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Update: Some offers mentioned below are no longer available. View the current offers here: Ink Cash Business Credit Card

In March when I wrote about my most recent round of credit card applications, I mentioned that I applied for a second Ink Plus card for a new business that I am starting. Even though I already have an Ink Plus and an Ink Bold, I registered a new small business at the beginning for 2014 and while there is no revenue yet, I wanted to have separate business cards for those expenses as I begin to ramp up operations. I’ve always found that separating business expenses from the start is much easier than trying to go through and assign expenses from one credit card to two or more different businesses.

My 50,000 bonus points posted!
My 50,000 bonus points posted!

I was approved for the card on March 13, 2014 and on April 25, 2014 I hit the $5,000 spend requirement. At the end of the most recent statement close, my 50,000 point bonus posted to my account in the first week of May.

Bigger Bonus Than Anticipated
However, on May 1, 2014 Chase upped the bonus on the Ink Plus and Bold to 60,000 points after the same $5,000 spent (and also $300 for Ink Cash after $3,000 spent within 3 months) so today I called Chase by calling the number on the back of my card, pressed 2 to speak about my account and then got a friendly rep and asked him if I could be eligible for the 60,000 point bonus since I applied just before the bonus increased. Without hesitation, he looked at my account and confirmed I hit the spend and as such, would put in a request for me to get 10,000 additional points. He even provided a 5 digit confirmation code and said the points will automatically post within 7-10  business days and I’ll get an email confirmation when they post. The call was done in under 4 minutes and I personally value Chase points at about 2 cents a pop because they can be instantly transferred to partners like United, Hyatt and British Airways, so it is a nice $200 payday for just a couple minutes of work (even at the lower value of 1.25 cents a point, which you can get by redeeming via Ultimate Rewards travel for any flight, those points are worth $125.)

10 valuable Ultimate Rewards transfer partners
10 valuable Ultimate Rewards transfer partners

All in all, I’m extremely happy with my Chase business credit cards. They allow me to have the spend flexibility I need to grow my businesses with the Ink Bold being a charge card (no pre-set spending limit, but you need to pay off every month) and the Ink Plus gives the ability to pay over time as a credit card (though you should still pay off every month to avoid interest). Not only are the points valuable and 5x/2x spend categories super lucrative, but the customer service is top notch.

For more information on getting the most out of Chase business credit cards and Ultimate Rewards points, see these posts:

Detailed Look at the Benefits of the Ink Bold and Ink Plus Cards
Top 10 Benefits of the Ink Bold and Ink Plus Cards,
A Detailed Look at Ink Bold Benefits You Might Not Know About,
Maximizing Chase Ink Bonus Spending Categories
Maximizing the Ink Office Category Bonus Spending
Maximizing the Ink Bold’s 5X Spending Bonuses With Gift Cards
Maximizing Ultimate Rewards With the Chase Ink Cards
Chase Ink: Which Card Is Best For You
Can You Get Both The Ink Bold and Ink Plus?
Ranking the Chase Ultimate Rewards Transfer Partners
Top 10 Ways To Maximize Each Ultimate Rewards Transfer Partner
Why I Love Chase Ultimate Rewards
Ranking the Top Chase Travel Credit Card Offers

Chase Sapphire Preferred Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below 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.