Do Chase Ink Credit Cards Earn Points or Cash Back?

Do Chase Ink Credit Cards Earn Points or Cash Back?

Chase Ink business cards like the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card are marketed as cash back cards, but they actually earn Chase Ultimate Rewards points.

Per the Chase Ink offer details page:

Cash Back and Points: "Cash Back rewards" are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may see "Cash Back" in marketing materials when referring to the rewards you earn.

For example, the Ink Business Cash® Credit Card has a $750 intro bonus after you spend $7,500 on purchases in the first 3 months from account opening. When you earn the intro bonus, your account will be credited 75,000 Ultimate Rewards points.

Points do not expire as long as you have a Chase Ultimate Rewards earning card open.

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How Much Are Chase Ultimate Rewards Worth?

Points can be redeemed for cash back, gift cards, and travel through the Chase Ultimate Rewards portal.

If you have multiple Chase Ultimate Rewards earning cards, you can pool the points together for redemption.

Chase Sapphire Reserve® cardholders can redeem points for travel at 1.5x via transfer partners or Chase Ultimate Rewards.

Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card cardholders can redeem points at 1.25x through Chase Ultimate Rewards.