Grab the Points for Your Next Vacay: Chase Business Ink Credit Cards
Editorial Disclosure – Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post..
Chase offers four cards in its suite of Ink Business cards. Today, we will review three of them.
The benefits of the Chase Ink Business Preferred® Credit Card are indeed exciting! It’s great to know that it earns the same Chase Ultimate Rewards points as the popular Sapphire cards and has a substantial bonus. Additionally, the fact that it’s a business card that doesn’t require owning a “traditional business” makes it a compelling option for many people.
Chase offers two $0 annual fee business cards, the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card. These cards are a huge part of my points and miles strategy. Here is everything you need to know to take advantage of these cards.
Also, if you are new to Chase Ultimate Rewards or applying for business cards with the smallest side hustles (we’re talking small, like selling your kid’s old clothes on FB Marketplace twice a year), read these two blog posts.
How to Apply for a Business Card as a Sole Proprietor
First, let’s go over the Chase Ink Business Cash® Credit Card
Chase Ink Business Cash® Credit Card Benefits
The Chase Ink Business Cash® Credit Card Benefits is one of my favorites for MANY reasons. Not only does this card have a great sign-up bonus, but it also has a $0 annual fee. Also, don’t let the word “business card” deter you from getting this card because chances are you have a small “business,” and you don’t even know it.
- Huge welcome bonus!
- Earns 5x points (on first $25k spent) at office supply stores, phone service, cable, and internet
Ink Business Unlimited® Credit Card Benefits
- Huge welcome bonus!
- 1.5 points per dollar spent
Benefits of Both Cards
Both the Chase Ink Business Cash® Credit Card and IInk Business Unlimited® Credit Card earn you the ever-valuable Chase Ultimate Rewards.
- Huge sign up bonuses
- Flexible Points (can transfer to Hyatt, Marriott, Southwest, United, and more)
- Does not take a 5/24 spot
- $0 annual fee
Great Sign-Up Bonus
The Chase Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card offer is a great way to fill your points bank with Ultimate Reward points. When paired with the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Chase Ink Business Preferred® Credit Card, you can take advantage of all the benefits Chase Ultimate Rewards offers.
Flexible Points
When used as Ultimate Reward points, there are 14 transfer partners for travel, including 11 airlines and three hotel programs.
Does NOT Take a 5/24 Spot
Many cards, business cards included, will take up a 5/24 spot. As long as you are 4/24 or under, you can apply for the Chase Ink Business Preferred® Credit Card, Chase Ink Business Cash® Credit Card, Ink Business Unlimited® Credit Card, or any of the other Chase Business Cards, and it does not count towards a spot in your 5/24. This benefit is great, considering Chase has this frustrating rule that only allows you to apply for five new lines of credit in 24 months. Business cards are an excellent strategy for maximizing your points and miles.
No Annual Fee!!!
You read that right! The Chase Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card are also favorites because they have a $0 annual fee—as if you needed another reason to be impressed!
Almost everyone can qualify for a business card!
A business can be any job that earns income. You are eligible if you have a business with employees and an LLC.
Also, if you have a small side job, you could still consider yourself a business!
Examples of side hustles that qualify.
- Photography
- Coaching
- Fitness instructor
- Babysitting
- Selling unused household items or children’s clothes/toys on Facebook Marketplace
- Tutoring
- Mowing a neighbor’s yard
- Selling beauty products
Your side hustle income can be as small as a few hundred dollars a year!
Knowing exactly how to complete credit card applications for business cards can be tricky the first time. Not to worry—I’ve got you covered.
Click here to read my post on completing a Business Card Application. I’ve included step-by-step directions for you to follow.
Summary
The Chase Ink Business Preferred® Credit Card is a fantasy option for those who want to take advantage of transfer partners.
There are many reasons the Chase Ink Business Cash® Credit Card is one you MUST have in your wallet. It’s hard to find a better offer with the high sign-up bonus, flexible points, not taking up a 5/24 spot, and a $0 annual fee.
P.S. If you find a better offer, please tell me immediately.
If you’ve already opened a Chase Ink Business Cash® Credit Card, it’s time to open an Ink Business Unlimited® Credit Card and earn that huge welcome bonus!
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
I found out about points and miles accidentally.
I was researching index funds and happened upon the points and miles community through creators who also post about budgets, financial independence, and investing.
Points and miles allowed those people to travel and work toward financial independence simultaneously.
Thank goodness I got started when I did. The past almost two years of travel have been something we will never forget.
Earning points and miles through credit cards is only a good choice if you have the financial discipline to use them, like cash/debit cards.
Since we started traveling with points and miles, we have had more money going into our investment and savings accounts than ever.
Now I'm excited to teach you!
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