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chase ink plus

Chase Ink Plus Business Credit Card: Does it Still Exist?

So, you’ve heard about the Chase Ink Plus credit card… Unfortunately, Chase no longer offers the Ink Business Plus card. They have, though, created a completely new line of Ink Business cards to replace the Ink Plus card. There are now three Ink Business cards and they’re all great options.

 

The three current Ink Business credit cards are as follows:

See our full review of the Ink Preferred.

 

See our full review of the Ink Cash.

 

See our full review of the Ink Unlimited.

 

In our opinion, the Chase Ink cards are the best small business credit cards offered by any bank. Why do we believe this to be true? Well, to start, each of the cards has a very high introductory offer of Chase Ultimate Rewards points. The Chase Ink Preferred has the largest offer of all three cards and is one of the most valuable offers of ANY credit card. The Ink Cash and Ink Unlimited have very large introductory offers and also don’t have annual fees.

 

Chase Ink Plus Compared to the Current Ink Cards

Let’s take a look at what the Chase Ink Plus credit card last offered for new card members. When it was last available, it offered a 60,000 point introductory offer. It earned 5X rewards at office supply stores and on cell phone, landline, internet, and cable TV services. It also earned 2X rewards at gas stations and hotels. The card also came with the advantage of 20% extra value for redeeming Ultimate Rewards through the Chase travel portal. All of these features came with an annual fee of just $95.

 

Here are the main features of the current Chase Ink credit cards.

 

 Ink Bus. Preferred
Ink Business Cash
Ink Bus. Unlimited
Signup Bonus80,000$500 (50,000 pts)$500 (50,000 pts)
Bonus Spending Categories3X on travel, shipping, internet, cable, phone, and online ads5X on office supply stores, phone, internet, and cable, 2X on gas and dining.1.5X on all purchases
Annual Fee$95$0$0
Extra PerksCell phone protection
Primary Car Rental Insurance
Travel Insurances
Strong 5X Rewards CategoriesPurchase protection, extended warranty, free employee cards
Best for People Who...Want a huge introductory bonus

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

Want simplicity in earning through spend
Learn More >>Learn More >>Learn More >>

 

As you can see, none of the three newer cards alone have exactly what the Chase Ink Plus card offered. With a combination, the features of the Chase Ink Plus can nearly be achieved. For instance, the Chase Ink Preferred has a superior introductory offer, while it has slightly different rewards opportunities. The Chase Ink Plus has nearly identical rewards opportunities, but a slightly lower introductory offer. Lastly, the Chase Ink Unlimited has a completely new offering in the rewards department, earning 1.5X on all purchases and has an introductory offer slightly lower than what the Chase Ink Plus used to offer.

 

We also have an article comparing the three current Chase Ink Business cards.

 

Combine Two Ink Cards for the Best Results

By having the Ink Preferred and the Ink Cash together, you can have the best of both worlds. You’ll enjoy having the rewards earning opportunities of the Chase Ink Plus and more. Also, you’ll earn introductory offers adding up to more than double the points of the Chase Ink Plus. With these two cards, you’d also only be paying the same amount for the annual fees as you were with the Chase Ink Plus.

 

Old Chase Ink Plus vs Current Ink Cards

 Introductory OfferRewardsBenefitsAnnual Fee
Chase Ink Plus (no longer available)
60,000 Ultimate Rewards5X at office supply stores, and on cell phone, landline, internet and TV services.

2X at gas stations and on hotels.
Points worth 20% more in Chase travel portal.

Chase airline & hotel transfer partners.
$95
Ink Bus. Preferred
80,000 Ultimate Rewards3X on travel, shipping, internet, cable, phone, and online ads.Points worth 25% more in Chase travel portal.

Chase airline & hotel transfer partners.

Cell phone protection.

Primary car rental insurance.
$95
Ink Business Cash
$500 (50,000 Ultimate Rewards)5X on office supply stores, phone, internet, and cable.

2X on gas and dining.
Purchase protection.

