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.

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The Ink Business Preferred® Credit Card currently has an 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.

Second, the Ink Business Cash® Credit Card is another great business card.

The bonus is 75,000 points (marketed as $750 cashback). Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. $0 annual fee on this one making it an easy investment for some valuable points.

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Learn How to Apply

To make this 75,000 points worth more than the $750 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.

And third, the Ink Business Unlimited® Credit Card is another favorite card for the points.

The bonus is 75,000 points (marketed as $750 cashback) after a $6,000 minimum spend in 3 months and $0 annual fee.

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To make this 75,000 points worth more than the $750 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.

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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