Review: Chase Ink Classic Business

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The Chase Ink Classic Business card offers great rewards with no annual fee. But are you just getting what you pay for?

Business credit card users look for many of the same perks that personal credit card users do – like valuable rewards and low fees.

Previously, I reviewed the Ink Bold and Ink Plus business cards from Chase. These are high-end products that return great rewards but require a $95 annual fee. For smaller businesses, Chase offers its Ink Classic Business card that features many of the same rewards but with no annual fee.


  • Sign-up bonus: New applicants earn 25,000 points as a sign-up bonus.  Ten thousand points are earned after your first purchase, and an additional 15,000 bonus points are earned after spending $5,000 within the first three months of opening an account.
  • Bonus points from spending: Cardholders can earn 1 point per dollar spent on most purchases and double points for charges from gas stations and hotels. Five points per dollar are earned for charges at office supply stores and on cell phone, landline, Internet, and cable TV services. There is a $25,000 annual limit on each of the bonus categories.
  • Redeem reward points: Once earned, reward points are worth 1 cent each for merchandise awards, gift cards, or cash back.
  • Promotional financing offer: New cardholders receive 0 percent APR promotional financing on both new purchases and balance transfers for six months. There is a 3 percent balance transfer fee.
  • Fees: There is no annual fee for this card.


  • Smaller sign-up bonus: The Ink Bold and Ink Plus cards have a sign-up bonus of 50,000 points, twice that of the Ink Classic Business.
  • Limits on bonus points: The $25,000 annual limit on bonus categories sounds like a lot, but it could constrain a growing business.
  • Foreign transaction fees: Unlike the Ink Bold and Ink Plus cards, there is a 3 percent fee on all charges processed outside the U.S.

Bottom line

  • Get it if: You want great rewards and no annual fees.
  • Forget it if: Your business spends enough to justify the more feature-filled Ink Bold or Ink Plus cards.

Note: While we attempt to be completely objective when reporting on credit cards, this site may be compensated by issuers when a reader applies for a credit card through the links within credit card stories or on our credit card search page.

Stacy Johnson

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