April 25, 2024

For years, the card_name has punched above its no-annual-fee weight. It’s nonetheless among the finest small enterprise bank cards in the marketplace for a number of causes.

Ink Enterprise Money® Card

Intro APR


Common APR


Bonus rewards particulars


  • 5% money again on $25,000 value of workplace provides and office-related companies – like web, cable, and telephone companies—yearly.
  • 2% money again from fuel stations and eating places yearly, as much as $25,000.
  • 1% money again on all different purchases (no restrict).

First, although it’s marketed by Chase as a money again bank card, it’s really not. It earns Chase Final Rewards® factors which could be redeemed for money, however you can even redeem them without cost resort stays, airfare, rental vehicles and many others. at a charge way more favorable than money again.

It its welcome bonus will make you bonus_miles_full. That leaves most different annual_fees annual price bank card bonuses within the mud.

Lastly, the cardboard earns between 2% and 5% money again on widespread bills, which is effectively above common.

If you happen to’re on the prowl for a small enterprise bank card, the card_name may very well be simply what you want. Right here’s what that you must find out about this card.

TIME’s Take


The card_name is among the many strongest earners within the rewards bank card market. Its spending bonuses are beneficiant, and its huge $750 welcome bonus after assembly minimal spending necessities needs to be cause sufficient to no less than strive the cardboard out for a 12 months or two. The truth that the cardboard costs a annual_fees annual price makes it all of the extra spectacular.

The cardboard is probably not the very best for giant spenders, although, as its bonus classes have a yearly cap.

Chase Ink Enterprise Money vs Limitless

  • 5% money again on $25,000 value of workplace provides and office-related companies – like web, cable, and telephone companies—yearly
  • 2% money again from fuel stations and eating places yearly, as much as $25,000
  • 1% money again on all different purchases (no restrict)
  • 1.5% money again on each business-related buy
  • 5% money again on Lyft (by means of March 2025)



Professionals & cons

As much as 5% again (5 factors per greenback) for widespread enterprise purchases

Solely small enterprise homeowners qualify

Bonus spending classes have annual caps

Money again could be transformed into journey rewards

Who’s the cardboard for?

The card_name is a small enterprise bank card. Meaning you’ll must function a small enterprise to qualify. Nonetheless, even side-gigs like promoting objects on Etsy, driving for Uber or varied freelance work could be sufficient to qualify as a enterprise. If you happen to’re being profitable from an analogous initiative, you’re a small enterprise proprietor.

With annual_fees annual price, the card_name is an effective decide should you’re unwilling to make an preliminary funding for giant worth. Whereas it’s acquired a good number of perks, it could actually’t compete with the continued advantages supplied by annual fee-incurring bank cards, a few of which supply many a whole lot of {dollars} in memberships and assertion credit annually.

This card can also be nice for these fascinated by journey. As you’ll see, the cardboard’s rewards could be transformed into airline miles and resort factors which might make practically free journey attainable.

Rewards construction

The card_name will bonus_miles_full.

The cardboard additionally earns rewards on the following charge:

  • 5% money again (5 Chase factors per greenback) on Lyft rides by means of March 2025.
  • 5% money again (5 Chase factors per greenback) on the primary $25,000 of mixed spending on web, cable, telephone companies and at workplace provide shops every cardmember 12 months (then 1%).
  • 2% money again (2 Chase factors per greenback) on the primary $25,000 of mixed spending at eating places and fuel stations every cardmember 12 months (then 1%).
  • 1% money again (1 Chase level per greenback) on all different eligible purchases.

A large return like this for widespread bills is an enormous deal, notably for a no annual price bank card. If what you are promoting spending could be channeled by means of workplace provide shops (which can embrace issues like Visa reward playing cards that can be utilized anyplace), you’ll be sitting on a heap of rewards earlier than you recognize it.

The card_name earns Chase Final Rewards factors — not money again. You’ll be able to redeem them for issues like:

  • Money again at a charge of 1 cent every.
  • Present playing cards at a charge of 1 cent every (typically 1.1 cents every throughout promotions).
  • To pay to your Amazon cart at a charge of 0.8 cents every.
  • Free journey by means of Chase switch companions.

That final bullet is the one to deal with. Utilizing your factors for journey is way and away the best choice to squeeze worth from Chase factors.

The caveat is that you may’t switch your factors to airline and resort companions until you additionally maintain both the card_name, card_name or card_name. To switch the rewards you earn from the card_name, you need to first transfer your factors onto one among these playing cards (this may simply be achieved on-line).

When you’ve achieved that, you may convert your factors into airline miles and resort factors. Right here are some things you may accomplish with the card_name welcome bonus:

  • Switch 80,000 factors to Hyatt for a weekend at Alila Ventana Large Sur, an five-star all-inclusive resort. That’s a $4,000+ resort keep (a price of 5 cents per level).
  • Switch 77,000 factors to Flying Blue (the loyalty program of Air France and KLM) for 3 round-trip financial system promo awards between Miami and Paris on Air France. You’ll pay round $200 in charges per particular person, however you’ll get $2,500+ in airfare (a price of two.4 cents per level).
  • Switch 70,000 factors to British Airways for a one-way enterprise class flight between the East Coast and Doha in Qatar Qsuites, a few of the fanciest lie-flat seats within the sky. That’s a $4,500+ flight (a price of 6.4 cents per level).

