---|
| Annual fee | $0 | $0 | $95 | $195 |
| Base earn | 1.5% | 1% | 1 point per dollar | 2% |
| Higher earn | None on the page | 5% and 2%, each capped | 3 points on listed categories | 5% on Chase Travel, 2.5% on purchases of $5,000 or more |
| Cap | None stated | $25,000 per bonus, per anniversary year | $150,000 of 3-point spend per anniversary year | None stated on the 2% or 2.5% rates |
| Points transfer | Through a points-transfer card | Through a points-transfer card | Listed on the Preferred page | Not listed |
| Balance type | Revolving | Revolving | Revolving | Pay in Full, plus Flex for Business |
The table is the published schedule. It is not a ranking of the four cards.
How each card is structured
Unlimited is a flat-rate card. The page states 1.5% cash back on every purchase, with no annual fee. The pricing schedule for the card lists a 3% foreign transaction fee.
Cash is a category card on the same $0 annual fee. The page states 5% on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. It states 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Other purchases earn 1%. The Ink Business Premier is distinct: its 2.5% earnings on purchases of $5,000 or more, 5% on Chase Travel, and 2% on other purchases accumulate as cash-back rewards redeemable for cash back, gift cards, or travel through Chase Ultimate Rewards. The Premier card page does not list transfer partners.
Preferred is the points card with a $95 fee. The page states 3 points per dollar on travel, shipping, internet, cable, and phone services, and on social media and search-engine advertising. That 3-point rate applies to the first $150,000 of combined purchases in those categories each account anniversary year. Other purchases earn 1 point.
Premier is the cash-back card with a $195 fee. The page states unlimited 5% on Chase Travel, 2.5% on purchases of $5,000 or more, and 2% on other purchases. Repayment is Pay in Full plus Flex for Business. The Premier page does not list airline or hotel transfer partners.
Unlimited and Cash can sit in an Ultimate Rewards balance that a Preferred or Sapphire card transfers. Premier’s page describes cash back, not that transfer list.
- Ink Cash: 5% on office supply stores and internet, cable, and phone services (first $25,000 combined each account anniversary year); 2% at restaurants and gas stations (first $25,000 combined each account anniversary year)
- Ink Unlimited: 1.5% on everything else
Fees and pricing mechanics
Two of the four annual fees are $0. Preferred is $95. Premier is $195. Employee cards on these products are issued without an extra annual fee on the pages that state an employee-card fee.
Unlimited’s pricing schedule lists a 3% foreign transaction fee. A foreign purchase on that card costs 3% and earns 1.5%. The net of those two published numbers is a cost, before any later point transfer. At $95, the Preferred unlocks full Ultimate Rewards transfer to over 14 partners including United, Hyatt, Southwest, British Airways, and Air France-KLM Flying Blue. The 3x earn on travel, shipping, social media and search-engine advertising, and internet, cable, and phone services applies to the first $150,000 in combined purchases each account anniversary year.
Cash’s 5% and 2% rates stop at $25,000 each, measured on the account anniversary year, not on the calendar year. Spend above each cap earns the 1% base on that card. The two caps are separate. Office-supply spend does not consume the gas-and-restaurant cap.
Preferred’s 3-point categories share one $150,000 anniversary-year cap. Premier’s 2% and 2.5% rates are not given a dollar cap on the card page. Premier’s 5% rate is limited to Chase Travel purchases.
Interest on a revolving Ink balance follows the APR on the pricing schedule. Premier’s Pay in Full balance is due in full. Flex for Business is a separate repayment option on that page.
The fee that differs across the four cards is the annual fee. The earn rate that differs is the category schedule. The Premier’s 2.5% on transactions of $5,000 or more addresses a gap in the rest of the lineup: the other Ink cards earn at flat or category rates, but none reward single large transactions at a premium rate. Travel purchased through Chase Travel earns 5% cash back, with no cap stated on the card page. As of October 2026, other purchases earn 2%.
A business making multiple $10,000–$50,000 purchases per month (equipment, inventory, contractor invoices) earns $250 per $10,000 at 2.5% — a higher raw-dollar return than any other no-transfer-partner business card at that spend tier. The tradeoff: no transfer partners and a $195 annual fee. Purchases post automatically to a Flex for Business balance until that limit is reached, and that balance can be paid over time with interest. Any further purchases post to a Pay in Full balance that is due each month.
Limits, eligibility, and availability
The cards are U.S. business credit cards from Chase. The pages ask for a business. They do not publish a minimum revenue.
Cash’s bonus caps reset on the account anniversary. Preferred’s 3-point cap resets on the same kind of anniversary year. A calendar-year reading of those caps does not match the page.
Premier does not list transfer partners. A Premier balance is not described as combinable into a partner transfer on that page. Unlimited and Cash balances are Ultimate Rewards balances. Chase’s transfer feature, where it is offered, is attached to a card that lists partners, such as Preferred.
- Unlimited + Cash (no fee): Efficient category coverage with stacking option if a Preferred is added later.
- Preferred ($95): The UR transfer-partner unlock; best for high-category spend (travel, ads, shipping) and points-focused strategies.
- Premier ($195): Built for high-ticket, single-transaction business spending where 2.5% surpasses all three alternatives — but no transfer partners. Chase Travel earns 5%, and repayment is split between a Pay in Full balance and Flex for Business.
The card pages do not state a “5/24” application count. This comparison does not add one.
Availability is a U.S. business application. The caps are anniversary-year dollar limits, not a credit limit. The credit limit is assigned on the account.
Tradeoffs and constraints
Unlimited trades categories for a flat 1.5% and a $0 fee, and its pricing schedule adds a 3% foreign transaction fee. Cash trades the flat rate for 5% and 2% inside two $25,000 caps. Preferred trades a $95 fee for 3-point categories and a published transfer list. Premier trades a $195 fee for a 2% base, a 2.5% rate on large purchases, and 5% on Chase Travel, without a transfer list on the page.
A point on Preferred and a percent on Premier are different units until a redemption rule converts them. The Preferred page does not state a cents-per-point value for a partner transfer. A cash-back redemption at 1 cent per point is a separate Ultimate Rewards rule from the earn rate.
The four cards share the Ink brand and a business application. They do not share one earn schedule or one annual fee.
See also 1.5% business cards and merchant category codes.
