Chase Ink Enterprise Money Bank card assessment: Full particulars

Ink Enterprise Money Credit score Card overview

Chase’s Ink Enterprise Money® Credit score Card (see charges and charges) is a good selection for small companies seeking to earn bonus rewards on workplace provides and choose utilities and at fuel stations and eating places — for no annual payment. And you may greater than double the worth of your rewards when 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 without doubt one of the greatest no-annual-fee enterprise playing cards in the marketplace.

It affords excessive incomes charges on on a regular basis bills like workplace provides, and cable, web and cellphone providers — plus sturdy returns at fuel stations and eating places. And when you additionally maintain a premium Chase card, you may unlock even higher worth by transferring rewards to the Final Rewards ecosystem.

The advisable credit score rating to use for this card is 670 or above.

Let’s take a more in-depth have a look at the Ink Enterprise Money Credit score Card so you may determine if it is a good match for your online business.

Ink Enterprise Money execs and 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’s the very best time to use.

And you may flip the cash-back bonus into Final Rewards factors when 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).

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In case you even have one among these playing cards, your cashback will turn out to be 90,000 Final Rewards factors value $1,845, in accordance 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, which means you will possible be denied when you’ve opened 5 or extra private bank cards throughout all banks prior to now 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 gives modest advantages and perks.

One of many card’s greatest perks for a lot of small-business house owners is that you may request playing cards for workers at no extra value. You may earn rewards for his or her spending, and you’ll even set particular person worker spending limits for higher management.

While you buy eligible gadgets with the Ink Enterprise Money, these purchases might 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 a further 12 months on eligible warranties of three years or much less. And buy safety covers your new purchases for 120 days towards injury or theft at as much as $10,000 per declare and $50,000 per account.

While you hire a automotive, you will be lined by the Ink Enterprise Money’s auto rental collision injury waiver while you decline the rental firm’s collision insurance coverage and cost the whole rental value to your card. Protection is major when renting for enterprise functions and supplies reimbursement as much as the precise money worth of the automobile for theft and collision injury for many leases within the U.S. and overseas.

Whether or not you are at house or overseas, you may 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 providers you acquire.

Lastly, the Ink Enterprise Money options zero legal responsibility safety, which implies you will not be held accountable for unauthorized expenses 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 providers (on as much as $25,000 in mixed purchases per account anniversary 12 months)2% money again at fuel stations and eating places (on as much as $25,000 in mixed purchases per account anniversary 12 months)1% money again on all different purchases

5% money again is spectacular for a no-annual-fee card, probably the greatest cash-back bank card incomes charges in the marketplace, and it is even higher when you have a card that earns Chase Final Rewards factors. Then you may 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 providers.

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 does not imply you do not have choices for redeeming your rewards. In case you redeem for money, you may obtain your cash as an account assertion credit score or via an digital deposit into an eligible U.S. checking or financial savings account.

Different choices, equivalent to present playing cards, journey, distinctive experiences, Amazon Store with Factors and Apple Final Rewards Retailer, present lower than face worth in your cash-back rewards. So, we typically do not advocate redeeming your rewards for these lower-value choices.

Associated: Tips on how to maximize your Chase Final Rewards factors

Transferring rewards on the Ink Enterprise Money

When you have a card such because the Ink Enterprise Most well-liked or a Sapphire card that earns Chase Final Rewards factors, you unlock a further redemption possibility: You’ll be able to convert the cash-back rewards in your Ink Enterprise Money to Chase Final Rewards factors.

The opposite card that earns Chase Final Rewards factors should 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 may switch them to airline and resort journey companions or e book journey instantly via 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: Tips on 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 major spending aligns nicely with the workplace provide and utilities bonus classes. However listed below are another choices:

For extra choices, take a look at our full record of the very best enterprise bank cards.

Associated: Tips on how to get a enterprise bank card

Is the Ink Enterprise Money value it?

The Ink Enterprise Money is right if your online business spends underneath $25,000 every year in its prime bonus classes (workplace provide shops, cable, web and cellphone providers; 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 mix of simplicity and the potential for redemptions makes the Ink Enterprise Money a sensible choice when you’re on the lookout for cash-back rewards or the flexibility to transform money again to transferable journey rewards.

In case you continuously store at workplace provide shops or pay cable, web and cellphone providers with a bank card, including the Ink Enterprise Money to your pockets may elevate your earnings on these bills with out requiring you to pay an annual payment.

Apply right here: Ink Enterprise Money