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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Better together: Why the Ink Business Preferred and the Ink Business Cash are a great pair
Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
Emily Thompson specializes in beginner content as a credit cards editor. She taps into her prior experience as a high school English teacher to help others demystify credit scores and unlock experiences that credit card rewards can make possible.
also contributed to this story
June 12, 2025 • 9 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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Quick summary
Pairing certain business cards can unlock enhanced redemption options and bonus categories.
Combining a cash-back business card with a points-earning business card allows you to convert cash-back rewards into more valuable points for travel and partner transfers.
Holding both cards provides access to additional protections, such as cellphone coverage and trip cancellation/interruption insurance.
Adding a third business or personal card can further optimize rewards, especially for non-bonus-category spending.
What to consider
Cash-back rewards from one business card can be converted to points only if you also hold a compatible points-earning card.
Redemption rates and transfer options vary depending on which cards you hold and how you combine rewards.
Eligibility for new cards may be affected by the issuer's 5/24 rule, which limits approvals based on recent card openings.
What you'll miss from the article
A detailed comparison of how pairing specific business cards can maximize both earning potential and redemption value, including strategies for combining with personal cards.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
Some credit cards are just better together. We’ve written about some of the best credit card pairings that can unlock more redemption options or additional bonus categories.
Comparing the Ink Business Preferred and Ink Business Cash
Benefit details
Ink Business Preferred
Ink Business Cash
Welcome bonus
Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.
Annual fee
$95
$0
Earning rates
Earn 5 points per dollar spent on Lyft rides through Sept. 30, 2027.
Earn 3 points per dollar spent on the first $150,000 spent in combined purchases each account anniversary year on travel, shipping, internet, cable and phone services and advertising purchases with social media sites and search engines.
Earn 1 point per dollar spent on everything else.
Earn 5% cash back at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each account anniversary year).
Earn 5% cash back on Lyft rides through Sept. 30, 2027.
Earn 2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each account anniversary year).
Earn 1% cash back on everything else.
Redemption options
Transfer to partners at a 1:1 ratio (TPG's June 2025 valuations peg Chase Ultimate Rewards points at 2.05 cents apiece).
Redeem via Chase Travel℠ at a rate of up to 1.75 cents per point, depending on the specific redemption (see your rewards program agreement for full details).
Redeem as cash back or gift cards (at a rate of 1 cent per point).
Redeem via Chase Travel, as cash back or gift cards (at a rate of 1 cent per point).
Standout benefits
Employee cards at no additional cost.
Extended warranty protection, purchase protection and cellphone protection.
Trip cancellation/interruption insurance, roadside assistance and auto rental coverage.
Employee cards at no additional cost.
Extended warranty protection and purchase protection.
Auto rental collision coverage and roadside assistance.
Why pair the Ink Business Cash and the Ink Business Preferred cards?
Seeing their perks listed side by side, you may have already realized why the Ink Business Cash and the Ink Business Preferred are a great pair. But let’s break it down even further.
Turn your cash-back into points
If you already have the Ink Business Cash, you can add redemption options and boost your redemption rates by adding the Ink Business Preferred to your wallet. This is because cash-back rewards earned by the Ink Business Cash can be converted to Chase Ultimate Rewards points when you have a card like the Ink Business Preferred.
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By converting the cash-back rewards on your Ink Business Cash to Ultimate Rewards points on your Ink Business Preferred, you increase the rate at which you can redeem through Chase Travel from 1 cent per point to up to 1.75 cents per point, depending on the specific redemption (see your rewards program agreement for full details). And you unlock 1:1 transfers to hotel and airline partners, such as World of Hyatt and United MileagePlus.
Having the Ink Business Cash alone means your rewards are capped at 1 cent apiece toward redemptions.
Suppose you already have the Ink Business Preferred. In that case, you can boost your Chase Ultimate Rewards earning rate without incurring additional annual fees by adding the no-annual-fee Ink Business Cash to your wallet.
If your business doesn’t spend money at office supply stores or on internet, cable and phone services — and already has high-earning cards to use at gas stations and restaurants — the Ink Business Cash won’t be particularly useful.
However, most businesses that already have the Ink Business Preferred Card will find that adding the Ink Business Cash to their wallet will increase their earnings.
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A similar calculation can happen for those with the Ink Business Cash but not the Ink Business Preferred. In this case, you’re missing out on earning 3 points per dollar spent on these purchases (up to $150,000 in combined spending in a year):
Travel
Shipping purchases
Advertising purchases with social media sites and search engines
Note that purchases for internet, cable and phone services already earn rewards at a higher rate on the Ink Business Cash. However, there’s a reason you might want to sacrifice some rewards, which brings us to the final reason to pair these cards.
But the Ink Business Preferred also includes cellphone coverage. When you charge your monthly bill to the card, you and your employees listed on your company’s phone account can be reimbursed for up to $1,000 per claim for theft or damage (subject to a $100 deductible per claim and limited to no more than three claims per 12-month period).
Even though it lowers your earnings on these purchases from 5% on the Ink Business Cash to 3 points per dollar spent on the Ink Business Preferred, just a single claim for a stolen or damaged phone could more than make up for it.
You may prefer to pair a different card with your Ink Business Cash or Ink Business Preferred. You might also find adding a third card to your wallet useful. Here are some additional options to consider.
Add the Ink Business Unlimited
Businesses with ample non-bonus-category spending may find it useful to also add the no-annual-fee Ink Business Unlimited® Credit Card (see ) to their wallet to earn 1.5% cash-back rewards on every purchase.
Once you have the Ink Business Preferred, adding no-annual-fee Chase consumer cards, such as the Chase Freedom Unlimited® (see ) or Chase Freedom Flex® (see ), to your wallet may make sense.
This is a particularly good idea if you’ll use these cards for business expenses or if you’re willing to transfer rewards earned on your personal spending to your business card’s Ultimate Rewards account.
In that case, you may opt to forgo the Ink Business Preferred and collect rewards earned on your Ink Business Cash in your personal card’s Ultimate Rewards account.
This rule means you generally won’t be approved for most Chase-issued cards if you’ve opened five or more personal credit cards across all banks in the last 24 months.
Although you’re unlikely to be approved for most Chase-issued cards if you are over 5/24, Chase-issued business cards don’t count toward your 5/24 count. As a result, it’s generally best to open the Chase-issued business cards you want first before moving on to other cards.
Bottom line
The Ink Business Preferred and the Ink Business Cash are strong enough individually to make our list of best business credit cards. But they’re even better when paired together.
By holding both in your wallet, you can earn more points and have more valuable redemption options than you would with just one of them.
