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KEY LINKS:

  • Chase Ink Unlimited card – welcome offer of 75,000 Ultimate Rewards after spending $7,500 in the first 3 months. No annual fee
  • Chase Ink Cash card – welcome offer of 75,000 Ultimate Rewards after spending $7,500 in the first 3 months. No annual fee
  • Chase Ink Preferred card – welcome offer of 100,000 Ultimate Rewards after spending $15,000 in the first 3 months. $95 annual fee

I’ve often said that the best way to get a good number of points is through judicious credit card signups. If you find that you are putting all of your spending on your one airline or rewards credit card but not actually getting enough points for any trips, you might want to take a closer look at periodically signing up for new credit cards. As long as you have the financial ability and discipline to pay off your credit cards in full, each and every month, I think that most people could sign up for a new card every few months without having any real effect to your credit score.

(SEE ALSO: 5 myths about credit and your credit score

Today I wanted to take a look at three of the Chase Ink credit cards. All three of them have increased signup bonuses worth at least $750 and probably close to $1,000 or more. All three of these cards are considered “small business” credit cards, but you may have a business even if you don’t think you do. And I would say that if you are ignoring the small business cards and only applying for personal credit cards, you are doing yourself a disservice by passing up on half of the available credit card bonus offers.

You can find all of these cards (along with others) on our top credit card offers page under the business cards section

Chase Ink Unlimited

The first card to look at is the Chase Ink Unlimited. The Ink Unlimited has a very simple earning structure. You’ll get 1.5 Ultimate Rewards points per dollar spent on the card (marketed as 1.5% cash back). If you don’t have a premium Chase card (like the Sapphire Reserve or Ink Preferred), then your points are worth just 1 cent per point. But if you do have a premium card, you can transfer your Chase points that you earn with the Ink Unlimited and get 25% or 50% extra value.

  • 75,000 Ultimate Rewards (marketed as $750 cash back) after spending $7,500 in the first 3 months.
  • 1.5X Ultimate Rewards points on all purchases
  • 0% intro APR for 12 months from account opening on purchases
  • Primary Car Rental Damage Insurance when traveling for business (so you can decline the car rental company’s insurance)
  • No annual fee

Chase Ink Cash

The Chase Ink Cash is another no-fee option. Rather than earning 1.5 Ultimate Rewards points per dollar, you’ll get 5X at office supply stores and on internet, cable and phone services, and 2x at gas stations and restaurants. So depending on your spending patterns, you may find that you’ll come out ahead with the Ink Cash instead of the Ink Unlimited. You can also consider having both cards – that way you can use the Ink Cash where it gets a spending bonus and the Ink Unlimited everywhere else.

Just like with the Ink Cash, if you don’t have a premium Chase card (like the Sapphire Reserve or Ink Preferred), then your points are worth just 1 cent per point. But if you do have a premium card, you can transfer your Chase points that you earn with the Ink Unlimited and get 25% or 50% extra value.

  • 75,000 Ultimate Rewards (marketed as $750 cash back) after spending $7,500 in the first 3 months.
  • 5X at office supply stores and on internet, cable and phone services (up to $25,000 per year combined)
  • 2X at gas stations and restaurants (up to $25,000 per year combined)
  • Primary Car Rental Damage Insurance when traveling for business (so you can decline the car rental company’s insurance)
  • No annual fee

Chase Ink Preferred

The Chase Ink Preferred comes with a $95 annual fee and is considered one of Chase’s premium travel cards. It also comes with a higher initial welcome bonus (100,000 Ultimate Rewards points) but also has a higher spending requirement ($15,000 in the first 3 months of having the card)

  • 100,000 Ultimate Rewards after spending $15,000 in the first 3 months.
  • 3X points on shipping and advertising purchases, Internet, cable and phone services and travel.
  • Redeem points for 1.25 cents per point through the Chase travel portal (25% bonus)
  • Ability to transfer your Ultimate Rewards points to Chase travel partners including United Airlines, Hyatt Hotels and Southwest Airlines
  • Trip Cancellation and Trip Interruption Insurance
  • Primary Car Rental Damage Insurance when traveling for business (so you can decline the car rental company’s insurance)
  • Cell Phone protection (if you pay your bill with the card)
  • $95 annual fee

Which Chase Ink Card is Best?

Deciding which of these three Chase Ink credit cards is best for you will depend on your particular spending patterns. Of course $15,000 spending in only 3 months is quite a bit, so if you don’t feel like you can make that, the Ink Preferred may not be a great option for you. Even $7,500 in 3 months could be challenging for some people. If you can make the spending targets, I would consider the Ink Preferred if you don’t have another premium Chase credit card. Other than that, I would probably get the Ink Cash first and then the Ink Unlimited. Personally, I have both the Ink Cash and Ink Unlimited (along with the Sapphire Preferred).

  • Chase Ink Unlimited card – welcome offer of 75,000 Ultimate Rewards after spending $7,500 in the first 3 months. No annual fee
  • Chase Ink Cash card – welcome offer of 75,000 Ultimate Rewards after spending $7,500 in the first 3 months. No annual fee
  • Chase Ink Preferred card – welcome offer of 100,000 Ultimate Rewards after spending $15,000 in the first 3 months. $95 annual fee

You can find all three of these Chase Ink cards on our top credit card offers page. As always, thank you in advance for your support if you apply for one of these cards through our links.

What about you? Do you have any of the Chase Ink cards? Which one do you think is best?


Points With a Crew has partnered with CardRatings for our coverage of credit card products. Points With a Crew and CardRatings may receive a commission from card issuers. Other links on this page may also pay me a commission - as always, thanks for your support if you use them
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