All About Inks (and another limited-time offer!)
When it comes to award travel, you need to know about Chase Ink Business cards! These cards offer amazing earning potential, generous welcome bonuses, and the ability to accumulate Chase Ultimate Rewards points—which, in our opinion, is the most flexible and valuable points currency out there. We have touched on business cards and Chase Ink Business cards before, but today we’re taking a deeper dive. Let’s get into what makes the Ink cards so special and why they should be on your radar if you’re looking to unlock nearly-free travel.
Applying for a Business Credit Card is Easier Than You Think
First of all, you might be thinking, “But I don’t have a business!” The good news is, you don’t need a traditional business to apply for a business credit card. If you have a side hustle, freelance work, or even sell items on Facebook Marketplace or Ebay, you can qualify.
For more information about applying for a business credit card, read our blog post that breaks it all down.
The Chase Ink Family of Cards
There are three main cards that are part of the Chase Ink family:
All three cards earn Chase Ultimate Rewards points, which are transferable to top airline and hotel programs or redeemable for travel through the Chase Travel Portal.
Here’s why they’re a game-changer:
Chase Ink Business Unlimited
Annual Fee: $0
Welcome Bonus: Right now, there’s a limited-time offer of 90,000 Chase Ultimate Rewards points after you spend $6,000 in the first 3 months. That’s up from the usual 75,000 points!
Earning Rate: Earn 1.5% cash back (or 1.5x points) on all purchases.
With no annual fee and a flat earning rate, this card is an excellent tool for racking up points quickly without worrying about bonus categories. The 90,000-point welcome offer is one of the best we’ve seen, and those points can be worth up to $900 when redeemed through Chase’s Travel Portal—or much more when transferred to travel partners (more on that below).
Chase Ink Business Cash
Annual Fee: $0
Welcome Bonus: 75,000 points after spending $6,000 in the first 3 months. This is the standard welcome offer.
Earning Rate: Earn 5% cash back (or 5x points) on up to $25,000 in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, 2% cash back on gas and dining, and 1% on all other purchases.
The Ink Cash also offers no annual fee and a nice welcome bonus of 75,000 points. 5% cash back on office supply stores can be extremely valuable because office supply stores sell a wide variety of gift cards. This is a great way to rack up 5x points!
Chase Ink Business Preferred
Annual Fee: $95
Welcome Bonus: 100,000 points after spending $8,000 in the first 3 months.
Earning Rate: Earn 3x points on the first $150,000 spent in combined purchases on travel, shipping, advertising on social media, and internet, cable, and phone services each year.
The Chase Ink Business Preferred just had an elevated offer of 120,000 points, but the standard offer is 100,000. This card has a $95 annual fee and requires a bit of a higher minimum spend, making it not quite as attractive as the other two Inks in our opinion. Read more about this card in our recent post about its limited-time offer (that has since expired).
Why Chase Ultimate Rewards Points Are So Valuable
What makes Chase Ink Business cards stand out is that they earn Chase Ultimate Rewards points, which are incredibly flexible. Here’s why they’re so valuable:
Transferable to Airline & Hotel Partners: You can transfer your points 1:1 to over a dozen travel partners, including both of our favorites, Hyatt and Southwest. Transferring points is our favorite method of cashing in our points because it leads to outsized value - much more than simply cashing out your points!
Chase Travel Portal: If you prefer simplicity, you can use your points to book travel directly through the Chase Travel Portal. Points are worth about 25% more when redeemed this way, as opposed to simply cashing them out.
Flexibility: Whether you’re looking to book flights, hotels, or even rental cars, the ability to use points in multiple ways makes them incredibly versatile in the game of award travel.
How to Make the Most of the 90,000-Point Limited Time Offer
With the Chase Ink Business Unlimited’s current limited-time offer of 90,000 Ultimate Rewards points, you could unlock some serious travel value. Here are a few examples of what you could do with 90,000 points:
4 Nights at a Hyatt Resort: Transfer points to World of Hyatt and enjoy a roughly 4-night stay at a high-end Hyatt hotel or resort.
Domestic Round-Trip Flights: Transfer 90,000 points to Southwest Airlines and book round-trip flights to a US destination for two to four people.
Round-Trip Flights to Europe: Transfer 90,000 points to United Airlines or British Airways and book round-trip flights to Europe for two people in economy class.
Nearly $1,125 in Travel: If you prefer using the Chase Travel Portal, 90,000 points could get you $1,125 worth of travel, perfect for flights, hotels, rental cars, etc. if you hold the Chase Sapphire Preferred card.
Conclusion
If you’re looking to supercharge your travel hacking game, the Chase Ink Business credit cards are a key component. With no annual fees on two of the cards, generous welcome bonuses, and the flexibility of Chase Ultimate Rewards points, these cards offer incredible value.
And with the limited-time 90,000-point offer on the Chase Ink Business Unlimited, there’s no better time to apply and start working toward your next dream vacation. Whether you’re new to points and miles or a seasoned pro, this is an offer you don’t want to miss.
Using our Chase Ink referral link won’t cost you anything, but it gives us a few referral points to add to our stash. Thank you in advance!
We’re here if you have any questions!
❤️ Liz
Friendly reminder: We are not financial advisers, we are simply sharing our method and approach with you. Of course, it's important to use credit cards responsibly. Pay off your balance in full each month to avoid interest charges, and never spend more than you can afford just to earn rewards.
