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 (I have all three of these cards now). 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.

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. I am currently at 3/24. I got the Ink Business Preferred back in July, and Chase United last month. I also have 5 other Chase cards and most were opened 2 yrs ago. I am now interested in getting the Ink Business Cash, with your link. I am just worried about getting shutdown because of too many Chase cards. Credit line of 39000 personal, and 9000 business. Will be at 1/24 in Feb. Should I wait then or go for Ink Cash now?

  2. Does anybody know if they are still offering the 100,000 bonus points if you apply for the INK Preferred in branch? Only one I don’t have so far and want to get the best bonus possible.

  3. I have the Ink Plus card which I believe Chase stopped offering. I like it because of the 5x points fro purchases at office supply stores, phone, internet,etc. Lucky to your knowledge, what does the future hold for those of us who continue to own and use the Ink Plus card?

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