You can even “purchase” airfare, resort stays, rental vehicles and many others. by means of the Chase Journey Portal (Chase’s proprietary on-line journey company) for between 1.25 cents and 1.5 cents every, relying on which annual fee-incurring Final Rewards bank card you’ve gotten.

The superb print

Whereas the card_name doesn’t cost an annual price, you’ll be on the hook for different widespread bank card charges, similar to:

  • International transaction charges: Pay foreign_transaction_fee, whether or not you’re touring overseas or making on-line purchases from a international nation in your house workplace.
  • Stability switch charges: Pay $5 or 5% of your stability switch quantity, whichever is larger.
  • Money advance charges: Pay cash_advance_fee
  • Late cost charges: Pay a $40 price whenever you miss your cost due date. Set your bank card on autopay for the minimal cost to make sure you by no means should pay this price.
  • Return cost charges: Pay a $40 price when your cost is just not processed on account of inadequate funds (or different causes).

After all, you’re additionally topic to a purchase order reg_apr,reg_apr_type, relying on creditworthiness. This element is irrelevant so long as you pay your stability off every month, as you’ll by no means incur curiosity. Nonetheless, should you assume you’ll carry a stability month-to-month, this card is just not a great choice. The truth is, no rewards bank card is an effective choice for carrying a stability.

Further hidden perks

Intro APR supply

The card_name gives intro_apr_rate,intro_apr_duration (then reg_apr,reg_apr_type). Because of this swiping your card and carrying a stability month-to-month received’t incur curiosity throughout your first 12 months of card membership.

Once more, carrying a stability is likely one of the worst habits you may presumably develop as a bank card holder, however should you’ve acquired massive enterprise bills on the horizon that you just don’t assume you may repay inside a number of months, this intro APR supply may very well be an enormous assist.

Major rental automobile insurance coverage

The card_name is likely one of the solely annual_fees annual price bank cards that provides main rental automobile insurance coverage. Merely use your bank card to pay for the reservation and decline the rental company’s in-house CDW, and also you’re routinely lined.

One essential observe is that you just’re solely lined when renting a automobile for enterprise functions.

Buy insurances

The card_name positions itself as a great choice for giant enterprise purchases because of the next coverages:

  • Buy safety: Eligible objects purchased with this card are lined as much as 120 days towards injury or theft, as much as $10,000 per declare (max $50,000 per account).
  • Prolonged guarantee safety: Eligible objects purchased with this card obtain as much as 1 extra 12 months on U.S. producer’s warranties of three years or much less.

Journey and emergency help companies

The journey and emergency help companies function is just not insurance coverage, however it could actually prevent a number of complications when issues go flawed throughout your journey.

The card_name provides you entry to a hotline that provides translation companies, assist with visas and misplaced passports, medical referrals and much extra. Even should you simply need some recommendation earlier than your journey begins, you may name the quantity to get data so simple as climate reviews.

The hotline is free to make use of, however you’ll pay something that prices cash (similar to emergency transportation).

Roadside Dispatch

Roadside Dispatch is type of a pay-to-play AAA membership. By calling a devoted quantity, you may prepare for a jumpstart, tire change (so long as you’ve acquired a spare), towing and many others. These companies aren’t free (although some might supply reductions), however it’s a consolation to know that you just’ve acquired an answer should you expertise automobile hassle.

What may very well be improved

The card_name is basically cardholder-friendly other than one obtrusive ache level: annual bonus class caps.

For instance, should you spend greater than $25,000 per anniversary 12 months between fuel stations and eating places, your return charge will likely be throttled closely. Relying on the character of what you are promoting, you could spend far more than $25,000 for these bills annually.

The cardboard might additionally stand to supply 0% intro APR on stability transfers in addition to purchases.

Card alternate options

*Bonus rewards apply for as much as $25,000 in mixed spending annually, then 1% (1 Chase level per greenback).

The card_name overperforms for a annual_fees annual price small enterprise bank card. In case your spending aligns with its beneficiant 5% bonus classes, you’ll discover this to be the only quickest solution to accrue Chase Final Rewards factors.

Ink Enterprise Money® Card

Intro APR


Common APR


Bonus rewards particulars


  • 5% money again on $25,000 value of workplace provides and office-related companies – like web, cable, and telephone companies—yearly.
  • 2% money again from fuel stations and eating places yearly, as much as $25,000.
  • 1% money again on all different purchases (no restrict).

Often requested questions (FAQs)

Is the card_name value it?

The card_name has annual_fees annual price, so it’s value a take a look at drive for nearly any small enterprise. Particularly should you spend meaningfully at workplace provide shops or for web, cable or telephone companies annually, you’ll be hard-pressed to discover a higher choice.

What’s the price for card_name?

The card_name has annual_fees annual price.

How do you qualify for card_name?

To qualify for the card_name, you need to function a small enterprise. This could be a easy side-gig like babysitting, tutoring or teaching — so long as you’re being profitable from it.