Ultimate Guide to Chase Ink Business Credit Cards
One of my favorite strategies when it comes to award travel are the Chase Ink Business credit cards! There are four credit cards in this family of cards and since they are all business cards, they do not count against your Chase 5/24! These cards are truly game changers for points and miles enthusiasts as you can rack up a ton of Chase Ultimate Reward points by earning these sign up bonuses!
Keep reading to learn more about these credit cards!
Ink Business Unlimited® Credit Card
The Chase Ink Business Unlimited® Credit Card has a great offer and has no annual fee! It earns you an unlimited 1.5x points on every $1 that you spend. This card is advertised as a cash back credit card, but you actually earn points! You can move your points earned on this card to a transferable card like the the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or the Chase Ink Business Preferred® Credit Card and then transfer your points to transfer partners like Hyatt, Marriott, Southwest, United and more!
Ink Business Cash® Credit Card
The Chase Ink Business Cash® has no annual fee and earns 5x points for the first $25,000 spent on internet, cable and phone services and at office supply stores, and 2x points for the for the first 25,000 spent at gas stations and restaurants.
This card is advertised as a cash back credit card, but you actually earn points! You can move your points earned on this card to a transferable card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or the Chase Ink Business Preferred® Credit Card and then transfer your points to transfer partners like Hyatt, Marriott, Southwest, United and more!
Chase Ink Business Preferred® Credit Card
The Chase Ink Preferred® Credit Card has an offer of 90,000 points worth at least $1,500 in travel when you spend $8,000 in 3 months. It has $95 annual fee and will earn 3x on travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year). This card allows you to transfer you Chase Ultimate Reward points to transfer partners!
Chase Ink Business Premier® Credit Card
The fourth card is the Chase Ink Business Premier® Credit Card. I usually don’t recommend this card because the card does not earn Chase Ultimate Reward points, it solely earns cash back. It has an annual fee of $195 and 2% back on every purchase, plus 2.5% total back on every purchase of $5,000 or more.
My Favorite Perks of Ink Credit Cards
You can hold all of them at the same time! (Just remember that it is best practice to space your applications at least 90 days apart for these cards.)
The high 20,000 point referral bonus you will receive if someone uses your referral link. Your Chase Ink referral link works for ANY of the Chase Ink Business credit cards. For example, if you have a Chase Ink Business Cash card and someone uses your referral link and gets a Chase Ink Business Unlimited card, you will still earn referral points! If you have a spouse or travel partner that you can refer, you can earn hundreds of thousands of points by referring each other back and forth to these cards! Just be sure to check the referral offer when you generate your link, as sometimes the offer is different from the public offer.
PLEASE NOTE: You or your spouse/travel partner must have a Chase Sapphire Preferred, Chase Sapphire Reserve, or a Chase Ink Business Preferred in order to transfer your Chase Ultimate Rewards points to a Chase transfer partner. I highly recommend having one of these cards as transferring your points allows you to get more value out of your points!
Are you wondering if you are eligible for these offers?
You probably are! Any small side hustle will qualify you, even something as small as selling things on Facebook Marketplace. Click here to determine your eligibility and you can be on your way to earning hundreds of thousands of Chase points!
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