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Chase Ink Business Credit Cards

On the personal side of the Chase cards, we talk a lot about the Chase Trifecta.” Ā The premise is that you can have two or three of the Chase Sapphire and Freedom cards and combine all your points into your Reserve’s balance for maximum impact – earning up to 5 points per dollar in certain categories and then combining to spend inside of your Reserve account for a minimum 1.5 points per dollar in value (spend 10,000 points for $150 in airfare or hotel) meaning you can get up to 7.5% cash back.

But what about maximizing your return with the suite of Chase Ink Business credit cards?

This post will tell you which of the three Chase Business cards that earn their Ultimate Rewards currencies are best for you and how to combine them.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

The cards:

Card highlights:

Chase Ink Business Preferred Credit Card

  • 100,000 Ultimate Rewards points when you $15,000 spend in the first 3 months. This is worth a minimum of $1,250 of free travel.
  • $95 annual fee
  • 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines. Limit applies each account anniversary year.
  • Primary rental car insurance. (Rental must be for business purposes.)
  • Cell phone insurance (up to $600 after $100 deductible) when you pay your monthly phone bill with the card. This makes it the best card to pay a cell phone bill with!
  • Points can be spend on travel at a value of 1.25 cents per point OR transferred to airline and hotel programs. You need this card or one of the personal Sapphire cards to be able to transfer Ultimate Rewards to partners.

Chase Ink Business Cash Credit Card

  • Get 50,000 Ultimate Rewards bonus points when you spend $3,000 in the first 3 months with noĀ annual fee
  • Earn 5% cash back (in the form of points) on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on Internet, cable, and phone services.
  • Earn 2% cash back (in the form of points)Ā on the first $25,000 spent in combined purchases each account anniversary year at gas stations and in restaurants.

Chase Ink Business Unlimited

  • 50,000 Ultimate Rewards points when you spend $3,000 in the first 3 months with no annual fee
  • Earn a simple 1.5% cash back (in the form of Ultimate Rewards points) on everything.
  • No bonus categories, no math – just 1.5 points per dollar spent.

As you can see, we have three Ultimate Rewards points-earning cards with different earn rates in different categories. Let’s put aside the fact that if you got all three cards over time (keep in mind you can only get two Chase cards within 30 days and all three of these cards are subject to 5/24) you could earn 200,000 bonus points, worth from $2,500 or more, just from signup bonuses – for now.

Depending on what you or your business spend the most on, you will optimize your earnings by carrying two (or all three) of these cards.

Chase Ink Business Credit Card Strategy

It’s simple when you think about it.

The Ink Cash will give you 5x points on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on Internet, cable, and phone services. Ā So if you spend heavily on any of those categories, you probably want the Ink Cash. And then all of those expenses (except cell phone bills if you also have the Ink Preferred since that card offers free cell phone insurance) would go on this card. We’d also use the Ink Cash for gas and dining for 2x (up to $50,000). Also see:Ā Using the Chase Ink Business Cash credit card for 7.5% or more off of just about anything.

Then, we look to see if we spend a significant amount on travel, shipping, and ads on social sites and search engines (Google/Bing/Facebook/Instagram, etc) since we earnĀ 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. If we do, we definitely want the Chase Ink Business Preferred Credit Card and we will put all of those charges on the Ink Preferred.

Lastly, the Chase Ink Business Unlimited is perfect for any charges not in any bonus categories. You can still combine these points into your personal Chase Sapphire Reserve account where you are earning a minimum return of 2.25% (Math = 1.5 points per dollar spent and then redeem at a value of 1.5 cents per dollar). If you don’t have a Reserve, then you could combine these into your Chase Ink Preferred card account where you could spend at a rate of 1.25 cents per point or transfer to airlines or hotel partners.

YourBestCreditCards

Four major notes:

1) If you don’t have a Chase Sapphire Reserve or Chase Sapphire PreferredĀ card to transfer points to, you will need the Chase Ink Business Preferred in order to spend your points in the Chase Travel portal at 1.25 cents per point in value OR to transfer to airline and hotel partners. You cannot do so if you only have a Chase Ink Cash or Chase Ink Unlimited. You need at least one Chase card with an annual fee in order to have that option.

