Our Favorite Business Credit Card

Pam

One of our favorite ways to get more credit card points and miles is through the use of business credit cards. You may think that this doesn’t apply to you, but you would be surprised at how many people (including us before we started teaching points and miles) have received business credit cards with just a little side gig. People always ask what business card they should get. Let’s talk about our favorite business card and why it gets our top spot.

Chase Ink Business Cash Credit Card

Yes, the Chase Ink Business Cash Credit Card is our favorite business card and the one we recommend most. This card is technically a cash back card but they actually give you Ultimate Rewards that can then be cashed out. We don’t actually cash ours out though. Instead, we combine these points with our Chase Sapphire Preferred (or you can combine them with Sapphire Reserve and Ink Business Preferred), and then we can use them for travel.  

Chase Ink Business Cash

Let’s go over six reasons we love this card so much.     


No Annual Fee

This card does not have an annual fee. Zip, zero, nada. That doesn’t happen too much, right? We love that we can add another card to our arsenal without adding another annual fee.

Earn Ultimate Rewards

Did you know that we love Ultimate Rewards? They are our favorite points and we use them all the time. For this reason, we are always trying to earn more of them! We love that we can transfer these points to Hyatt, United, and Southwest (among others). We just returned home from a great trip to Hyatt Ziva Cancun that we booked with Chase Ultimate Rewards.

 

Hr and beach with palm trees

One of the pool areas at Hyatt Ziva Cancun

Spending Categories

The Chase Ink Business Cash has great spending categories. With this card, you’ll earn your 5% back (or 5x the points) on internet, cable, and phone services. You’ll also get 5x on purchases made at office supply stores. That may seem a bit random but when I needed a new fridge I realized that office supply stores sell gift cards to Lowe’s. I bought $1,000 worth of gift cards to Lowe’s and then went to Lowe’s and bought my new fridge. I earned 5,000 Ultimate Rewards in the process!

With the Chase Ink Business Cash, you’ll also earn 2x at gas stations. With how high gas prices are right now earning a little extra at the pump is always nice! 

Great Signup Bonus

The usual welcome bonus on this card is 75,000 Ultimate Rewards when you spend $7,500 in three months. Although $7,500 is a large minimum spend, the signup bonus is also high. Plan to sign up for this card when you have some large expenses coming up.

Hyatt regency Maui couple

You can use your 75K points to get 3 nights at the Hyatt Regency Maui

 

Great Referral Bonus

Not only does this card have a nice welcome bonus but it also has a nice referral bonus. When you refer others to this card and they are approved you’ll earn 20,000 Ultimate Rewards! We recommend referring your spouse or partner to the card. 

Bottom Line

The Chase Ink Business Cash is our favorite business credit card. We love earning more Ultimate Rewards, especially when we can do it with no annual fee. We also really love the bonus spending categories on this card. Don’t forget to refer your friends and family to the card when you get it to also take advantage of that nice referral bonus!

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