Ink Business Preferred Ink Business Unlimited Ink Business Cash
Welcome Bonus100,000 welcome bonus points after spending $15,000 within the first 3 months 50,000 welcome bonus points after spending $3,000 in the first 3 months 50,000 welcome bonus points after spending $3,000 within the first 3 months
Credit Needed Excellent Good Good
Annual Fee $95 $0 $0
Points/Cash Back Earnings Categories5x points on Lyft rides
3x points on the first $150,00 you spend annually on travel, cable, shipping, internet, phone, and advertising
1 point per dollar for all other purchases
Unlimited 1.5% cash back on all purchases
5% cash back on Lyft rides
5% cash back on the first $25,000 you spend annually in the following categories: office supply stores, internet, cable, phone service.
5% cash back on Lyft rides
2% cash back on the first $25,000 spent annually at gas stations and restaurants1% cash back on all other purchases  
Intro 0% APR none Intro 0% APR for 12 months on purchases   Intro 0% APR for 12 months on purchases  
Foreign Transaction Fee none 3% 3%
Car Rental Insurance Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose.Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose. Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose.
Purchase protection Up to 120 days. $10,000 per claim ($50,000 per account)   Up to 120 days. $10,000 per claim ($50,000 per account) Up to 120 days. $10,000 per claim ($50,000 per account)
Cell Phone ProtectionGet $600 if paying your cell phone bill with this card and it is damaged or stolen.  (There is a $100 deductible for this claim. Limit 3 claims per year) none none
Extended WarrantyOne additional year (limit $10,000 each claim and $50,000 max per account)One additional year (limit $10,000 each claim and $50,000 max per account)One additional year (limit $10,000 each claim and $50,000 max per account)
Trip cancellation/ Interruption insuranceUp to $5,000 per person per trip for a max of $20,000 per year none none
Lost Luggage Up to $3,000 per person Up to $3,000 per person Up to $3,000 per person
Trip Delay Reimbursement If delayed more than 12 hours or overnight you can claim up to $500 none none
Baggage DelayIf delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 daysIf delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 daysIf delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 days
Travel Accident InsuranceUp to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return.Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return.Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return.
Roadside AssistanceServices include: short distance towing, winching, gas delivery, lockout service, and tire changesServices include: short distance towing, winching, gas delivery, lockout service, and tire changesServices include: short distance towing, winching, gas delivery, lockout service, and tire changes
Best For: A business which requires frequent travel Spends a lot in the categories mentioned above A business that does not spend a lot by the high earning categories from the Chase Ink Cash and would rather earn 1.5% cashback on all purchases.Wants to pay for large purchases interest fee over a period of time A business which spends on office supplies and internet and phone service wants to pay for large purchases interest fee over a period of time
Point Value Points redeemed for 1.25 cents per point for travelCan be redeemed for 1 cent per point for statement credit or cashPoints can be transferred to airline and hotel partner programsIf the points are transferred to the Sapphire Reserve, they can be redeemed for 1.5 cents per point towards travel Points are redeemed for 1 cent for travel, statement credit, and cash back   If the points are transferred to the Sapphire Reserve, they can be redeemed for 1.5 cents per point towards travel Points are redeemed for 1 cent for travel, statement credit, and cash backIf the points are transferred to the Sapphire Reserve, they can be redeemed for 1.5 cents per point towards travel

In Summary

If you travel often, the Preferred is the way to go. Keep in mind that you’ll have to be able to spend a bit more within the first 3 months to receive the welcome bonus. The Preferred comes along with some additional benefits like cell phone protection, trip cancellation insurance, and trip delay reimbursement. Remember, though, you’ll be paying for that with the $95 annual fee, while the Unlimited and Cash cards have a $0 annual fee.

If you spend a lot in office supply stores, or on internet, cable, and phone service, then the Chase Ink Cash will be the better card as it will earn you 5% cash back on up to $25,000 you spend at these categories annually.

In either case, it’s always good to have the Chase Ink Unlimited card as well as that card will earn you unlimited 1.5 cashback (can be combined as points as well) on all purchases!

The Chase Ink Unlimited and the Chase Ink Cash also have the benefit of Intro 0% APR on all purchases for the first 12 months which can be very useful for many businesses to help them manage their cash flow.

Take all Three

It’s important to note that you can have all three cards if you would like as well.   Every card as you see above has its own uniqueness so either choose the card that works best for you or just take them all!

Have a great day!