Nitra Visa Business Card vs. Chase INK Business Card

Nitra® is committed to helping practices thrive and the Visa business card tailored to their  specific needs is just the beginning. Our Nitra Visa business card addresses your medical practice financing needs for both new and existing practices. Apply and get started today.

Welcome to a side by side comparison of the Nitra Business Card and the Chase Ink business card by Chase. Both cards offer great benefits and perks, but which one is right for medical practices?

Finding a card that offers benefits and exclusive discounts for the supplies and equipment that dermatologists buy most frequently is especially significant because many dermatologists incur high expenditures on their cards. In order to ensure that your financial situation is as flawless as the skin on your patients, Nitra created the ideal business Card for dermatologists - powered by Visa.

Chase Ink
Amex Business Platinum
Cap One Spark
Annual Fee

$0

$0

$695

$150

Rewards Multipliers

Unlimited 1.5%

Unlimited 1.5%

5X on Amex Travel, 1.5X on Electronic Goods, Software & Cloud System Providers, US Construction materials and hardware supplies, & shipping (up to $2M of spend)

Unlimited 2%

Statement Credit Redemption Rate

1%

1%

0.6%

1%

Interest on Rewards

x

3% (Coming Soon)

x

x

Employee Cards

Free

Free

Addt'l $300/card

Free

Virtual Cards

x

Free

x

Free

Receipt Match/Auto Reconcile

x

x

x

Dynamic Spend Limits

x

x

x

Card lock/unlock

Accounting Integration

Medical Offers and Discounts

x

x

x

Partner offers and promotions

x

Lounge Access

x

x

Fraud Protection

Extended Warranty

Only the Nitra Business Card offers a Reward Multiplier on medical supplies that reaches up to 2.2% - the highest in the industry for medical supplies. With Nitra, you will always get 1.5% cashback rewards on all your purchases. and 2.2% on medical in the first three months!

The Chase Ink Business Card has a rewards program that offers a standard 2% cashback on all spend.  In contrast, Nitra allows you to earn 2.2% in the first 3 months where doctors like you spend most - medical supplies. Nitra offers unlimited 1.5% cashback rewards on all other spend.  While Capital One may seem to have higher rewards, Nitra's focus on healthcare means that doctors can get up to 3% unlimited on key suppliers like Betty Mills and Vitality Health. With more partners added all the time!

The Chase Ink Business Card has a rewards program that offers a standard 1.5% cashback on all spend.  Nitra also offers 1.5%, but you can also earn 2.2% in the first 3 months where doctors like you spend most - medical supplies. Nitra's focus on healthcare means that doctors can get up to 3% unlimited on key suppliers like Betty Mills and Vitality Health. With more partners added all the time!

Any points earned with the Chase Ink Business Card will sit static in your account until they are used.  They do not offer any interest!  The Nitra Business Card is planning to launch a new program that would allow you to put your points to work with an innovative solution called Rewards on Rewards.  You earn 3% interest on all the points in your account, much like a high-yield savings account.  

The Nitra Business Card does not charge for employee cards and gives you the ability to issue an unlimited number of virtual cards directly from your account dashboard. In contrast, the Chase Ink Business Card does not let you issue any virtual cards.  Instead, you need to call a central number to issue physical cards to any trusted employees. If you're looking for a card that gives you the flexibility and control to empower your employees to spend on behalf of the business, the Nitra Business Card is the way to go.

At Nitra, we believe that you should be empowered to shop for your essential business supplies wherever is most convenient for you.  That’s why The Nitra Business Card comes with a free annual membership for Amazon Business Prime and Costco Executive.  The  Chase Ink Business Card does not cover these costs.  So, if you're looking for a card that gives you access to these valuable marketplaces, the Nitra Business Card is the way to go.

The Nitra Business Card is built to help you manage your medical practice and save you time.  That is why we built our card program with a technology-first mindset.  Your staff won’t have to spend long hours manually reconciling receipts thanks to our Receipt Matching and Auto Reconciliation capabilities.  These allow card holders to upload receipts seamlessly via text or email, which are subsequently matched to the right transaction automatically in the platform.  You can also set spend limits on all physical and virtual cards so that you can proactively control how much can be charged by a vendor or spent by an employee - weekly, monthly, or annually. The Chase Ink Business Card from Chase  does not offer any of these features. 

At Nitra, our sole focus is delivering value to doctors and their practices.  That is why we have signed relevant and valuable partnerships with merchants that serve your vertical.  Our Medical Vendor Offers and Promotions include special discounts or additional cashback on medical supplies, access to exclusive deals on software, and even access to business services like Accounting at a discount. The Chase Ink Business Card from Chase  has a standard set of benefits they offer to all businesses - from coffee shops to retailers.  

All in all,  the Nitra Business Card is the better choice for those looking for a card built for doctors -  interested in no annual fee, maximizing their cash back, and more perks and benefits tailored to medical offices. 

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