Top Business Cards
Disclosures: Stacy Travel Points has partnered with CardRatings for our coverage of credit card products. Stacy Travel Points and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
These 3 cards are my top recommendations when applying for business cards.
TWO OF THEM WITH ELEVATED OFFERS!
First, the Ink Business Cash® Credit Card is a great business card.
The bonus is elevated to 90,000 points (marketed as $900 cashback). Earn $900 when you spend $6,000 on purchases in the first 3 months after account opening. $0 annual fee on this one making it an easy investment for some valuable points.
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To make this 90,000 points worth more than the $900 cashback, you will want to also hold a Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card. These two cards have the ability to transfer the points to partners. You can combine your points onto those cards and you can open these cards later if you don’t have them yet.
Second, the Ink Business Unlimited® Credit Card is another favorite card for the points.
The bonus is elevated to 90,000 points (marketed as $900 cashback) after a $6,000 minimum spend in 3 months and $0 annual fee. This one gets 1.5% cash back so 1.5x points on every dollar spent.
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To make this 90,000 points worth more than the $900 cashback, you will want to also hold a Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card. These two cards have the ability to transfer the points to partners. You can combine your points onto those cards.
And third, the Ink Business Preferred® Credit Card currently has it’s regular offer of 90,000 points.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase TravelSM or when you transfer to Chase’s partners, you can squeeze so much more value out of it.
The annual is $95 which is well worth paying for all these points that first year. And qualifying for a business card is easier than you might think! Any type of side hustle that is a source of income counts. You don’t need a LLC. You can apply with your last name as a sole proprietor. There’s not an affiliate link for this card at this time.
HOW TO GET BEST VALUE FROM THESE POINTS
My favorite way to use these points is by transferring them to Hyatt. We used them in Kauai this last year. We stayed at the Grand Hyatt Kauai for 30,000 points a night. The cash price was just over $1,000 a night. So this one sign up bonus saved us $3,000 for 3 nights at the hotel!
Image from https://www.hyatt.com/grand-hyatt/en-US/kauai-grand-hyatt-kauai-resort-and-spa
Another favorite way to use the points is transferring them to Flying Blue. That is the points loyalty program for KLM and Air France and they happen to be in alliance with Delta. Typically we can find round trip flights to Europe for 50,000 points for anyone over 12. Kids under 12 are discounted at 25%. They also have monthly promos from various US cities where the adult cost in points will be 37,000 round trip!
Disclosure: Stacy Travel Points has partnered with CardRatings for our coverage of credit card products. Stacy Travel Points and CardRatings may receive a commission from card issuers.
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EDITORIAL DISCLOSURE: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
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I have the venture x so which biz card should I get?
Any of these three are good! Probably grab the Ink Business Preferred if this will be your first Chase card.
Thanks as always for your great recos. Can you explain further how to transfer the $900 cash back to points with Chase Sapphire Preferred card?
Once you have them both open, there is an option to combine points and you will be able to move them between cards.
If my husband has the Chase Sapphire and I open the Ink Business, can I combine my points and transfer to his card?
Yes, you will just want to call the bank when you earn the points and set up the ability to combine points with your spouse for the first time.