Are you looking for a credit card for your new small business? After researching a variety of cards on the market, Chase’s Ink line of credit cards comes out on top.

The major credit card issuers – Chase, American Express, Citi, Capital One, and Discover – all have business credit cards, but when compared to Chase’s Ink line, they all fall short in some way. The Ink line are all Visas, which means they have the largest acceptance rate. We can then immediately write off the American Express and Discover credit cards because their acceptance rates by vendors are much lower than that of Visa’s.

Citi has a couple of business cards, but one is tied to American Airlines and the other has rotating categories of higher return rates. The points earned from the Ink cards can be redeemed towards flights for a wider variety of airlines, and the higher earning categories stay steady throughout the year.

Lastly, Capital One touts 2% cash back on all purchases with its Spark Cash (with a $59 annual fee) or an effective 1.5% cash back on all purchases (no annual fee) with its Spark Cash Select. With the Ink line of credit cards, if you earn and redeem the points correctly, you can get return rates significantly higher than this.

Chase Ink line best for business

The Chase Ink line of credit cards come in three flavors – Ink Cash, Ink Classic, and Ink Plus. They also have a charge card in this line, the Ink Bold. Remember, a charge card has to be paid off in full every month, otherwise you’ll incur significant fees. You’ll only reap the rewards of the credit cards if you pay them off in full every month as well – the golden rule! Otherwise the interest charges quickly outdo any earnings. The cards are all fairly similar, with slight tweaks with each “upgrade.” The details are outlined in the table below.

	Annual Fee	Sign Up Bonus	Ongoing Rewards Rate	Foreign Exchange Fee	Other Notables
Ink Cash	$0	$200 after spending $3000 in first 3 months	5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services 2% cash back on the first $25,000 spent annually at gas stations and restaurants 1% on all other purchases	3%	None
Ink Classic	$0	20,000 points after spending $3000 in the first 3 months	5 points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services 2 points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly through the hotel 1 point per dollar on all other spending	3%	None
Ink Plus	$95 Waived the first year	50,000 points after spending $5000 in the first 3 months	5 points per dollar on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services 2 points per dollar on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly through the hotel 1 point per dollar on all other spending	0%	20% bonus when points are redeemed through Chase’s Ultimate Rewards travel booking service 1:1 point transfer between participating frequent travel
Ink Bold (Charge Card)	$95 Waived the first year	50,000 points after spending $5000 in the first 3 months	5 points per dollar on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services 2 points per dollar on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly through the hotel 1 point per dollar on all other spending	0%	20% bonus when points are redeemed through Chase’s Ultimate Rewards travel booking service 1:1 point transfer between participating frequent travel programs Flexible spend limit No over limit fees Complimentary lounge access to over 350 VIP lounges worldwide (comparable $150 value)

For the Ink Cash and the Ink Classic, assuming you spend only in the higher earning categories, you can earn up to a 3.5% return on your spending. With the Ink Plus and the Ink Bold, you also earn 3.5% on your spending with the same stipulations. When you redeem those points through the Ultimate Rewards travel booking service, that becomes a 4.2% return on your spending! Another nice perk for the entire line of Ink cards, is that whereas a lot of other companies will charge you for extra employee cards, Chase will issue employee cards free of charge.

Chase has really set the bar for business credit cards. With the acceptance rates of Visa, sizable sign up bonuses, high ongoing rates of return, and the lack of foreign exchange fees for their higher end rewards cards, they’ve really outdone the competition. Spend and redeem wisely, and you could save yourself a good deal of money with these cards for your business.