My two favorite credit cards are the Chase Ink Business Unlimited® Credit Card and the Chase Ink Business Cash® Credit Card!

And the best part? Both of these cards come with no annual fee!

But here’s where it gets even better… the cash back can actually be used as Chase points! (and that’s where the REAL magic happens).

Here’s something a lot of people don’t realize: you don’t need a huge business to apply for a business card. You can qualify even with a small side hustle! -> Here’s how.

“What's the difference between the two cards?"

These cards are very similar - the biggest difference is how you earn rewards:

Ink Business Unlimited → Earn 1.5% back (1.5x points) on every purchase.

Ink Business Cash → Earn 5% cash back (5x points) on the first $25,000 per year at office supply stores and on internet, cable, and phone services; 2% cash back (2x points) on the first $25,000 per year at gas stations and restaurants; and 1% cash back (1x points) on everything else.

“How do I turn $750 cash back into 750,000 points?”

Even though these cards are marketed as cash back you actually earn Chase points! So:

1.5% cash back = 1.5x points
5% cash back = 5x points

That $900 bonus can be redeemed for cash OR (this is the magic ✨) you can move the 90,000 points to a transferrable Chase card like:

From there, you can transfer your points to travel partners like Hyatt, Southwest, United, Flying Blue, and more — often doubling or tripling the value of your points!

“What can I actually get for 75,000 Chase points?”

Here are some ideas:

3 free nights at the Hyatt Regency Maui (when you transfer your points to Hyatt)
3 one way economy flights to Europe (when you transfer your points to Flying Blue)
2-3 roundtrip flights to Hawaii on Southwest Airlines (when you transfer your points to Southwest)

👉🏼 Check out these guides for even more ideas:

“What if I already have the Ink Business Cash® Credit Card or Ink Business Preferred® Credit Card?”

No problem - you can have both! (I currently do!)

“Do I qualify for a business card?”

You most likely do! Read this article to see step-by-step how to apply for a business credit card if you don't have a full time business or LLC!

Why I LOVE these offers:

I truly LOVE both of these cards — the Chase Ink Business Unlimited® Credit Card and the Chase Ink Business Cash® Credit Card are two of my absolute favorites.

Both can earn valuable Chase points, both come with fantastic welcome offers, and both have no annual fee!

With 75,000 Chase points (worth at least $750, but often much more when used for travel) and no annual fee, these are cards I can confidently recommend to just about anyone!

As always, I appreciate it so much when you use my credit card affiliate links to apply for a new credit card! It supports my small business at no cost to you!

My 2 Favorite No Annual Fee Credit Cards!