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Here Are the 6 Chase Credit Cards I Now Have – Scott, Managing Editor MMS (And Exactly How I Use Each One)

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    I’ve had amazing travel experiences by earning and burning points with Chase credit cards.  In January 2019, I’ll be starting my 6th year here at Million Mile Secrets!  And I was a hobbyist like you before that.  Here I’ll show you every Chase credit card currently in my toolkit and exactly how I use each.  First, the list:

    The information for the IHG® Rewards Club Premier Credit Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer

    Then there’s the 7th Chase credit card.  Next I want to add the Ink Business Preferred℠ Credit Card to my collection because I’d earn more Chase points faster…

    Now I’ll go into more detail about exactly how I use each of these Chase credit cards.
    You Can Flip Points From Chase Credit Cards Into Business Class Flights — Just Like I Did Here.  I’m Stretching Out in My Reclining Seat/Bed With Name-Brand Liquor on Lufthansa Airlines on the Way Home From Europe

    Best Chase Credit Cards for My Travel Style

    What’s the point of all this credit card craziness?  Freedom to fly and stay wherever I want, whenever I want!

    Some of my favorite uses of Chase Ultimate Rewards points have been:

    Using Chase Credit Cards I Booked a Free Stay at Hyatt Zilara Cancun — the View From My Hammock
    With Chase Ultimate Rewards Points I Got to See the Eiffel Tower, Canals of Amsterdam, and Eat Inside the Atomium in Brussels

    Now I’ll explain how I use each Chase credit card.

    1. Chase Sapphire Preferred

    How I Personally Use the Chase Sapphire Preferred® Card…

    When outside the US:

    When in the US:

    Earning 2X Chase Points on Fruity Liquor Drinks and Fresh Food on the Polish Seaside With My Chase Sapphire Preferred

    What I do with these Chase Ultimate Rewards points:

    You may do it differently, but I most often transfer my Chase Ultimate Rewards points to

    Should You Get the Chase Sapphire Preferred® Card?

    Everyone on the Million Mile Secrets team has either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®. 

    These Chase credit cards are vital to our free travel strategies.  Whether you get one or the other is just a matter of how comfortable you are with the annual fee on each.  My suggestion: if you’re not sure how much you’ll actually travel or you’re pretty new to the hobby, get yourself the Chase Sapphire Preferred® Card.  Because the annual fee is $0 in year 1 with the card.  And you can always ask Chase to “upgrade it” to the ultra-premium Chase Sapphire Reserve® later on.  Chase doesn’t let you have both.  Chase Sapphire Preferred intro bonus: 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.  Best case you’ll get $1,250+ worth of travel by using these points, possibly more.  Absolute worst case: $500 cash back.  You really can’t go wrong here.  After you get your card, come back to Million Mile Secrets and we’ll show you all our tips and tricks to use these Chase points.

    2. Chase Ink Business Cash

    How I Use the Ink Business Cash℠ Credit Card…

    I only carry it in the US because it has ridiculous foreign transaction fees on it.  But when home, I put most of my small business expenses on it.  I charge my cell phone, internet, and cable TV bills on it for the 5X Chase Ultimate Rewards points I earn per $1.

    Note: You earn 5X points up to the maximum $25,000 spent on combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary.

    When I need home office stuff I use my Ink Business Cash℠ Credit Card for not only the bonus points but for the extended warranty protection.

    Restaurants (and bars that code as restaurants, which is most of them): Earn 2X Chase Ultimate Rewards points on the first $25,000 spent on combined purchases at gas stations and restaurants each account anniversary.

    What I do with these Chase Ultimate Rewards points:

    I move them all to my Chase Sapphire Preferred® Card.  Because it’s the Chase Sapphire Preferred® Card that allows you to move your points to United, Hyatt, Southwest, Singapore Airlines, etc. and to book flights and hotels at a discount.

    This Summertime Trip to Europe Was Made Possible With 3 Simple Steps. 1 – Collect Points With Ink Cash, 2 – Move Those Points to Chase Sapphire Preferred, 3 – Transfer Those Chase Points to the United Airlines Loyalty Program for Free Flights

    Should You Get the Ink Business Cash℠ Credit Card?

