The Must-Have Chase Business Card Trifecta

Filed Under: Chase, Credit Cards
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Credit card issuers have been increasingly focused on business cards the past few years, and as a result we’ve seen a lot of innovation in this space.

One of the things I love about Chase is how they create families of cards that can be used to complement one another and accrue the same points. I think there’s no better collection than Chase’s Ink Card portfolio, which includes the Ink Business Preferred℠ Credit Card (review), Ink Business Cash℠ Credit Card (review), and Ink Business Unlimited℠ Credit Card (review).

In this post, I wanted to look at several reasons you should consider picking up one — or ideally multiple — Ink Cards.  As a reminder, each of these cards are considered separate products (I have all three of these cards). Learn more about the process of applying for Chase business cards.

180K Bonus Points

On the most basic level, applying for these three cards can earn you a massive 180,000 Ultimate Rewards bonus points. I value Ultimate Rewards points at 1.7 cents each, so that’s like ~$3,060 in rewards, by my valuation. Specifically:

  • The Ink Business Preferred offers 80,000 points after spending $5,000 within three months
  • The Ink Business Cash offers 50,000 points after spending $3,000 within three months
  • The Ink Business Unlimited offers 50,000 points after spending $3,000 within three months

Transfer Ultimate Rewards points to Hyatt for great hotel stays

Three Cards With One Annual Fee

You can potentially get the trifecta of the Ink Business Preferred, Ink Business Cash, and Ink Business Unlimited, and pay just a single annual fee. That’s because the Ink Preferred has a $95 annual fee, while the two other cards have no annual fees.

Typically when there are a premium and no annual fee version of a card there’s no benefit to holding onto multiple types of the card, though that’s not the case here. There are very much benefits to having two or three of these cards.

An Unrivaled Combination Of Bonus Categories

Each of these cards individually offers industry-leading bonus categories, so if you have two or even all three of these cards, you’ll potentially be averaging over two points per dollar spent.

Here are the bonus categories offered by the cards:

  • The Ink Business Preferred offers 3x points on the first $150,000 of combined purchases per cardmember year on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines
  • The Ink Business Cash offers 5x points on the first $25,000 of combined purchases per cardmember year on office supply stores, internet, cable TV, mobile phones, and landlines, and 2x points on the first $25,000 of combined purchases per cardmember year on restaurants and gas stations
  • The Ink Business Unlimited offers 1.5x points on all purchases

You’ll be earning bonus points on everything from travel to shipping to advertising to office supply stores to restaurants to gas stations to internet, cable, and phone services, and more. For most small businesses, that should cover a lot of the most frequent spend categories.

Earn up to 3x points on travel purchases

Points With Lots Of Flexibility

There are some points currencies that can be tough to redeem, and that I recommend only getting involved with if you know exactly how to redeem them. The beauty of Ultimate Rewards points is how flexible the points are, regardless of what kind of a travel reward you’re looking for.

As long as you have either the Chase Sapphire Preferred® CardChase Sapphire Reserve®, or Ink Business Preferred, then you can transfer points earned on any of the Ink Cards at a 1:1 ratio to any of the following 13 travel partners:

AirlinesHotels
Aer Lingus Aer ClubIHG Rewards Club
Air France/KLM Flying BlueMarriott Bonvoy
British Airways Executive ClubWorld Of Hyatt
Emirates Skywards
Iberia Plus
JetBlue TrueBlue
Singapore KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club

On top of that, you can also redeem points for a minimum of 1.25 cents each (and potentially more, as I’ll cover below) towards the cost of a travel purchase, including paying for flights, hotels, car rentals, and more.

Redeem your points towards travel purchases

Get Even More Value In Conjunction With Your Sapphire Reserve

The Chase Sapphire Reserve (review) is one of the most popular premium credit cards, and it’s one that many people have. If you have the Ink Business Preferred, Ink Business Cash, or Ink Business Unlimited in conjunction with the Sapphire Reserve, then you can redeem each point for 1.5 cents towards the cost of a travel purchase, getting you even more value for your points.

For example, the Ink Unlimited offers 1.5x points per dollar spent, so that means for each dollar spent you’d earn 2.25 cents towards the cost of a travel purchase, which is fantastic for non-bonused spending.

Redeem points at a better rate towards hotel stays with the Sapphire Reserve

Great Car Rental Coverage

One benefit that people often look for in a credit card is auto rental CDW (collision damage waiver). This is useful if you’re renting a car, especially if you don’t otherwise have car insurance.

All three of these cards, including the two no annual fee versions, offer the same excellent car rental coverage. It’s incredibly rare for no annual fee cards to offer coverage like this.

Learn more about Ink Card car rental coverage.

Get valuable car rental coverage with Ink Cards

0% APR On Two No Annual Fee Cards

This isn’t for everyone, but for a small business that’s growing, 0% intro APR can be a great benefit. Both the Ink Business Cash and Ink Business Unlimited offer 0% intro APR on purchases for the first 12 months. After that APR is variable.

Personally, this isn’t something I’d use, though if you are someone who is in the market for that, it’s worth considering. Just make sure you pay back the balance within that timeframe, or you’ll be charged high interest rates.

Bottom Line

Nowadays there are lots of great business credit cards out there, but the combination of the Ink Business Preferred℠ Credit CardInk Business Cash℠ Credit Card, and Ink Business Unlimited℠ Credit Card, is tough to beat. The cards have great bonus categories, flexible points, and perks that will come in handy.

If you don’t yet have any of these cards, I’d seriously consider one (or multiple) of them, and if you already have one, consider picking up a second or third card of the “set.”

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Comments
  1. I thought that there was a limit in the UR-family-branded cards that you could apply for, is this not the case?

  2. Crap. I just got the Ink Preferred and put a more than enough large unbonused charge on it to make the $5K minimum. I was pretty pleased getting the 80K bonus and was done with credit card apps for the year. Looks like I should have also applied for the Ink Unlimited and put the remainder amount >$5K on that card for 1.5 points and 50K. I will come for you Ink Unlimited, next year.

  3. Caution: The Car Rental Coverage on these three cards is only valid if used for business. In case you are filing a claim, i suppose you need to prove that the rental was required for your business.

  4. You might have mentioned that the Chase business card insurance only covers rental cars used for business purposes. I’m sure Chase would be happy to discuss your assertion that your home business required you to be in Maui.

  5. If I have the Ink Business Plus should I apply for the Preferred and request they transfer my credit to the new Preferred or just close the Plus?

  6. I have the Ink Business Preferred and managed to snag a 100k point bonus by applying in-branch. Anyone know if similar larger, in-branch bonuses are available for Business Cash and Unlimited?

  7. DO NOT CLOSE your ink plus, it gets 5X at office supply up to $50K.

    You can have multiple inks, just apply for the ink preferred and if you dont want the fee downgrade to one of the other inks and increase your office supply store spend with an ink cash or increase your points from daily spend with a ink unlimited.

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