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Huge welcome promotions are back for a pair of no-annual-fee travel rewards credit cards.
Ink Business Cash® Credit Card: Earn $900 bonus cashback (awarded as 90,000 bonus Chase Ultimate Rewards® points) after spending $6,000 on eligible purchases within three (3) months of being approved for card membership. (Learn here how to apply for this promotion.)
Ink Business Unlimited® Credit Card: Earn $900 bonus cashback (awarded as 90,000 bonus Chase Ultimate Rewards® points) after spending $6,000 on eligible purchases within three (3) months of being approved for card membership. (Learn here how to apply for this promotion.)
Those 90,000 bonus points can become even more valuable. As we keep reminding people, you can transfer points between Chase Ultimate Rewards® cards. Three of those cards offer increased redemption rates when purchasing travel through Chase:
- Chase Sapphire Reserve®: 1.5 cents per point
- Chase Sapphire Preferred® Card: 1.25 cents per point
- Ink Business Preferred® Credit Card: 1.25 cents per point
So, if you hold a Chase Sapphire Reserve®, you could transfer those 90,000 bonus points to your CSR — and then they’re potentially worth up to 135,000 points ($1,350 in travel).
These cards are subject to the infamous 5/24 rule — meaning that if you’ve been approved for five credit cards within the past 24 months, you probably will be automatically declined.
Card Features
The Ink Business Unlimited® Credit Card is pretty straightforward: earn unlimited 1.5% cash back (1.5X points) on every eligible purchase. So, assuming you meet the $6,000 minimum spending requirement, you’ll haul in 99,000 total points as part of the promotion. I have this card and use it occasionally for non-bonused category purchases.
The Ink Business Cash® Credit Card features all sorts of earning potential. (My wife and I have this for our small business.)
- Earn 5% cash back (5X points) on the first $25,000 spent in combined purchases each account anniversary year:
- at office supply stores
- on internet, cable, and phone services
- Earn 2% cash back (2X points) on the first $25,000 spent in combined purchases each account anniversary year at:
- gas stations
- restaurants
- Earn 1% cash back (1X points) on all other purchases
I really like the 5X earnings on internet, cable, and phone services. Getting five points per dollar spent on a cell phone bill is excellent. Same thing with my cable internet service. And it’s nice to get to 5X whenever I hit Office Max or Staples.
(Pro tip: join Payce and activate your offers each month. You may make a little additional cash!)
If you don’t yet hold the Ink Business Cash® Credit Card, I suggest you give it a good look — even if it’s for the 5X categories.
“Business Credit Cards?! I’m Out!”
In our experience, many people automatically tune out upon hearing the term “business credit card.”
I don’t have a small business! is the usual excuse.
That might be the case. But many people do have businesses — and don’t realize it.
“Selling stuff on eBay” is a classic example of a small business some people have on the side without even realizing it.
But there are a bunch of other examples:
- Driving for rideshare or delivery companies
- Babysitting
- Creating and selling arts and crafts
- Self-publishing books
- Selling goods on Offer Up, Posh Mark, etc.
Or something like that…there are plenty of examples. You don’t need an established corporation or employer identification number to apply. Your Social Security Number should work just fine.
Yes, you can be employed in a “real” job: a full-time, 9-5 gig (or something like that) — and have a legitimate side hustle that’s a small business.
If you discount small business credit cards simply because you assume you don’t have a business, there’s a strong chance you’ll miss out on hundreds of thousands — if not seven figures — worth of points and miles.
Time to Set Sail!
Two Chase small business credit cards feature their best-ever welcome offers. These are available only for a limited time, so take advantage of them!
Advertiser Disclosure: Frequent Floaters has partnered with CardRatings for our coverage of credit card products. FrequentFloaters and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities
Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
