The Best Chase Ink Alternatives

The Best Chase Ink Alternatives

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The Chase Ink credit card family is a popular choice for small businesses who want to easily earn with every purchase and pay a low (or no) annual fee for the benefit. From cash to travel rewards, there is a little bit of something for everyone. What if you’ve been denied for a Chase card, or you want to expand your options outside of the Chase Bank universe? There are more than a couple solutions that can give you comparable benefits. Here are the best Chase Ink alternatives, each with a focus on value and buying power.

Discover it® Business Card

If you don’t already own a Discover business card, it’s worth considering. This card boasts some nice management perks, such as 50 free employee cards and no annual fee. In addition, you’ll enjoy:

  • Intro offer of an unlimited bonus match for your total cash back earnings from the first year. 
  • 1.5% cash back on every dollar spent on all purchases.
  • $0 annual fee

The Discover tools integrate seamlessly with popular accounting options, such as QuickBooks and Quicken, too. Using the Discover it® Business Card will simplify business spending and give you uncomplicated earnings that can be spent on just about anything. 

American Express® Blue Business Cash Card

Having a trusty Amex in your pocket is a solid move for business owners who want to round out their financial toolkit. This American Express® Blue Business Cash Card works as its name suggests; it’s a no-hassle card that earns with every purchase and makes it easy to redeem. The cash is automatically credited to your account with no further action required. Additional benefits include:

  • 0% on purchases for 12 months
  • $0 annual fee
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

Capital One® Spark® Miles for Business

Because one of the most popular Chase Ink business cards is their travel card, the Ink Business Preferred credit card, it makes sense to want to find a comparable option that gives you extra earning for your business globetrotting. The Capital One® Spark® Miles for Business does just that and offers:

  • 2 Miles per $1 on every purchase, everywhere.
  • Earn up to 200,000 miles: Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months and 150,000 miles when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer
  • $100 credit for Global Entry or TSA Pre®
  • Annual fee of $0 intro for first year; $95 after that

Employee cards also earn you miles, making it simple to incorporate this card into your business routine and get those free flights you need to keep doing good work. 

U.S. Bank FlexPerks® Business Travel Rewards

Another travel card that seems to favor flexibility is the U.S. Bank FlexPerks® Business Travel Rewards. This card uses the FlexPoints earnings program to give you good value on your earnings, as well as:

  • Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
  • Earn 2X FlexPoints in the category where you spend the most each month—gas stations, office supply stores or airlines, plus on cellular providers.
  • Get a $25 reimbursement per roundtrip ticket for baggage fees, food, or a set upgrade
  • Annual fee of $0* Intro for first year; $55* thereafter

As you can see, the more you use this card, the cheaper is it to own it. Employee cards count toward earnings, and the $10 per card fee gets credited back in the instance you hit that $24,000 annual spending threshold. For U.S. Bank customers or those who want a flexible travel system, this is the card to consider. 

Southwest Rapid Rewards® Performance Business Credit Card

For cardholders who want to try something truly new, the Southwest Rapid Rewards® Performance Business Credit Card is worth checking out. This card has just recently launched, and it’s getting the attention of those loyal to the Southwest Airlines travel system – and those who just understand that their flights offer a great overall value. This card features:

  • Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • 3 points per $1 spent on Southwest® purchases.
  • Free inflight WiFi (paid as a credit)
  • Global Entry or TSA Pre® Fee Credit

Employee cards are free; use them to earn even more each year. For those who fly Southwest anyway, this is a particularly striking card offer, even with the $199 annual fee. 

Endless card options for every business owner

As you can see from the cards listed, today’s lenders are making their cards more specifically targeted to a set of values for each card line. If you like travel, you’ll find more than a few cards that fit the bill. If you’re a fan of no-hassle statement credits, there’s a card for that, too. When deciding which of these cards is right for you, consider more than just annual fees or variable interest rates. While these do play into what you’ll pay to own the card, your spending habits are more likely to determine if you get a good ROI for the price. It’s possible to earn 3-10x your fees with a card that’s perfectly-suited to the way you buy. 

If done well, you can use your card as a small business financing tool that not only gives you an extra 30 days to pay for vital operating expenses, it will pad your budget with perks that simplify bookkeeping and get you the extras you deserve.

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