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 welcome offers!
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 unlimited 1.5 percent cash back 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®, Chase Sapphire Reserve for Business℠ 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 5 percent cash back for the first $25,000 spent on internet, cable and phone services and at office supply stores, and 2 percent cash back 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®, Chase Sapphire Reserve for Business℠ 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 Preferred® Credit Card
TheInk Business Preferred® Credit Card has a great standard welcome offer! 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. All information about the Ink Business Premier® Credit Card has been collected independently by Let’s Travel Talk. The Ink Business Premier® Credit Card is no longer available through Let’s Travel Talk.
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 potentially earn the bonus on multiple Chase ink cards - just remember that it is best practice to space your applications at least 90 days apart for these cards.
Chase now treats the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card as a single family for bonus eligibility — meaning if you've earned a welcome bonus on one, you may not be eligible for the bonus on the other using the same business. If you're applying for the first time, I recommend applying as a sole proprietor.
However, if you own multiple businesses, there may be a path to earning both bonuses or another bonus on the same card. Data points are showing the best chances of approval for a second card come from applying with a separate business that has an LLC and EIN number.
*Even without an LLC, you ARE eligible for both an Ink Business Preferred® Credit Card welcome bonus AND a welcome bonus on a no annual fee Ink card, AND you can hold both at the same time.The high 20,000 point referral bonus, but the referrer will only get a referral bonus if the friend is a new Chase Business card customer. 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 a new Chase business account users uses your referral link to open a Chase Ink Business Unlimited card, you will still earn referral points! (again, only if the person you refer is new to Chase Business. Just be sure to check the referral offer when you generate your link, as sometimes the offer is different from the public offer.
Note: In order to get the most value out of your Chase points, you or your spouse needs a card that allows you to transfer your points! (The Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Chase Sapphire Reserve® for Business, or Chase Ink Business Preferred® Credit Card) Move your points to one of these cards to transfer them to partners.
All of these cards transfer to partners at a 1:1 ratio except for Hyatt. For Hyatt specifically: the Chase Sapphire Reserve® and Reserve for Business transfer at 1:1, while the Sapphire Preferred and Ink Business Preferred transfer at a 4:3 ratio. You can move your points earned from the Chase Sapphire Preferred or any other card that earns Chase points to a Reserve and then transfer the points to Hyatt at a 1:1 ratio from there!
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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The Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card just hit their highest-ever welcome offers — and neither one has an annual fee. Here's everything you need to know, including how to turn that cash back into travel that's worth way more than $1,000.