The Ink Business Preferred gives 100,000 points if you spend 8,000 dollars in 90 days. It costs 95 dollars a year.
The Ink Business Cash and Unlimited give 750 dollars cash back if you spend 6,000 dollars in 90 days. These have no annual fee.
The trap is the spending requirement. If you do not have those expenses already, you are just throwing money away to chase a bonus.
Chase is very strict with their 5/24 rule. If you opened too many personal credit cards in the last two years, they will turn you down immediately.
Do not expect the same value for your points for long. Starting October 1, 2026, the transfer rate to World of Hyatt drops to 4 points for every 3, which is a major nerf to the program.
These cards are fine for specific business supplies or travel, but only if you are already spending the money anyway.
If you are just looking for extra cash, the fees and the strict rules make it a headache for many small business owners.
Check your personal card history before you apply so you do not waste a hard pull on your credit report for nothing.