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Folks on the Million Mile Secrets team love earning valuable Chase Ultimate Rewards points. These flexible rewards give you PLENTY of redemption options, including the ability to get easy cash back or save on travel.
There are several Chase Ultimate Rewards point earning credit cards. We love them all. But I think the Chase Ink business cards are extra special. Lucrative sign-up bonuses and excellent ongoing bonus spending categories are just a couple of reasons why.
For example, the Ink Business Preferred Credit Card has the largest sign-up bonus among any of cards earning Chase Ultimate Rewards points. And the Ink Business Cash Credit Card and Ink Business Unlimited Credit Card have extremely valuable offers AND no annual fee!
So it’s no surprise nearly all of our team (7 of us) carry at least one Chase Ink business card. And while he doesn’t have one at the moment, team member Joseph recently shared why the Ink Business Preferred offer alone is an inspiration to start a business.
The Ink Business Preferred consistently ranks at the top of our list for best rewards credit cards. So it’s the first choice when I recommend a business card to friends and family. But all 3 offers are excellent, which is why I have each card in my wallet!
Qualify for Chase Small Business Credit Cards
Before I got started in the miles and points hobby, I had no idea how relatively easy it was to qualify for a small business credit card. As long as you have a for-profit venture (even a side hustle), chances are you’ll be eligible to take advantage of lucrative small business credit card offers.
For example, a few of us on the team resell items for a profit on sites like Amazon, eBay, and Etsy. One team member has a home building business. And in addition to selling items online, I also make money on the side taking drone photos and doing freelance consulting. I’ve helped friends and family get business cards who are Airbnb hosts, graphic designers, store owners, and much more!
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 7 small business cards in my wallet.
Be sure to check out our complete guide to completing a Chase business card application for more tips!
Which Chase Ink Card Offer Is Best for You?
Personally, I carry all 3 Chase Ink credit cards in my wallet. Between the 3, I only have to pay one annual fee and I get access to extremely useful bonus spending categories. So when I’m making a purchase, I can use the card that earns me the most rewards! This is how I quickly boost my points balance! And the 3 cards are considered different card products, which means you’re eligible to earn the sign-up bonus on each version of the Chase Ink!
It depends on your current card inventory, but if you can only choose one of the Chase Ink offers, I’d recommend the Ink Business Preferred. With this card, you have the ability to transfer points directly to Chase’s airline and hotel partners, including Hyatt, Southwest, Singapore Airlines, United Airlines, and many others! This gives you a lot of flexibility to use your points to save BIG on travel!
Here’s a review of the 3 Chase Ink card offers. Keep in mind, the Chase Ink cards are impacted by the Chase “5/24” rule. Chase will not approve you if you’ve opened 5 or more credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and these other business cards).
1. Ink Business Preferred
Apply Here: Ink Business Preferred Credit Card
Read our review of the Ink Business Preferred
When you open the Chase Ink Business Preferred card, you’ll earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening. I used the sign-up bonus to book a Business Class award flight to New Zealand. Paying cash for the same ticket would have cost more than $4,000!
With this card, you’ll also get:
- 3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
- 1X Chase Ultimate Rewards points on all other purchases
- Up to $600 in cell phone insurance when you pay your cell phone bill with the card
- 25% bonus when you redeem points through the Chase Ultimate Rewards travel portal
- Primary auto rental insurance (CDW) when renting for business purposes, plus purchase and extended warranty protection
The card has a $95 annual fee, which is NOT waived the first year. I wrote about how I’ve saved a ton of cash with the Ink Business Preferred’s cell phone insurance!
Remember, with this card, you can transfer points directly to Chase’s airline and hotel partners. And if you already have other Chase Ultimate Rewards cards, you can combine your points to get even more value!
2. Ink Business Unlimited
Apply Here: Ink Business Unlimited Credit Card
Read our review of the Ink Business Unlimited
With the Chase Ink Business Unlimited card, you’ll earn a $500 bonus (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases within the first 3 months of account opening. That’s an excellent bonus for a no-annual-fee credit card!
Plus, the Chase Ink Business Unlimited earns 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on every purchase! And there is no limit to the amount of rewards you can earn!
Normally, you can redeem the Chase Ultimate Rewards points you earn with the Chase Ink Business Unlimited card for 1 cent each as cash back or other rewards. But if you have other eligible Chase cards, you can move Chase Ultimate Rewards points between any 2 credit cards.
For example, you can move the Chase Ultimate Rewards points you earn with the Chase Ink Business Unlimited to the Chase Sapphire Preferred. Because both of those cards earn Chase Ultimate Rewards points. Then, you’ll have the ability to transfer points directly to airline or hotel partners.
The Ink Business Unlimited is a great option for folks who don’t want to bother with memorizing bonus spending categories. And having no annual fee makes the card very appealing!
3. Ink Business Cash
Apply Here: Ink Business Cash Credit Card
Read our review of the Ink Business Cash
Similar to the Ink Business Unlimited, you can redeem points linked to the Ink Business Cash for cash back or paid travel through the Chase Ultimate Rewards Travel Portal at a rate of 1 cent per point. So the bonus is worth $500 in cash or travel.
But if you combine your points with any of the below Chase Ultimate Rewards point earning credit cards, you can get significantly more value:
- Chase Sapphire Preferred Card: Points are worth 1.25 cents each, making the welcome bonus worth $625
- Chase Sapphire Reserve: Points are worth 1.5 cents each, making the welcome bonus worth $750
- Ink Business Preferred Credit Card: Points are worth 1.25 cents each, making the welcome bonus worth $625
And even better, if you move your points to one of the cards mentioned above, you’ll be able to transfer them to Chase’s excellent travel partners!
With the Ink Business Cash Credit Card, you’ll earn:
- 5% cash back (5X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year
- 2% cash back (2X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back (1X Chase Ultimate Rewards point per $1) on all other purchases
I use this card to pay my internet bill and shop at office supply stores because earning 5X Chase Ultimate Rewards (or 5% cash back) can really add up during the year!
Seven of us on the Million Mile Secrets team carry at least one version of the Chase Ink Business card. Personally, I have all 3 – Ink Business Preferred, Ink Business Cash, and Ink Business Unlimited. Between all 3 cards, I pay just one annual fee and get access to lots of awesome bonus spending categories.
The Chase Ink Business Preferred is consistently #1 on our list of best credit cards for travel. The card’s sign-up bonus is the largest among any of cards earning Chase Ultimate Rewards points. You can earn 80,000 Chase Ultimate Rewards points (worth $800 in cash back or $1,000 in travel) after meeting minimum spending requirements.
The Ink Business Cash and Ink Business Unlimited are extremely popular with readers because they have no annual fee! And the sign-up bonus on each card is worth $500 in cash back or much more if you combine points to another eligible Chase card!
Thinking of adding a Chase Ink business card to your wallet? Let us know which one in the comments below!