The Must-Have Chase Business Card Trifecta

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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 CardInk Business Cash℠ Credit Card, and Ink Business UnlimitedSM Credit Card.

So in this post I wanted to look at seven reasons you should consider picking up one — or ideally multiple — Ink Cards.

Welcome bonuses of up to 180,000 bonus points

The three Chase Ink Cards have industry leading welcome bonuses:

  • The Ink Business Preferred offers 80,000 Ultimate Rewards points after spending $5,000 within three months, which I consider to be the single best welcome bonus of any credit card out there
  • The Ink Business Cash and Ink Business Unlimited each offer 50,000 points after spending $3,000 within three months, which I consider to be the best welcome bonuses of any no annual fee credit cards

You’re potentially eligible for the bonuses on all three cards, as they’re considered separate products. See this post for more details on the process of applying for Chase business cards.

Three cards with one annual fee

You can potentially get the trifecta of the Ink Business PreferredInk 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’s 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

So 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.

The flexibility to redeem points as cash or convert them into miles

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 Rewards
British Airways Executive ClubRitz-Carlton Rewards
Iberia PlusWorld Of Hyatt
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.

Get even more value in conjunction with your Chase Sapphire Reserve

The Chase Sapphire Reserve has quickly become one of the most popular premium credit cards, and it’s one that many people have. If you have the Ink Business PreferredInk 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 spend.

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.

For more information on this benefit, see this post.

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 purchase and balance transfers for the first 12 months. After that APR is variable, and ranges from 14.99-20.99%.

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 UnlimitedSM Credit Card, is tough to beat. The cards have huge welcome bonuses, 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. How much time between getting each of these three cards?

    What is the trifecta for amex on business and personal side?

  2. Can one be eligible for any of these three cards if one already has the Ink Business Card?

  3. I currently have two chase business cards. I have an Ink Plus and had an ink bold which I downgraded to an ink cash. My Ink Plus AF has hit and I was thinking about downgrading it (I have the CSR so I can still transfer points). I am currently over 5/24 until February. I am attempting to get under 5/24 so I can go for the ink preferred (and maybe an ink cash for the signup?). What should I do with my ink plus card? Should I download it to another ink cash? Should I close one of these business cards before apping for new business cards with chase (I figure at some point I need to give some credit back to chase to get more approvals)? I have the chase unlimited freedom card so the 1.5 card isn’t that appealing to me besides I have an amex business plus that I use as my daily driver.

  4. @TravelinWilly well yes because how else could you have the combination of cards he is describing? I have two ink cards different products though.

  5. Ben I just closed my Ink Plus and Marriott Biz and got approvals for old Ink Cash and Ink BP (Ink BP I had to call in and verify) in a span of about 60 days. I’m 3/24 and also closed old Hyatt to go get New WOH with the bonus (vs upgrading). I’m waiting the 30 days to apply for WOH. I have Freedom Unlimited so I don’t see a reason for Ink U unless you can think of any?

  6. @ Justin — The benefit to the Ink Unlimited would be to have a business card that earns 1.5x points, though if you’re fine putting business expenses on a personal card then there isn’t that much value to the card.

  7. I think the AMEX Business Plus 2x is better for non-category spend. $50k gets you 100K MR, whereas the Ink Unlimited needs $66K for $100K UR.

  8. @Debit – On the Amex side, the cards that appeal to me are actually a duo: Amex Everyday Preferred and the Blue Business Plus. Maybe add the Platinum to make it a trio but man that card is a waste of wallet space if you don’t practically live in an airport. BUT, that 100K MR bonus is awfully tempting if you’re targeted for the offer…

  9. @House I don’t think you need to live at the airport to make the plat have value. If you have several flights a year it can be worthwhile although I think the CSR is likely better unless you are frequenting centurion lounge airports or if a couple of those flights are with Delta.

  10. @Bill – Yes, I’d agree that it is an ideal card for those who frequently travel on Delta and place a high value on the Centurion lounge. But as I hold the Sapphire Reserve, I struggle to make a case for the Platinum. ~Dreaming~ If only Amex decided to simply give a $400 all-inclusive travel credit instead of that cockeyed uber & travel incidental credit AND the dining features of the Canadian Cobalt card, I’d suspect the symphonic clicks of the apply button could be heard across the country. One can only dream…

  11. Thanks house.

    Bbp is it. It’s all in one, my go to card. It keeps points alive, allows you to transfer gives 2x everywhere and gets amex offers.

    All the rest of the cards are good for bonus but nothing more.

  12. Does anyone have experience with whether cord-cutting TV-type services like Sling or PlayStation VUE count as cable for the bonus categories on these cards?

  13. You only focus on the Ink cards which is Chase’s business cards, but there are a combination of the personal cards that work better, I would argue than using the Ink cards because the Ink cards are just for certain categories that most people won’t bill much for.

  14. @Nat – While I don’t have any direct experience yet, I have read that the Ink category spends earn their respective bonuses with SlingTV, Netflix, etc. And, I do know that both of those services are indeed coded as “cable” per one of my credit card transaction details.

  15. @justin I recently started my own wine tour business and am shopping for new business credit cards. I use American Airlines for much of my travel and put a lot of money down on high end hotels, dining and wineries. What are the best cards to maximize my travel and dining dollars. Also, do any of these cards offer airport lounge access and no foreign transaction fees? 50% of my travel is international.

    Thanks in advance for any assistance.

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