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Adding all 3 Chase Ink business cards to my wallet earned me 180,000 Chase Ultimate Rewards Points (worth at least $2,250 in travel)

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Adding all 3 Chase Ink business cards to my wallet earned me 180,000 Chase Ultimate Rewards Points (worth at least $2,250 in travel)

Meghan HunterAdding all 3 Chase Ink business cards to my wallet earned me 180,000 Chase Ultimate Rewards Points (worth at least $2,250 in travel)Million Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

The Ink Business Preferred℠ Credit Card, no-annual-fee Ink Business Cash℠ Credit Card, and no-annual-fee Ink Business Unlimited℠ Credit Card all rank high on our list of top rewards credit card offers. These cards earn flexible Chase Ultimate Rewards points, which are the most useful type of transferable credit cards points. I used these points to get tens of thousands of dollars worth of travel to New Zealand.

Applying for all three Chase small business cards gave me an opportunity to earn 180,000 Chase Ultimate Rewards points (the total of all three sign-up bonuses). These points are worth at least $2,250 in airfare, hotels, and rental cars if you move points to your Ink Business Preferred card and book through the Chase travel portal.

The same amount of points can be worth much more if you transfer points to Chase airline and hotel partners. For example, transferring 180,000 Chase Ultimate Rewards points to Hyatt can get you six free nights at top-tier luxurious hotels, like the Park Hyatt New York and Park Hyatt Tokyo, where room nights can cost $1,000+ if you pay cash.

Adding all three Chase Ink Cards to my wallet helped me earn super lucrative sign-up bonuses – enough points for multi-night stays at high-end hotels around the world. (Photo by f11photo/Shutterstock)

Tips for getting all three Chase Ink Business cards

The three Chase Ink small business cards are considered different card products. This means you’re eligible to earn the sign-up bonus on each card. The only application restriction is the Chase 5/24 rule, where Chase will not approve you for most of their cards if you’ve opened five or more cards from any bank (not counting certain business credit cards) in the past 24 months.

I wouldn’t recommend applying for all three Chase Ink business cards at the same time. I was approved for the three cards over a period of 12+ months. Also, spreading out the applications made it easier to meet the minimum spending requirements on each card.

Qualify for Chase small business credit cards

Million Mile Secrets team member Joseph recently shared how lucrative offers on business cards like the Ink Business Preferred are inspiring him to start a small business. Most folks don’t realize you can qualify for a business card with any for-profit venture. There’s no minimum business income required to get a business card, which means you don’t have to own a multi-million dollar corporation.

You can apply for business credit cards as a sole proprietor using just your Social Security number on the application. That’s how I apply for business cards, and I currently have seven small business cards in my wallet. Be sure to check out our guide to completing a Chase business card application here.

Find Out Which Is The Best Business Credit Card
You can apply for a business credit card by using your social security number. That’s what I use and I have seven business cards. (Photo by fstop123/iStock)

Besides earning multiple sign-up bonuses, having all three Chase Ink business cards gets me access to multiple bonus spending categories and other perks. This makes it easy to quickly boost my balance of Chase Ultimate Rewards points.

For example, I use the Ink Business Preferred to earn 3X Chase Ultimate Rewards points on travel and shipping purchases (on the first $150,000 in combined purchases each account anniversary), and paying my cell phone bill with this card means I get $600 in cell phone insurance. I’ve successfully used this perk twice in the past.

I use the Ink Business Cash card to earn 5% cash back (5X Chase Ultimate Rewards points) on purchases at office supply stores and to pay my internet bill (only on the first $25,000 in combined purchases each account anniversary). And I use the Ink Business Unlimited to pay for any business purchase that doesn’t fall into a bonus category. With this card, you earn unlimited 1.5% cash back (1.5X Chase Ultimate Rewards points) on all purchases.

Chase Ink Card offers

Here’s a summary of the current Chase Ink business card offers and a link to our reviews.

CardSign-up bonus & minimum spending requirementsOur review
Ink Business Preferred℠ Credit Card
80,000 Chase Ultimate Rewards points after spending $5,000 on purchases within the first 3 months of opening your accountRead why this is the top card pick for small business owners
Ink Business Unlimited℠ Credit Card$500 bonus (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases within the first 3 months of opening your accountReview of the Ink Business Unlimited
Ink Business Cash℠ Credit Card$500 bonus (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases within the first 3 months of opening your accountReview of the Ink Business Cash

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

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! :)

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Hey there!

I want to apply for three Chase Business cards namely Chase Ink cash,Ink preferred and Ink Business Unlimited over a period of 12 months.

My question is will I get sign up bonus from all three?

Thank you!

I’m interested in applying for all 3 INK cards. My 5/24 status is currently at 4/24 (not including my chase & Amex business cards). According to my current status, am I eligible to be approved for the 3 INK cards? I plan to apply for each of the 3 INK cards over the next 9 months.

According to your previous posts, You have stated that Chase and other banks WILL approve you for their business cards because they don’t apprear on your personal credit history.

Can you please confirm or clarify if my understanding is correct?

Hi DJ – it’s never a guarantee that a bank will approve you for any cards (personal or business). However, we’ve written about the fact that many small business cards do NOT appear on your personal credit report. And that’s good news if you plan to apply for personal cards with banks that have card limits, like Chase. Here’s a post with more information:

https://millionmilesecrets.com/guides/chase-5-24-rule-2/

I sell online but have no way of spending $5k on expenses that would qualify as ‘business’ for the minimum spend.

Hi John – it depends on your business, but sometimes there are strategies you can use to help meet spending. For example, some team members prepay business income taxes with a credit card. You might have to pay a small convenience fee, but it could be worth it in order to unlock a valuable bonus. Also, we have a post with a list of ways that might help you meet minimum spending requirements:

https://millionmilesecrets.com/guides/how-to-meet-credit-card-minimum-spend/