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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.
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.
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.
|Card||Sign-up bonus & minimum spending requirements||Our 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 account||Read 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 account||Review 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 account||Review of the Ink Business Cash|