2) All three cards have great bonus offers of 50,000 to 100,000 Ultimate Rewards points.

3) You may be best served by having the Chase Ink Business PreferredĀ cardĀ and the Chase Ink Business Cash cards and skipping the Unlimited in favor of a card that earns a flat 2% cash back – like theĀ Capital OneĀ® SparkĀ® Miles for BusinessĀ (Learn more about this card). The Spark comes with a nice welcome bonus and earns a flat 2% in cash on everything. Ā 

All that said, if you want to put in the effort that many of us do, you *can* beat that 2% staying 100% within the Chase family, but it does take effort and you may want to simply earn your 2%, 3% and 5% in the Chase bonus categories and then for non-bonuses spend just stick it on a 2% cash back card. There would be absolutely no shame in earning a nice combo of points and cash – and never ever earning less than 2%.

4) There are other options as well! This post isn’t intended to tell you that all business spend should go on 1-3 Chase cards. By no means! You may want to spend on any number of Business Credit Cards. But if you are a fan of the Chase Ultimate Rewards program already – perhaps because you already have a Chase Sapphire Reserve or Chase Sapphire Preferred card for personal use – then this is an “optimal Chase strategy.” Ā You may find a better card based on your exact spending habit by using the rewards optimization tool at Your Best Credit Cards.

Frequently Asked Questions about Chase Ink cards

How much are Chase Ink points worth?

As part of the Chase Ultimate Rewards program, they are worth a minimum of one cent. However, if you have a Chase Ink Business Preferred or a Chase Sapphire Reserve or Sapphire Preferred, you redemption options increase via transfer partners and more redemption options. In that case, we value Chase Ultimate Rewards points at 1.75 cents each.

How can I open a Chase Ink card without a business?

Well, you do need to be doing business. But that doesn't mean you need a typical business structure. Self-employed counts, even part time. Read this guide: Do You Need a Business to Qualify and Apply for a Business Credit Card? to see how.

Are the Chase Ink cards a Visa or Mastercard?

They are all Visa branded cards, issued by Chase.

Do Chase Ink cards charge foreign transaction fees?

The Chase Ink Business Preferred (as well as the older Ink Plus and Ink Bold) do not charge foreign transaction fees. The Ink Unlimited and Ink Cash do charge foreign transaction fees.

Do Chase Ink cards report to business credit or personal credit?

When you apply for an Ink business credit card, Chase will do a hard pull on your personal credit to qualify you. However, once you have the card, it will not report to your personal credit file.

Can you downgrade a Chase Ink Preferred?

Yes, if you no longer wish to pay the annual fee, you can downgrade to a Chase Ink Cash or Chase Ink Unlimited which have no annual fee. Do this within 30 days of your card's annual fee being charged and they will credit it back to you.

How do I redeem my Chase Ink points?

See our Chase Ultimate Rewards points guide to see what your options are for redeeming your Ink's Ultimate Rewards points based on which cards you have.

Do Chase Ink points expire?

As long as you have an open card, no. If you are going to close a card, make sure you transfer your points to another Ultimate Rewards-earning Chase card. If you don't have any other Chase Ultimate Rewards cards and don't take this step, you'll forfeit your points.

How can I combine my Chase Ink points with my Sapphire?

You can combine your Ink points with your Sapphire points very easily and online. This guide walks you through it: How To Combine Chase Ultimate Rewards Points from Multiple Cards ā€“ and Why You Should

How to apply for a Chase Ink business card?

What credit score do I need for a Chase Ink card?

A credit score of 680-700 or better is likely to be the minimum credit score required.

Does this help? Or make it even more complicated for you?

Let me know here, on Twitter, or in theĀ privateĀ MilesTalk Facebook group.

New to all of this? My new ā€œintroduction to miles and pointsā€ book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available now.


I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.

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