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!
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!
“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?”
You can potentially have both! (I currently do!)
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.
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.
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.
“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!
YOU MIGHT ALSO LIKE:
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.