Which Chase Ink Business card should you get? (2026)
Chase's Ink Business line has four cards — the Chase Ink Business Preferred, Chase Ink Business Unlimited, Chase Ink Business Cash, and the Chase Ink Business Premier charge card. They share the same Chase Business underwriting (personal credit, 5/24, a business checking relationship helps) but differ on bonus, annual fee and rewards. Here's how they compare and what it takes to get approved.
Chase Ink Business compared: Preferred vs Unlimited vs Cash
| Card | Annual fee | Welcome bonus | Rewards focus | Score |
|---|---|---|---|---|
| Chase Ink Business Preferred | $95 | 90,000 pts / $8k in 3 mo | Business Travel | 670+ |
| Chase Ink Business Unlimited | $0 | $750 / $6k in 3 mo | Business Cash Back | 660+ |
| Chase Ink Business Cash | $0 | $750 / $6k in 3 mo | Business Cash Back | 660+ |
| Chase Ink Business Premier | $195 | $1,000 / $10k in 3 mo | Business Travel | 700+ |
Bonus, fee and category details from our card catalog. Credit limits are per card — each card page carries its range and what applicants actually got.
Credit score needed for a Chase Ink Business card
Chase business cards are underwritten on your personal credit. The no-annual-fee Chase Ink Business Unlimited and Chase Ink Business Cash generally look for 660+, the Chase Ink Business Preferred leans a bit higher at 670+, and the Chase Ink Business Premier charge card at 700+. In our reported Chase Ink Business Preferred approvals the median FICO was around 752 (700–810 range).
Chase Business approval requirements
- Credit pulled on
- Your personal credit (EIN or SSN as sole proprietor)
- Typical credit score
- 660+ (Preferred 670+, Premier 700+)
- Credit history
- at least 12 months
- 5/24 rule
- Generally need to be under 5/24 to be approved; Ink cards don't add to your 5/24 count
- Business checking
- A Chase Business checking relationship noticeably helps
- Reconsideration
- 1-800-453-9719 (24/7)
Chase Ink Business approval odds
We track 13 reported Chase Ink Business Preferred applications, of which 77% were approved. The Ink Business Preferred credit limit and credit score page carries the full breakdown with real scores and limits. For the Chase Ink Business Unlimited, Chase Ink Business Cash and Chase Ink Business Premier we don't yet have enough reported approvals to publish a rate — so we won't invent one.
Where to go next
- Ink Business Preferred credit limit and credit score → — the one Ink card we have real approval data for.
- Ink Business Unlimited APR and welcome bonus → — $0 annual fee, 0% for 12 months intro APR.
- Ink Business Cash credit limit and credit score → — $0 annual fee, business cash back.
- Chase Ink Business Premier — $195 annual fee, charge card with no preset limit. No page here yet.
What happened to the Chase Ink Bold?
The Chase Ink Bold is discontinued — Chase no longer accepts new applications for it, and there is no current offer, credit score requirement or credit limit to quote for it. It was a charge card, so it had no preset spending limit while it was open.
The line it belonged to is now the Chase Ink Business Preferred, Chase Ink Business Unlimited, Chase Ink Business Cash and Chase Ink Business Premier — compared above. The closest replacements:
- Want the charge-card behaviour (no preset limit)? That's the Chase Ink Business Premier — $195 annual fee.
- Want points on travel with a normal credit limit? The Chase Ink Business Preferred — $95, and the one Ink card we have real approval data for.
- Want no annual fee? The Chase Ink Business Unlimited or Chase Ink Business Cash — both $0.
Chase Ink Business — FAQ
What credit score do you need for a Chase Ink Business card?
Chase generally looks for a good-to-excellent personal credit score — roughly 660+ for the no-annual-fee Ink Unlimited and Ink Cash, 670+ for the Ink Business Preferred, and 700+ for the Ink Business Premier. Business cards are approved on your personal credit, so a stronger score, low utilization and few recent inquiries all help.
Do Chase Ink Business cards count toward 5/24?
You generally need to be under Chase's 5/24 (fewer than five new personal cards in 24 months) to be approved, but Chase business cards do not add to your 5/24 count once approved — they don't report to your personal credit as new accounts.
What are the requirements for Chase Ink Business cards?
A registered business (an EIN or your SSN as a sole proprietor), a personal credit score around 660–670+, at least 12 months of credit history, low utilization, and being under 5/24. A Chase business checking relationship noticeably helps approval.
Is the Chase Ink Bold still available?
No — the Chase Ink Bold is discontinued and Chase no longer accepts new applications for it, so there's no current credit score requirement, offer or credit limit for it. It was a charge card with no preset spending limit. The current Ink Business line is the Ink Business Preferred, Ink Business Unlimited, Ink Business Cash and the Ink Business Premier charge card.
What are the approval odds for Chase Ink Business cards?
For the Ink Business Preferred we track 13 reported applications, 77% approved. We don't yet have enough reported approvals for the Ink Unlimited, Ink Cash or Ink Premier to publish a rate — run your profile in the predictor for a personal estimate.
Will you be approved for a Chase Ink Business card?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitSee approval statistics across all cards — approval rates and starting limits by FICO band →
Approval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.