Myth: You must have an LLC and some employees to be eligible for a business card, including Chase Ink Business Cards.
Fact: Any sort of side hustle/side income makes you eligible for a business card! Even if you don’t have a registered business or LLC, you can apply for a business card as a sole proprietor using your SSN.
We’re constantly talking about the importance of having a credit card strategy, and a crucial part of our strategy is business cards. Business cards have some of the highest welcome offers, and while you need to be under 5/24 to be approved for these cards, they won’t count toward your 5/24 total. When it comes to business cards, some of our very favorites are the Chase Ink cards. They earn our favorite type of points, Chase Ultimate Rewards. Getting one (or all!) of these cards is a great way to build up your stash of Ultimate Rewards.
You can learn more about businesss cards by listening to this episode of our podcast.
The Chase Ink Business Unlimited Card is a cash-back card that earns $750 after spending $6,000 in the first 3 months. However, this cashback is given to you in the form of 75,000 Ultimate Rewards points. You could cash those points out for $750, or if you have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred, you can transfer them out to transfer partners like Hyatt, United, Southwest, etc. To do that, move the points into one of those accounts.
This is our favorite of the Chase Ink cards. We like it because it offers 5 points per $1 spent at office supply stores. Now you may be thinking, office supply stores? But one thing office supply stores sell is gift cards, and they sell them just about everywhere! I can take my Chase Ink Business Cash to Staples, purchase a Lowe’s gift card, and then go to Lowe’s and purchase my new fridge (which I actually did!). Earning 5 points per dollar on your purchases instead of just 1 point with another card is great!
Like the Chase Ink Unlimited, this is a cash-back card. Again if you have the Chase Sapphire Preferred, Chase Sapphire Reserve, or the Ink Business Preferred, you can transfer them out to transfer partners like Hyatt, United, Southwest, etc. To do that, move the points into one of those accounts.
This card is great if you have a lot of expenses as it does have a high minimum spend (though Chase did recently slash the minimum spend almost in half). The Chase Ink Business Preferred is a travel rewards card. It is the business version of the Chase Sapphire Preferred.
Ultimate Rewards are our favorite type of points. Being able to get more of them is something we are always striving for. Don’t forget about Chase Ink Business credit cards when looking for more points, especially if you don’t want to go over that dreaded 5/24.
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