Myth: You must have an LLC and employees to be eligible for a business card, including Chase Ink business cards.

Fact: Any side hustle makes you eligible for a business card! Even if you don’t have a registered business or LLC, you can apply for a business card as a sole proprietor using your social security number.

We’re constantly talking about the importance of having a credit card strategy, and a crucial part of our strategy is business cards. Business cards have some of the highest welcome offers, and while you need to be under 5/24 to be approved for these cards, they won’t count towards your 5/24 total. When it comes to business cards, some of our very favorites are the Chase Ink cards. They earn our favorite type of points, Chase Ultimate Rewards. Getting one (or all!) of these cards is a great way to build up your stash of Ultimate Rewards.

 

Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card is marketed as a cash back card. However, this “cash” is given to you in the form of Ultimate Rewards points. You could cash those points out, or if you have the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you can transfer them out to transfer partners like Hyatt, United, Southwest, etc. To do that, move the points into one of those accounts.

We like this card because it has no annual fee and earns 1.5% back per $1 spent on all purchases! 

 

 

 

 

Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is also a cash-back card. However, like the Ink Business Unlimited,  if you have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred, you can transfer them to transfer partners like Hyatt, United, Southwest, etc. To do that, move the points into one of those accounts.

We like this card because it also has no annual fee and has great bonus categories to help you earn even more points. For example, you”ll earn 5% back per $1 spent on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. You will also earn 2% back per $1 spent on the first $25,000 spent in combined purchases at restaurants and gas stations each account anniversary year. You’ll earn 1% back per $1 spent on all other purchases. 

 

 

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is a travel rewards card that earns Ultimate Rewards points that can be transferred directly to transfer partners. It is the business version of the Chase Sapphire Preferred. With the Ink Business Preferred, you’ll earn 3 points per $1 spent on the first $150,000 in combined purchases in the following categories each account anniversary year—shipping purchases, internet, cable, phone, advertising purchases made with social media sites & search engines, and travel. You’ll earn 1 point per $1 spent on all other purchases. 

 

 

 

 

Bottom Line

Chase Ultimate Rewards are our favorite type of points, and we’re always striving to earn more of them. Don’t forget about Chase Ink business credit cards for your business when looking for more points!