One of the Most Understated Credit Card Benefits For Small Business Owners – I’ve Earned 24,859 Points So Far!

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One of the Most Understated Credit Card Benefits For Small Business Owners – I’ve Earned 24,859 Points So Far!

EmilyOne of the Most Understated Credit Card Benefits For Small Business Owners – I’ve Earned 24,859 Points So Far!Million Mile Secrets Team

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Lots of people know the main benefits of getting the Ink Business Preferred℠ Credit Card, which is the highest Chase credit card offer at the moment.  But not a lot of people know that small business owners can use the Chase Ultimate Rewards shopping portal to rake in thousands of additional Chase Ultimate Rewards points.

I regularly shop through the Chase Ultimate Rewards shopping portal for items for my small businesses.  I’ve purchased printer paper, ink, and electronics.  All of my business purchases made through the Chase portal raked in another ~25,000 points for 2018 — that’s enough for at least 1 round trip flight on Southwest Airlines!

Small Business Owners Can Earn Lots of Additional Chase Ultimate Rewards Points For Shopping on the Chase Ultimate Rewards Shopping Portal

The #1 Credit Card for Small Businesses – Chase Ink Business Preferred

You can earn an intro bonus of 80,000 Chase Ultimate Rewards points after spending $5,000 on purchases in the first 3 months from opening the Ink Business Preferred Credit Card.  That’s worth at least $1,000 in travel when you redeem your points for flights, hotels, rental cars, and more through the Chase Ultimate Rewards Travel Portal. 

You can earn even more points by shopping for things for your small business on the Chase Ultimate Rewards shopping portal.  Many brand name stores have partnered with the Chase shopping portal.  Some retailers include:

  • 123 Inkjets
  • HP
  • Dell Small Business
  • Ace Hardware
  • Advance Auto Parts
  • Apple
  • Crutchfield
  • Canon

Sometimes these retailers come and go, but they are usually pretty steady.  I’ve purchased electronics and equipment through Crutchfield and Canon, earning me thousands of extra Chase Ultimate Rewards points!

Small Business Owners Can Rake In LOTS Of Extra Chase Points By Shopping Online!

With the Ink Business Preferred Credit Card, you’ll also earn 3X points per $1 spent  on travel, shipping, internet/phone/cable, and advertising on the first $150,000 spent in select categories each anniversary year.   And you’ll receive other valuable perks like cell phone insurance, car rental insurance, and many other travel and purchase protections!  I used the car rental insurance in Costa Rica and it saved me ~$130!

I’ve been a fan of the Chase Ultimate Rewards shopping portal for ages.  I’ve purchased lots of big-ticket items for me and my family, like new suitcases and strollers.

These points can add up fast, especially for businesses that spend a lot on things like office supplies, computers, etc.  For example, purchasing my stroller on the Chase Ultimate Rewards shopping portal earned me half the points needed for a 1-way flight!

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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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Some of the credit card companies which offer multiple points for flights, will accept only the larger airlines, and not budget airlines such as Ireland’s Ryanair. I found that out after the fact, by calling customer service and challenging the points given for the purchase, unsuccessfully.

Is there, or could there be, a table listing the cards which offer multiple points for flight purchases, and which airlines are and are not covered by each card?

On a side note, a recent payment of taxes on a flight purchased with Avios points on my Barclay Uber card revealed that Avios codes as a travel agency rather than as air travel, so I earned only one point per dollar instead of three. With this card I did earn 3 points on my Ryanair purchase as Ryanair codes as an airline. Are there any other points programs for air travel that do not code as air travel and therefore do not generate the extra points expected?

These subtle details are not laid out clearly in the terms and conditions of the credit card, in part because merchant coding varies and may change. However, in this hobby we need to have access to these details, in order to make the best possible decision on our purchases. I would hope that someone at MMS is creatively inspired by this comment, and will do the research to clarify these issues in a future post. Thank you so much!

Isn’t the car insurance on the card only valid on business related travel?