| Rewards | 5× points per $1 on combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services (up to $50,000 per year). 2× points per $1 on gas stations and hotel stays (up to $50,000 per year). 1× point per $1 on all other purchases. |
|---|---|
| Signup Bonus | Earn 60,000 bonus points after spending $5,000 in the first 3 months from account opening — worth up to ~$750 toward travel when redeemed through Ultimate Rewards. |
| Annual Fee | $0 the first year, then $95 annually starting year two |
| Cardmember Agreement | View Here |
| Cash Advance APR | About ~25.24% variable on cash advances (higher than the standard purchase APR) |
| Cash Advance Fee | Either 5% of the amount of each cash advance or a minimum of $15, whichever is greater — standard for many Chase business cards. |
| Late Payment Fee | Up to about $39 maximum for a late payment. |
| Purchases APR | Approximately 15.49% – 19.49% variable on purchases after any introductory period (if applicable). |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Chase Ink Plus Business Credit Card is known for its generous tiered rewards on key business spending, including office supplies, phone, internet, and cable services, plus gas and hotel stays, paired with a $0 first-year annual fee ($95 thereafter). Most users say they love the high rewards rates and the 60,000-point signup bonus after spending $5,000 in three months, which can translate into significant value through Chase Ultimate Rewards. Many reviewers also praised the card’s flexibility in redeeming points for travel, gift cards, or cash back.
On the flip side, some cardholders mentioned that the annual fee after the first year can catch new owners off guard, and a few pointed out that the cash advance APR is very high compared with the purchase APR. Others noted that the rewards are best suited to businesses that spend heavily in the bonus categories; those with different spending patterns might not maximize the value.
Personally, I think this card is ideal for small-business owners who can leverage the bonus categories and redeem points strategically through Ultimate Rewards. It’s a solid choice if you’re looking to earn high rewards on typical business expenses, but casual or low-spending business owners might find newer Ink products more cost-effective.
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Excellent business rewards, worth the fee
This card is for all company expenses the generous bonus points and high earning rates on supplies and telecom made a noticeable difference my bottom line. The signup bonus was huge, and rewards redeem easily bonus was huge, and rewards redeem easily for travel or statement credit through ultimate rewards. Customer service is responsible and approval felt smooth with good credit.
