Top 4 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 4 cards are my top recommendations when applying for business cards. 3 are now elevated!
First, the Ink Business Preferred® Credit Card currently has an offer of 100,000 points. (standard offer-not elevated)
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,000 toward travel when redeemed through Chase Travel℠ or when you transfer to Chase’s partners, you can squeeze so much more value out of it.
*Starting in October 1, this card will transfer to Chase at a 4:3 ratio.
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.
*Please open this card in a browser away from instagram if you got to this page from IG.
Second, the Ink Business Unlimited® Credit Card Credit Card is a great business card.
The bonus is elevated to 100,000 points (marketed as $1,000 cashback) after a $8,000 minimum spend in 4 months and $0 annual fee. This one gets 1.5% cash back so 1.5x points on every dollar spent.
As this card earns 1.5x point per dollar spent, you will end up with 112,000 points when you finish your minimum spend! I recommend this one first.
*Please open this card in a browser away from instagram if you got to this page from IG.
To make this 100,000 points worth more than the $1,000 cashback, you will want to also hold aChase Sapphire Preferred® Card or Sapphire Reserve for Business℠. 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.
Third, the Ink Business Cash® is another favorite card for the points.
The bonus is elevated to 100,000 points (marketed as $1,000 cashback). Earn $1,000 when you spend $8,000 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.
*Please open this card in a browser away from instagram if you got to this page from IG.
To make this cashback become valuable points, you’ll want to combine onto a Reserve card as mentioned above.
And fourth, the Sapphire Reserve for Business℠.
The elevated offer is 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening. This is a higher spend requiring an average of $5,000 month, but if you can do that, the offer is good!
Improve Approval Odds With These Tips
- The likelihood of approval drops significantly once you hold 3-4 Chase business cards so closing older Chase business cards over a year might help.
- Wait 30 days since last Chase business card.
Key Rules Update
- The “Once-per-Lifetime” Rule: Chase treats all no-annual-fee Ink cards as one family. If you have previously earned a sign-up bonus (SUB) on either the Ink Cash or Ink Unlimited, you are generally no longer eligible for the bonus on either card. -I’d love some data on this one if you get approved or denied because these rules aren’t always firm.
- Application Pop-ups: Chase now uses a digital warning system during the application process. If you aren’t eligible for the bonus, a pop-up will notify you before your credit is pulled, giving you the option to cancel the application with no penalty.
Workaround: Applicants who form a legitimate new legal entity (like an LLC) and apply using a brand-new EIN are frequently bypassing the pop-up tracker.
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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ADVERTISER 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. Some or all of the card offers on the website of Stacy Travel Points are from advertisers. Compensation may impact how and where card products appear on this website. Stacy Travel Points does not include all card companies or all available card offers.
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.
Thank you again and again for all this info!
So I currently have the Sapphire and Ink Business Unlimited. Could I refer my husband for the Ink Cash from my Sapphire (and get the referral points)?
You can refer him from your business card if he has never had an open business card with Chase. If he has, use my links!
Do Chase business cards count against the 5/24 rule? And if I opened a Sapphire Reserve card recently, do I need to wait 90 days before opening one of these business cards? Thanks so much!
No business cards don’t count toward the 5/24 but you need to be under to be approved. You can open up to 2 Chase cards in a month so you don’t need to wait 90 days.
I got the popup saying I wasn’t eligible for the bonus. I have the Chase Ink Cash.
You can only get them a second time if you use an LLC/EIN combo.
My husband signed up for the chase ink my my husband signed up for chase ink business premier. How long should he wait to sign up for the chase sapphire reserve for business? Both cards would be used for two separate businesses. We really want to use the chase lounge for a trip coming up. And is that the best one to have if we want to keep the lounge access for future trips with family
Chase will approve up to 2 cards in 30 days. Yes that or the regular Reserve would be good to have for your lounge access.