    There’s no annual fee.  So if the categories appeal to you, go for it.  I was approved for mine by applying with my social security number for my for-profit small business.

    Ink Business Cash sign-up bonus: 50,000 Chase Ultimate Rewards points (worth $500 cash back) after spending $3,000 in purchases within the first 3 months of opening your account.  Again, for me, I don’t use it for cash.  I move the Chase points to my Chase Sapphire Preferred so I can get way more value than the cash.

    3. Ink Business Unlimited℠ Credit Card

    How I use the Ink Business Unlimited℠ Credit Card

    For many other business expenses that aren’t covered by my Ink Cash, I’ll use my Ink Business Unlimited℠ Credit Card.  Because you get an unlimited 1.5% cash back on every purchase.

    What I do with these Chase Ultimate Rewards points:

    I move them all to my Chase Sapphire Preferred® Card.  You may be sensing a theme.

    Ink Business Unlimited℠ Credit Card has no annual fee.

    4. The World Of Hyatt Credit Card

    How I Personally Use the World Of Hyatt Credit Card

    I have the older version of this card.  I use it for paid Hyatt stays.  Um, that’s about it.  I keep it and pay the annual fee because you get a free night every year after your card membership anniversary.

    The newer World Of Hyatt Credit Card version gives you a few more incentives to use it at more places.  And it makes sense for folks who do NOT have the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®.  But you’ll find those cards give you a better bonus than the Hyatt card for most expenses.  Especially because you can turn the Chase Ultimate Rewards points you earn on those cards into Hyatt points anyhow.

    Should You Get It?

    If you already have either the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® and you like Hyatt, I recommend it.

    5. IHG® Rewards Club Premier Credit Card

    How I Personally Use the IHG® Rewards Club Premier Credit Card

    I only use it for paid stays at IHG hotels.  I keep paying the annual fee because of the free night after each account anniversary year at eligible IHG hotels worldwide.

    I had a couple of free hotel stays with IHG points recently that I really enjoyed:

    I’m also a big fan of IHG Staybridge Suites because of the big suites, in-room kitchen, happy hour, free breakfast, and gym.

    View From My Room at the IHG Intercontinental Warsaw

    Should You Get It?

    If you already have either the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® and you like IHG brands like Crowne Plaza, Candlewood Suites, etc. then go for it.  IHG has ~ 5,000 hotels in ~100 countries so it’s easy to use your points pretty much wherever you travel.

    6. Chase Freedom

    How I Personally Use It

    I mostly use Freedom when they have 5X points categories.  Occasionally I use it for other purchases.

    What I do with these Chase Ultimate Rewards points:

    I push them over to my Chase Sapphire Preferred® Card so I can flip them into free flights and hotel stays.

    Cash Back Is Cool and All. But I’ll Take This Business Class Bed Instead by Moving Freedom Points Over to My Chase Sapphire Preferred

    7. Ink Business Preferred℠ Credit Card

    I don’t have this Chase credit card.  But I want it next.  I admit it, the sign-up bonus is just too good to pass up:  80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.

    Whoa.  That’s easily a

    well, you get the idea.  The world is yours with Chase Ultimate Rewards points.

    On the Million Mile Secrets team here, Keith, Meghan, Jasmin, and Emily have this card.

    How I’ll Use the Chase Ink Business Preferred℠ Credit Card

    For everyday spending I’ll be hitting up the 3x bonus categories:

    I’ll skip internet, cable, phone and continue to use my Chase Ink Business Cash for those.  Although… the Ink Business Preferred℠ Credit Card has cell phone insurance ($600 in cell phone insurance when you pay your cell phone bill with the card).

    Bottom Line

    I’m thirsty for the Ink Business Preferred℠ Credit Card because it’s simply the best business credit card and has an outstanding sign-up bonus.  I want to add it to my Chase credit card collection of:

    Tell me which Chase credit cards you have or want next.

    Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)