Extended warranties.

Employee cards at no additional cost.
No annual fee
Ink Bus. Unlimited
$500 (50,000 Ultimate Rewards)1.5X on all purchasesPurchase protection.

Extended warranties.

Employee cards at no additional cost.
No annual fee

 

Earning Chase Ultimate Rewards with Ink Cards

All of the Chase Ink cards earn Ultimate Rewards points. The Ink Cash and Ink Unlimited cards are advertised as cash back cards, but actually earn the same Ultimate Rewards. Those cards by themselves can only be redeemed for 1 cent per point and have no access to Chase transfer partners. Fortunately, Ultimate Rewards points can be transferred between card accounts. So, if you have a primary Chase credit card (Sapphire Preferred, Sapphire Reserve, Ink Preferred) you’ll be able to transfer your points to one of them to have better redemption options.

 

Chase Airline Transfer Partners

 Transfer RatioTransfer Time
Aer Lingus1:1Instant
British Airways1:1Instant
Air France1:1Instant
Iberia1:1Instant
JetBlue1:1Instant
Singapore Airlines1:1Up to 2 days
Southwest1:1Instant
United1:1Instant
Virgin Atlantic1:1Instant

 

Chase Hotel Transfer Partners

 Transfer RatioTransfer Time
Hyatt1:1Instant
IHG1:11 day
Marriott1:12 days
Ritz-Carlton1:12 days

 

With a primary Chase card you will be able to redeem your Ultimate Rewards for 25-50% more value within the Chase travel portal. You’ll also gain access to the Chase hotel and airline transfer partners, where you can often redeem points for 2 cents of value or more. My wife and I often use our Chase points to book flights to Hawaii with British Airways miles, which usually gets a redemption value of 2-2.5 cents per point. When you use this method, round trip flights cost 25,000 miles and are often priced at $500 or more.

 

Primary vs Secondary Chase Ultimate Rewards Cards

 Travel Portal ValuePrimary or SecondaryTransfer Partners Available?
Chase Sapphire Preferred1.25 cents per pointPrimaryYes
Ink Business Preferred1.25 cents per pointPrimaryYes
Sapphire Reserve1.5 cents per pointPrimaryYes
Chase Freedom1 cent per pointSecondaryOnly by transferring points to a primary card
Freedom Unlimited1 cent per pointSecondaryOnly by transferring points to a primary card
Ink Business Cash1 cent per pointSecondaryOnly by transferring points to a primary card
Ink Business Unlimited1 cent per pointSecondaryOnly by transferring points to a primary card

 

Decision Time: Which Chase Ink Card Should You Get?

If you were thinking about applying for the Chase Ink Plus card before you found out that it no longer exists, definitely consider the new Ink cards. If you’re simply looking for the best introductory offer, the Chase Ink Business Preferred is the best. When it comes to rewards, the Ink Business Cash is a great option with multiple 5X categories. Or, if simplicity is your thing, the Ink Business Unlimited and it’s 1.5X rewards on all purchases will fit the bill perfectly.

 

Pairing Multiple Chase Ink Cards

If you want the best of both worlds, you might want to consider pairing two of the above cards. I actually have and use all three cards for my business expenses. I never earn just 1 point per dollar on any purchase because of it.

 

 Ink Bus. Preferred
Ink Business Cash
Ink Bus. Unlimited
Signup Bonus80,000$500 (50,000 pts)$500 (50,000 pts)
Bonus Spending Categories3X on travel, shipping, internet, cable, phone, and online ads5X on office supply stores, phone, internet, and cable, 2X on gas and dining.1.5X on all purchases
Annual Fee$95$0$0
Extra PerksCell phone protection
Primary Car Rental Insurance
Travel Insurances
Strong 5X Rewards CategoriesPurchase protection, extended warranty, free employee cards
Best for People Who...Want a huge introductory bonus

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

Want simplicity in earning through spend
Learn More >>Learn More >>Learn More >>
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Chase Ink Plus
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