Chase Ink Enterprise Money Bank card evaluate: Full particulars

*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Ink Enterprise Money is among the finest no-annual-fee enterprise playing cards in the marketplace.

It gives 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 for those who additionally maintain a premium Chase card, you’ll be able to unlock even larger worth by transferring rewards to the Final Rewards ecosystem.

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

Let’s take a more in-depth take a look at the Ink Enterprise Money Credit score Card so you’ll be able to determine if it is a good match for your corporation.

Ink Enterprise Money professionals and cons

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 could be the very best time to use.

And you’ll flip the cash-back bonus into Final Rewards factors for those who 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 costs), Chase Sapphire Most well-liked® Card (see charges and costs) or Chase Sapphire Reserve for Enterprise℠ (see charges and costs).

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When you even have one in all these playing cards, your cashback will grow to be 90,000 Final Rewards factors price $1,845, in line 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 offered by the cardboard issuer.

The Ink Enterprise Money is topic to Chase’s 5/24 rule, that means you will doubtless be denied for those who’ve opened 5 or extra private bank cards throughout all banks up to now 24 months.

Associated: Your information to the Chase Ink Enterprise bank cards

Ink Enterprise Money advantages

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

If you buy eligible objects with the Ink Enterprise Money, these purchases will probably be coated by prolonged guarantee and buy protections. These protections can save your corporation some severe money.

Prolonged guarantee safety extends the interval of a U.S. producer’s guarantee by an extra 12 months on eligible warranties of three years or much less. And buy safety covers your new purchases for 120 days in opposition to injury or theft at as much as $10,000 per declare and $50,000 per account.

If you hire a automobile, you may be coated by the Ink Enterprise Money’s auto rental collision injury waiver whenever you decline the rental firm’s collision insurance coverage and cost the complete rental value to your card. Protection is main when renting for enterprise functions and gives 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 residence or overseas, you’ll be able to 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 liable for the price of any providers you get hold of.

Lastly, the Ink Enterprise Money options zero legal responsibility safety, which suggests you will not be held liable for unauthorized costs made along 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

• 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, top-of-the-line cash-back bank card incomes charges in the marketplace, and it is even higher you probably have a card that earns Chase Final Rewards factors. Then you’ll be able to 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

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

Associated: Learn how to maximize your Chase Final Rewards factors

Transferring rewards on the Ink Enterprise Money

The opposite card that earns Chase Final Rewards factors have to 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’ll be able to switch them to airline and resort journey companions or guide journey straight 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: Learn how to guide journey (and save factors) with Chase Journey

Which playing cards compete with the Ink Enterprise Money?

For added choices, try our full listing of the very best enterprise bank cards.

Associated: Learn how to get a enterprise bank card

Is the Ink Enterprise Money price it?

The Ink Enterprise Money is right if your corporation spends below $25,000 annually in its high 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 finest for companies with average bills in these classes.