Comparing ALL the Chase Ink Cards: Which Chase Ink Card Should You Get?

Chase recently released the Chase Ink Unlimited card, which led us to the question, "which Chase business card or card combination is the most optimal?"

To keep things simple, we're only going to analyze the Chase Ink cards on the market right now, and not factor in grandfathered cards. 

You can view credit card offers by going to the "Credit Card Offers" tab. Find offers for the respective cards in "Business Credit Cards." You don't have to use our links, but we're grateful when you do. Thank you for supporting AskSebby!


  1. Access the spreadsheet here:
  2. "File" > "Download As" or "Make a Copy"
  3. Modify YELLOW cells only


The Chase Ink Unlimited and the Chase Ink Cash both have a $0 annual fee with 0% intro APR, and the Chase Ink Preferred has a $95 annual fee with an APR % fee. 



Each colored block in the spreadsheet has a combined cap. For example, the red block under the Chase Ink Cash means that you'll only earn 5x points on combined purchases for office supplies and internet, cable, and phone bills. 

Chase Ink Unlimited

  • Earn an unlimited 1.5x points on everything

Chase Ink Cash

  • Earn 2x on gas stations and dining, on up to $25,000 in combined purchases
  • Earn 5x on office supplies and internet, cable, and phone bills, on up to $25,000 in combined purchases
  • Earn 1x on everything else

Chase Ink Preferred

  • Earn 3x on internet, cable, and phone services, travel, shipping, and advertising, on up to $150,000 in combined purchases
  • Earn 1.5x on everything else

Points Valuation

Place an "X" on how you plan to use the points. Select only one redemption method. 


The value of the signup bonus will change based on the redemption method you select.

Spend multipliers

In the spend multipliers section, enter the dollar amounts you would spend in each category to see which cards you should get.


If you're someone who runs a lot of ads, the Chase Ink Preferred is the optimal route. 

For example, if you have a $10,000 ad budget per month, that comes out to be $120,000/year in ad spend. One client could easily get you 80% of the 3x cap of $150,000 for 3x back.


Q: Can you pool UR points between personal/business cards?

A: Yes, you can pool personal/business points together as long as you're in the same household and ideally, you have the same last name. 

Q: Can you combine hard inquiries for Chase Ink cards?

A: With Chase, you can combine hard inquiries, but personal and business cards will always be two hard inquiries since they're different departments. 

If you apply for two Chase Ink cards on the same day, Chase will issue two hard inquiries, but the credit bureau will only account for one pull because they think the second inquiry is a mistake. 

As a side note, if you're just starting out with business cards, I don't recommend applying for two at the same time because it could be seen as high-risk behavior.  

Q: What's the optimal application timeline?

A: The ideal timeline is to apply for the Chase Ink card when you're under 5/24. Chase Ink cards are affected by the 5/24 rule, but they don't count towards it.

Q: Does Plastiq still code as 3x for the Chase Ink Preferred?

A: As of writing this post, yes. Be aware that this can change at any time. 

Plastiq is a service that lets you use your credit card in places that otherwise wouldn't accept card payments. There is a 2.5% flat fee for all transactions. 

Try Plastiq and get $500 in fee-free payments after you spend $500 (referral link):

For each $100 you run through Plastiq:

Fees = $2.50

Benefit = 

a) Cash: 1 CPP * 3x = $3.00
b) CSP/CIP travel: 1.25 CPP * 3x = $3.75
c) CSR travel: 1.5 CPP * 3x = $4.50
d) Transfer (likely): 2 CPP * 3x = $6.00
e) Transfer (extreme): 3 CPP * 3x = $9.00

Learn more about how to use Plastiq in this post.

Q: How long should you wait between business card applications?

A: I've heard varying data points between 30 days and 90 days. 

If you're worried about being denied, then I recommend waiting 90 days between Chase business card applications. 

Q: Chase Trifecta - Should you get the Chase Freedom Unlimited or the Chase Ink Unlimited?

A: I recommend going for the Chase Ink Unlimited if you can apply for business cards. The Chase Ink Unlimited has a 50k point signup bonus, which is better than the personal Chase Freedom Unlimited.